Can you drive an uninsured car if you have own insurnance?
Discussion
martinbiz said:
Cat said:
IYou stated that only the owner commits an offence by allowing the vehicle to be driven on a road without tax and that the driver is committing no offence. That is simply incorrect.
Cat
Please explain why you think that is incorrectCat
Cat
martinbiz said:
Cat said:
Because both the owner and driver commit an offence if the vehicle is used on a road without tax.
Cat
i think you will find they don'tCat
s29 Vehicle Excise and Registration Act 1994 said:
Penalty for using or keeping unlicensed vehicle.
(1)If a person uses, or keeps, a vehicle which is unlicensed he is guilty of an offence.
You think wrong.(1)If a person uses, or keeps, a vehicle which is unlicensed he is guilty of an offence.
Cat
Red Devil said:
Except of course for those which are exempt per S29(2A). See Schedule 2. It's not quite as clear cut as you make out by only quoting S29(1).
I'm not sure if you are being serious. Obviously if a vehicle is exempt then neither the owner nor the driver commits an offence. That doesn't change the fact that for non-exempt vehicles, which is what we are discussing, the driver commits an offence by using it on a public road. Cat
LOGiK said:
Additionally to this, driving it around will draw attention and legally speaking tax without insurance is now an offence so even if your policy is worded saying along the lines of
"The policyholder will have third party liability cover for the use of vehicles not belonging to him but which he has the consent of the owner to drive and that have
i)a valid, in date road tax disc
ii)a valid, in date MOT certificate"
and you are consequently legally insured to drive it, being pulled over may result in a letter being sent to the owner for having an uninsured vehicle with road tax.
So my wife has a car on Sorn. It needs an MOT to get taxed. The options to get it the 1/2 mile to the test, is take out insurance on line and cancel if it fails miserably. "The policyholder will have third party liability cover for the use of vehicles not belonging to him but which he has the consent of the owner to drive and that have
i)a valid, in date road tax disc
ii)a valid, in date MOT certificate"
and you are consequently legally insured to drive it, being pulled over may result in a letter being sent to the owner for having an uninsured vehicle with road tax.
Or check the terms of my "drive other people's cars" clause on.my insurance.
Or ask the MOT garage to come and collect it.
Or commit an offence. Or 3
Cat said:
martinbiz said:
Cat said:
Because both the owner and driver commit an offence if the vehicle is used on a road without tax.
Cat
i think you will find they don'tCat
s29 Vehicle Excise and Registration Act 1994 said:
Penalty for using or keeping unlicensed vehicle.
(1)If a person uses, or keeps, a vehicle which is unlicensed he is guilty of an offence.
You think wrong.(1)If a person uses, or keeps, a vehicle which is unlicensed he is guilty of an offence.
Cat
Fair enough I've clearly been getting it wrong for the last 15 years when reporting drivers for no tax. It's surprising that no one has ever pointed this out to me, and even more surprising that drivers who were not the vehicle owner have been fined when it's apparently not an offence, but obviously you guys know best.
Cat
Cat
Cat said:
Fair enough I've clearly been getting it wrong for the last 15 years when reporting drivers for no tax. It's surprising that no one has ever pointed this out to me, and even more surprising that drivers who were not the vehicle owner have been fined when it's apparently not an offence, but obviously you guys know best.
Cat
Did you also report the RK? I didn't think the Police even got involved in road tax offences these days.Cat
Sheepshanks said:
Did you also report the RK? I didn't think the Police even got involved in road tax offences these days.
In the past it was ticket or report for the driver and/or keeper depending on the circumstances. Nowadays it is a form to DVLA with details of the driver, time/date see etc. DVLA initiate any prosecution - they take action against both drivers and keepers.Cat
Decky_Q said:
To get your wife's sorn car to test I would advise getting one day insurance from one of the many tempsure type places online. I do it regularly taking cars to test or returning from a purchase and it's usually <£20 and removes all doubt about how your insurers will view a claim.
As has been said several times, I would advise talking to your ins co before needlessly spending cash. If you do it regularly then I would think your traders policy would cover you, yes???Cat said:
In the past it was ticket or report for the driver and/or keeper depending on the circumstances. Nowadays it is a form to DVLA with details of the driver, time/date see etc. DVLA initiate any prosecution - they take action against both drivers and keepers.
Cat
So, even if they did take action against both, it's just a penalty, which it'd be bonkers to challenge.Cat
Cat said:
In the past it was ticket or report for the driver and/or keeper depending on the circumstances. Nowadays it is a form to DVLA with details of the driver, time/date see etc. DVLA initiate any prosecution - they take action against both drivers and keepers.
Cat
You have followed up these forms have you, and know that out of "x" amount you have submitted, "y" have been actioned and drivers / keepers prosecuted? Do you really think the system is that efficient and slick? The reality is that around 90% of your form filling time is wasted. Is it still called a CLE28? Cat
Why do you post so cryptically? Are you someone who is told something by your employer and believes it without question? Or do you observe the real goings on of the world and have the ability to adjust your own judgments based on what you see actually happen or not happen? You come across as very regimented in your views.
And your still signing your name unnecessarily.
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