Do you need insurance to have a car on the road.
Discussion
Insurance definitely yes
s143(1)(a) Road Traffic Act 1988:
Subject to the provisions of this Part of this Act—
(a) a person must not use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and
(b) a person must not cause or permit any other person to use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act.
s2 provides that a person is guilty of an offence if in contravention of the above.
<pedant mode>
s144(1) RTA 1988 allowed for an exemption to the requirement for an in-force policy:
(1) Section 143 of this Act does not apply to a vehicle owned by a person who has deposited and keeps deposited with the Accountant General of the Supreme Court the sum of £15,000, at a time when the vehicle is being driven under the owner’s control.
This was amended by s20 RTA 1991 as follows:
(1) Section 144 of the [1988 c. 52.] Road Traffic Act 1988 shall be amended as follows.
(2) In subsection (1) (which removes the requirement for third-party insurance or security where £15,000 is kept deposited with the Accountant General of the Supreme Court) for “£15,000” there shall be substituted “£500,000”.
s144(2) RTA1988 also allows exemptions to the third party liability insurance requirement for a number of vehicles e.g. those owned by county councils (district or region in Scotland and Wales), London borough councils, police authorities, certain Forces/NHS vehicles etc.
</pedant mode>
s143(1)(a) Road Traffic Act 1988:
Subject to the provisions of this Part of this Act—
(a) a person must not use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and
(b) a person must not cause or permit any other person to use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act.
s2 provides that a person is guilty of an offence if in contravention of the above.
<pedant mode>
s144(1) RTA 1988 allowed for an exemption to the requirement for an in-force policy:
(1) Section 143 of this Act does not apply to a vehicle owned by a person who has deposited and keeps deposited with the Accountant General of the Supreme Court the sum of £15,000, at a time when the vehicle is being driven under the owner’s control.
This was amended by s20 RTA 1991 as follows:
(1) Section 144 of the [1988 c. 52.] Road Traffic Act 1988 shall be amended as follows.
(2) In subsection (1) (which removes the requirement for third-party insurance or security where £15,000 is kept deposited with the Accountant General of the Supreme Court) for “£15,000” there shall be substituted “£500,000”.
s144(2) RTA1988 also allows exemptions to the third party liability insurance requirement for a number of vehicles e.g. those owned by county councils (district or region in Scotland and Wales), London borough councils, police authorities, certain Forces/NHS vehicles etc.
</pedant mode>
Dwight VanDriver said:
EXCISE - Yes. Off road and unlicenced SORN required.
INSURANCE - Yes Off road and uninsured SORN procedure coming.
MOT - Yes. Off road, no requirements.
Left for any length of time may be considered to to an obstruction (Highways Act).
Question of lights at night?
dvd
Wow! they really are clamping down. Not a bad thing though.INSURANCE - Yes Off road and uninsured SORN procedure coming.
MOT - Yes. Off road, no requirements.
Left for any length of time may be considered to to an obstruction (Highways Act).
Question of lights at night?
dvd
Little story. I parked the old Singer on the road outside a rented room when I first got it (1991), no MOT or tax since the latter required the former and it failed the MOT badly, but it was insured. Policeman knocks on my door a couple of weeks later in response to a complaint and was set to do me for no insurance. When I showed him the insurance certificate he told me if I could get it moved to somewhere he couldn't find it in an hour he'd let the lack of tax and MOT go and say it had already gone when he called.
Got my mate to come over with his "mostly filler" mini clubman estate and rope towed it across town to the flat he and his wife were renting (she was well pleased at getting another wreck round at her place
)
Got my mate to come over with his "mostly filler" mini clubman estate and rope towed it across town to the flat he and his wife were renting (she was well pleased at getting another wreck round at her place
)Onz said:
This could be an old wives tale but I seem to remember reading somewhere that you can leave a £1m bond with your local council and drive around any car without insurance. Any bib know if there's any truth in this?!!
You can setup a deed/bond of trust/promise (or something similar). Some large and wealthy companies have a few mill in an account which is solely to pay in the event of an accident. Now here's the good bit, the money deposited will earn interest instead of it being money down the drain as insurance premiums. Not too daft some of these companies. Don't think the money is held in any way by local councils (would you trust them not to spend/squander it?) the funds are usually held at the bank of England.Onz said:
This could be an old wives tale but I seem to remember reading somewhere that you can leave a £1m bond with your local council and drive around any car without insurance. Any bib know if there's any truth in this?!!
Loaf's post earlier described this (£500,000 was the figure mentioned).The need for permanent insurance ( to the glee of insurers ) should really be told more to the public.
I am sure it never used to be this way, and many people still think so. The reason it is a bit back door stuff and not an actual 100% law, is that if the car is on your drive then it does not need insurance....so we can play semantics and say we most certainly do not have the need for permanent insurance, as you have options where you do not need to pay.
But in typical British style, that only relates to those with a little more...namely some private ground on their property.
I started another thread about the database ( which wardens, police and clampers use to check if you are insured ) and most seem to think it takes days to two weeks before the insurers update the database.....meaning you risk having your car clamped, even crushed, despite it being insured.
So be extra careful where you park if, like me, you have just taken out a new insurance policy after a period of no cover.
I am sure it never used to be this way, and many people still think so. The reason it is a bit back door stuff and not an actual 100% law, is that if the car is on your drive then it does not need insurance....so we can play semantics and say we most certainly do not have the need for permanent insurance, as you have options where you do not need to pay.
But in typical British style, that only relates to those with a little more...namely some private ground on their property.
I started another thread about the database ( which wardens, police and clampers use to check if you are insured ) and most seem to think it takes days to two weeks before the insurers update the database.....meaning you risk having your car clamped, even crushed, despite it being insured.
So be extra careful where you park if, like me, you have just taken out a new insurance policy after a period of no cover.
GreenV8S said:
Onz said:
This could be an old wives tale but I seem to remember reading somewhere that you can leave a £1m bond with your local council and drive around any car without insurance. Any bib know if there's any truth in this?!!
Loaf's post earlier described this (£500,000 was the figure mentioned).
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