Parked Car No Insurance

[Peter911]

HantsRat said:

Peter911 said:

Your opinion is several years out of date. There has to be insurance of some kind on the vehicle for DOC to apply

Please show me in the wording for Direct Line where it states the vehicle must have insurance for DOC to apply.

It's not Direct Line that makes the law. (Or Aviva) since April 2011 it is against the law to keep a vehicle without insurance unless it has been declared off road via a DVLA SORN.

[Sheepshanks]

silentbrown said:

pavarotti1980 said:

Peter911 said:

Your opinion is several years out of date. There has to be insurance of some kind on the vehicle for DOC to apply

Aviva also dont require the vehicle to be insured for DOC to be invoked from another policy

TBH, I don't see the relevance of DOC with a *parked* car. It still needs to be covered 3rd party when nobody's driving it, and DOC isn't going to handle that.

Yes - DOC is a moot point now as the car has to be insured itself anyway.

[BIG DUNC]

The DOC bit is irrelevant in this case.

To be used (which includes parking) on a public highway it needs 3rd party cover.

Yes, you can drive it on DOC, but if it doesn’t have its own cover as soon as the driver gets out then the car is on a public highway uninsured and hence should be SORNED.

[InitialDave]

Surely the driving other cars cover needing/not needing the car to be insured is a red herring?

You need it to have insurance to be able to tax it, and it needs the tax to be used on the road, so for the car to be in a situation where you'd be driving it using DOC cover, it already has to have insurance, even if not a clause in your own DOC cover?

Edit: That's what I get for replying without refreshing the page first!

[Cat]

Peter911 said:

Your opinion is several years out of date. There has to be insurance of some kind on the vehicle for DOC to apply

This is incorrect, some insurers require the vehicle to be covered it's own policy for DOC to apply others don't.

Cat

[Mark-C]

As soon as they move one of their cars move yours in ...

Be prepared for them to bh and moan but just politely point out it's not their road. If the insurance thing bugs you then bring it up at the same time.

[HantsRat]

Peter911 said:

It's not Direct Line that makes the law. (Or Aviva) since April 2011 it is against the law to keep a vehicle without insurance unless it has been declared off road via a DVLA SORN.

This is a completely different law to insurance law and one that DVLA enforce. Not the Police.

[Sten.]

OP - why does it bother you?

[Kuji]

borcy said:

CooperS said:

borcy said:

I don't get these people that have driveways yet still park on the road all the time.

We have it at ours. Everyone has a driveway for 2 to 3 cars. But theres those who park in front of their house. .... Doesn't affect us other than clutters what otherwise is a nice road

I don't get it at all. I think some can't manoeuvre into a driveway so don't even try.

Nobody owns the road outside their house, not the person owning the house OR the bloke down the road with more cars than off road parking who clogs up the whole street through choice.

[Kuji]

Mark-C said:

As soon as they move one of their cars move yours in ...

Be prepared for them to bh and moan but just politely point out it's not their road. If the insurance thing bugs you then bring it up at the same time.

That would be the most appropriate response.

[lyonspride]

When I had insurance issues I had to SORN my car, it caused me a lot of problems and nearly 2 weeks without a car, I even spoke to the DVLA and was told that if I didn't declare SORN, I would be fined.

I don't understand why these people would be above the law........... Perhaps the vehicle isn't registered to them? perhaps some poor sod 200 miles away is getting threatening letters from the DVLA?

[xjay1337]

Kuji said:

Mark-C said:

As soon as they move one of their cars move yours in ...

Be prepared for them to bh and moan but just politely point out it's not their road. If the insurance thing bugs you then bring it up at the same time.

That would be the most appropriate response.

Sounds like these people are the kind of people who think nothing of criminal damage.

[anonymous-user]

Scenario. Uninsured car on road. Someone from the house goes to open door but doesn't see another car coming. Opens door on passing door. Who pays for the damage? Please answer the question, I don't want a million different variations or different scenarios to change the original scenario.

[HantsRat]

flashbang said:

Scenario. Uninsured car on road. Someone from the house goes to open door but doesn't see another car coming. Opens door on passing door. Who pays for the damage? Please answer the question, I don't want a million different variations or different scenarios to change the original scenario.

The insurance of the car coming down the road will pay (if they have cover for incidents involving non insured vehicle) if not, the driver will need to get the non insured car owner details from the DVLA and pursue in small claims court of similar.

[blueg33]

Kuji said:

borcy said:

CooperS said:

borcy said:

I don't get these people that have driveways yet still park on the road all the time.

We have it at ours. Everyone has a driveway for 2 to 3 cars. But theres those who park in front of their house. .... Doesn't affect us other than clutters what otherwise is a nice road

I don't get it at all. I think some can't manoeuvre into a driveway so don't even try.

Nobody owns the road outside their house, not the person owning the house OR the bloke down the road with more cars than off road parking who clogs up the whole street through choice.

Not necessarily. I own the road outside and to my house, sometimes people assume its adopted but it isn't.

[Toltec]

Kuji said:

Nobody owns the road outside their house, not the person owning the house OR the bloke down the road with more cars than off road parking who clogs up the whole street through choice.

They might or another individual if it is a private road but otherwise you are correct.

[Funky Squirrel]

Trick or treat, Burn it!

[N7GTX]

Funky Squirrel said:

Trick or treat, Burn it!

If only.....

So far as I know the husband works in a warehouse and not in the trade so a motor trade policy wont come into this (I think). When I had one I still had to register the car(s) with the insurance company as some high performance cars were not covered.

As for hobbies, this hasn't take up much time. Just fired off some emails after midnight and waited for replies on the following nights. Current winter project takes up my time anyway.

The elderly neighbour - 75 yrs old and his wife who is receiving a lot of treatment for manic depression - shouldn't have to put up with abuse when they take the dog for a walk. Its bad when the 12 year old daughter has to tell her mother to stop shouting and swearing in the street.

The police have annoyed me with their stance on this particularly as their Facebook pages are currently showing pictures of cars in the next street that they have seized for no insurance. And the roads policing team or whatever they are called have in the last month seized some 392 cars.

The simplest solution as I understand it is for the owner to declare it SORN then park it on one of his driveways. But that means letting someone else park on the road in front of their house.

[irocfan]

HantsRat said:

flashbang said:

Scenario. Uninsured car on road. Someone from the house goes to open door but doesn't see another car coming. Opens door on passing door. Who pays for the damage? Please answer the question, I don't want a million different variations or different scenarios to change the original scenario.

The insurance of the car coming down the road will pay (if they have cover for incidents involving non insured vehicle) if not, the driver will need to get the non insured car owner details from the DVLA and pursue in small claims court of similar.

surely wouldn't the person driving be at fault for not paying full attention?

[irocfan]

Sten. said:

OP - why does it bother you?

by that metric why bother reporting any crime?