Continuous Insurance crap

[streaky]

Noger said:

streaky said:

Getragdogleg said:

"laid up cover" does not cover you to use on the road but would say to an ANPR that my car was taxed, insured and MoT'd

Wow, that is a good system, this new SORN or insure will work a treat.

Is the MID updated for "laid up" cover only? It should only reflect the fact that a driver has RTA cover and that a specific vehicle (or vehicles) registration mark is given in the policy. Oh, the torture of trying to comply with the EU Directive when your legislation works differently. Someone in government needs to grasp the nettle ... I can't really understand why they haven't - Streaky

No, MID is updated when you remove TP cover.

Which EU directive are we talking about ?

By "updated" do you mean that reference to the vehicle being insured is removed? That's what should happen, as the MID is only concerned with RTA insurance.

I'm referring to the Codified Directive (on motor insurance) which came into force on 27 October 2009. This effectively combines and replaces all previous Motor Directives. In particular it relates to insurance against civil liability in respect of the use of motor vehicles, and the enforcement of the obligation to insure against such liability.

What the MI Directives aim to do is harmonise motor insurance through out the EU - where more generally liability insurance is required to be held by the vehicle, whereas in the UK we require that it is held by the driver. MID was partly an attempt to comply with the previous Directive(s) by registering all issued RTA cover against a vehicle. The CI implementation takes that a step further.

One wonders whether it would have been less painful in the long run to adopt the system used by many other countries in the EU ... but that might lead to a drop in the number of bureaucrats rather than an increase, so is highly unlikely to fly.

Streaky

[Noger]

Yes, I was asking which specific requirement.

I assume you mean being able to find the insurer from the reg plate (from the 4th) ?

MID predates this, and it isn't as simple in other countries either.

As I have been at pains to point out over the years, insuring the vehicle isn't a silver bullet. Afterall, Italy insures the vehicle and they have twice (per capita) the level of uninsured driving that we do.

The problem with it is in terms of reducing the level of segmentation. Low risk drivers will pay more, high risk will pay less. Thus higher risk drivers can now drive higher risk cars and we get more fatalities. Even with the system as it is, we rank fairly low in fatalities per km.

[streaky]

Noger said:

... Even with the system as it is, we rank fairly low in fatalities per km.

That's because we measure in miles - Streaky

[Richard C]

R1 Loon said:

saaby93 said:

R1 Loon said:

If you SORN, then you will have no tax disc, so that makes a readily identifiable visual trigger for Police when walking past parked cars on the public highway, so they can PNC these and see what action (if any) needs taking.

Anyone clarify this?
It was said earlier that if you wanted to keep the car taxed but SORNed you could so you could take the car out as soon as you told them online that you were unSORNing it, to go with the insurance.
So do you keep the disc or not?
(As an aside from discussing about insured vehicles vs insured drivers)

Great pick one bit, which is totally irrelvant and ignore the rest.

Which is precisely what you do.......................and are.
Cock.

[ZOLLAR]

Richard C said:

R1 Loon said:

saaby93 said:

R1 Loon said:

If you SORN, then you will have no tax disc, so that makes a readily identifiable visual trigger for Police when walking past parked cars on the public highway, so they can PNC these and see what action (if any) needs taking.

Anyone clarify this?
It was said earlier that if you wanted to keep the car taxed but SORNed you could so you could take the car out as soon as you told them online that you were unSORNing it, to go with the insurance.
So do you keep the disc or not?
(As an aside from discussing about insured vehicles vs insured drivers)

Great pick one bit, which is totally irrelvant and ignore the rest.


Cock.

Which is precisely what you do.......................and are.

Fixed that for you.

Edit to add i don't believe R1loon is a cock, he may be a bit blunt but always backs up his posts with links and facts which is more than can be said for alot of posters on here.

Edited by ZOLLAR on Monday 6th December 19:23

[R1 Loon]

Richard C said:

R1 Loon said:

saaby93 said:

R1 Loon said:

If you SORN, then you will have no tax disc, so that makes a readily identifiable visual trigger for Police when walking past parked cars on the public highway, so they can PNC these and see what action (if any) needs taking.

Anyone clarify this?
It was said earlier that if you wanted to keep the car taxed but SORNed you could so you could take the car out as soon as you told them online that you were unSORNing it, to go with the insurance.
So do you keep the disc or not?
(As an aside from discussing about insured vehicles vs insured drivers)

Great pick one bit, which is totally irrelvant and ignore the rest.

Which is precisely what you do.......................and are.
Cock.

Diddums, can't even get his quote right. Didn't Mummy and Daddy show you enough attention when you were a child?

Just for clarity SORN, maens that you are declaring the car off road, it stands for Statutory Off Road Notification. For that reason you don't need Road Tax. On that basis you have two options:

1. You can apply for refund of Road Tax for each remaining full month

2. You can keep your tax disc and lose the money

Simple really.

Edited by R1 Loon on Monday 6th December 20:47