Can you drive an uninsured car if you have own insurnance?

Can you drive an uninsured car if you have own insurnance?

Author
Discussion

martinbiz

3,047 posts

144 months

Wednesday 23rd June 2021
quotequote all
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 incorrect

Cat

3,015 posts

268 months

Wednesday 23rd June 2021
quotequote all
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 incorrect
Because both the owner and driver commit an offence if the vehicle is used on a road without tax.

Cat

martinbiz

3,047 posts

144 months

Thursday 24th June 2021
quotequote all
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't

Cat

3,015 posts

268 months

Thursday 24th June 2021
quotequote all
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't
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.

Cat

Red Devil

13,055 posts

207 months

Thursday 24th June 2021
quotequote all
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).

Armchair_Expert

18,168 posts

205 months

Thursday 24th June 2021
quotequote all
Why do you sign each post with your name unnecessarily when it is written at the side of each post?

These are all unnecessary duplicated keyboard inputs, and takes up valuable internet space.

Armchair_Expert

Red Devil

13,055 posts

207 months

Thursday 24th June 2021
quotequote all
Hello Pot, meet Kettle. rofl

Cat

3,015 posts

268 months

Thursday 24th June 2021
quotequote all
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

Cat

3,015 posts

268 months

Thursday 24th June 2021
quotequote all
anonymous said:
[redacted]
Stop signing your posts. Apparently it uses up too much of the interweb if you do.

Pit Pony

8,265 posts

120 months

Thursday 24th June 2021
quotequote all
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.
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

Sheepshanks

32,529 posts

118 months

Thursday 24th June 2021
quotequote all
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't
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.

Cat
That reads like using or keeping is one offence and it applies to one person.

martinbiz

3,047 posts

144 months

Thursday 24th June 2021
quotequote all
Sheepshanks said:
That reads like using or keeping is one offence and it applies to one person.
This exactly, you only have to ask yourself who gets the penalty, the driver certainly doesn’t unless they are one and the same

SS2.

14,455 posts

237 months

Thursday 24th June 2021
quotequote all
If only one person could be proceeded against, what is the purpose of s.30 VERA 1994 ?

Cat

3,015 posts

268 months

Thursday 24th June 2021
quotequote all
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. rolleyes

Cat

Sheepshanks

32,529 posts

118 months

Thursday 24th June 2021
quotequote all
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. rolleyes

Cat
Did you also report the RK? I didn't think the Police even got involved in road tax offences these days.

Cat

3,015 posts

268 months

Thursday 24th June 2021
quotequote all
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

1,500 posts

176 months

Thursday 24th June 2021
quotequote all
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.


martinbiz

3,047 posts

144 months

Thursday 24th June 2021
quotequote all
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???

Sheepshanks

32,529 posts

118 months

Thursday 24th June 2021
quotequote all
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.

Armchair_Expert

18,168 posts

205 months

Friday 25th June 2021
quotequote all
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?

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.