DVLA and a recipe for disaster?

[toddygti]

We've all known for sometime that in the battle against uninsured drivers, the DVLA and MIB joined forces after our Government introduced CIE (Continuous Insurance Enforcement Law.

The MIB Database and the DVLA's Database (administered by IBM) were merged so that the DVLA could check taxed vehicles were also insured.

The story is outlined here if you hadn't heard the official line

http://www-05.ibm.com/employment/uk/consulting/pdf...


The latest amendments to this go one step further and have not been published in the media, in fact it's been kept very quiet. The information was only passed to me because I work within the Insurance industry. In fact, a quick google only shows one result which was published by the ABI.

Whilst i completely agree with the purpose of the project, I'm concerned about the DVLA's competence to administer it. Bearing in mind they repeatedly 'lose' peoples licences from the system, remove entitlements from motorcyclists etc it could cause a few issues too.

The final point being it gives them more information on people than they previously had which is then made freely available to anyone with 'just cause' because they appear to be exempt from Data Protection laws.

enough of me rambling, here's the link, what are your thoughts?

https://www.abi.org.uk/~/media/Files/Documents/Pub...


Toddy

[Krikkit]

Sounds like a good idea to me - much easier to quote for insurance for anyone with points etc, as the info is all pulled out for you, and cuts down on fraudulent policies.

I'd say the insurance companies shouldn't be trusted with the data, but we already give them lots of personal information, and this is bringing nothing new other than your driver number.

[keegs111]

4 months to build the platform!!! This is genuinely funny! There is not a chance in hell that they could hit those timescales!!

[BMW3s6]

Krikkit said:

Sounds like a good idea to me - much easier to quote for insurance for anyone with points etc, as the info is all pulled out for you, and cuts down on fraudulent policies.

I'd say the insurance companies shouldn't be trusted with the data, but we already give them lots of personal information, and this is bringing nothing new other than your driver number.

really...so how will this system have stopped my wife being rear ended by some chav council scum bag with no, insurance, tax, mot and a bald tyre. He proceeded to tell my wife..I don't own fk all so sue me all you want...About a week later we received a letter from Essex Police saying they offered the bloke to either face prosecution or pay £250 to attend a driving awareness day and if hes caught again he will face prosecution.....I bet he was already driving around that week in another banger.

[Krikkit]

BMW3s6 said:

Krikkit said:

Sounds like a good idea to me - much easier to quote for insurance for anyone with points etc, as the info is all pulled out for you, and cuts down on fraudulent policies.

I'd say the insurance companies shouldn't be trusted with the data, but we already give them lots of personal information, and this is bringing nothing new other than your driver number.

really...so how will this system have stopped my wife being rear ended by some chav council scum bag with no, insurance, tax, mot and a bald tyre. He proceeded to tell my wife..I don't own fk all so sue me all you want...About a week later we received a letter from Essex Police saying they offered the bloke to either face prosecution or pay £250 to attend a driving awareness day and if hes caught again he will face prosecution.....I bet he was already driving around that week in another banger.

It won't. How could a database link between DVLA and insurers at purchase time help with the kind of scumbag who doesn't buy insurance, tax or MOT it? The system needs sorting in other areas, but that's no reason to just throw our arms up and say "fk it, that'll do."

[aka_kerrly]

BMW3s6 said:

really...so how will this system have stopped my wife being rear ended by some chav council scum bag with no, insurance, tax, mot and a bald tyre. He proceeded to tell my wife..I don't own fk all so sue me all you want...About a week later we received a letter from Essex Police saying they offered the bloke to either face prosecution or pay £250 to attend a driving awareness day and if hes caught again he will face prosecution.....I bet he was already driving around that week in another banger.

It won't do anything to stop that but it will stop someone is who prepared to pay for insurance but lies on the application in order to try and get a cheaper policy by claiming they have no points, no convictions or more NCD than they are entitled to.

Also as noted in the press release it says this system will allow for more accurate quoting / risk pricing but what they actually mean is this system needs to be paid for somehow so we will all end up paying an additional premium to cover the development & implementation.

[saaby93]

keegs111 said:

4 months to build the platform!!! This is genuinely funny! There is not a chance in hell that they could hit those timescales!!

link said:

• July 2013 – Final Agreement of Requirements and Publication to Industry

• July – November 2013 – MIB and DVLA Systems Built

• December – Feb 2014 – Testing

• March – June 2014 – End to End Testing with Industry

• Q2 2014 – Go Live

link said:

MIB Hub also allows more data at point-of-quote e.g. No Claims Discount

[toddygti]

keegs111 said:

4 months to build the platform!!! This is genuinely funny! There is not a chance in hell that they could hit those timescales!!

This bit got me too! Even IBM aren't THAT efficient to intergrate two different software databases.

[markmullen]

In theory a good idea.

Sadly DVLA will, without doubt, fk it up, as they do most things they touch.

[mikdys]

A few thoughts:

• All government "initiatives" like this seem to end up inconveniencing the law abiding majority while the “real targets” continue to behave exactly as they did before.
• The IBM document referenced refers to things like “conviction types and dates”. Currently only (minor) convictions within the past four years need to be declared when buying motor insurance. There really ought to be “spent convictions limits” applied.

• Maybe a small number of “real targets” slip up in the way they carry on and end up getting chased by the police and then either escape or get pushed into a high speed accident sometimes ending in a fatality. Even premeditated murder doesn’t attract the death penalty in this country and it’s plainly wrong for high speed police car chases to be the “second string”.

• Surely a pragmatic approach to the whole area of uninsured/untaxed vehicles, such as new licence plates every year bought at the car’s annual check and only issued if the physical check is passed(at the cost of the annual check, appropriate road tax and common fund third party only insurance), would work much better. “Second string” being to clamp or impound STATIONARY vehicles without a current licence plate that doesn’t marry up with the official database. Registered owners of cars over 100 PS to be over 25 (checked at annual test) or no plate issued. Anyone wanting more than third party insurance to arrange and buy separately themselves. I know nothing like this could happen (too much money in the DVLA selling private plates and too many lobbies/vested interests).

Edited by mikdys on Thursday 31st October 13:52

[mrmr96]

mikdys said:

Registered owners of cars over 100 PS to be over 25 (checked at annual test) or no plate issued.

Strongly disagree.

[gareth_r]

"The IIADD programme will give insurers access to accurate data from the DVLA on motoring entitlements, convictions and penalty points..."

Well they won't achieve that by Q2 2014...

[aka_kerrly]

mrmr96 said:

mikdys said:

Registered owners of cars over 100 PS to be over 25 (checked at annual test) or no plate issued.

Strongly disagree.

Absolutely that is quite frankly a ludicrous idea, at 25 drivers can have maximum no claims discount if they have been sensible, why should they still be deemed to be high risk when someone who is 30 may only have been driving for 1 year and managed to not achieve a years no claims discount would be entitled to drive whatever they like.

[Who me ?]

Accuracy of vehicle information and the insurance industry .About as possible as DVLA not loosing paperwork , or a well known tyre place not ripping you off for an work done .If I had £1 for each time I've been asked for info on a vehicle I was insuring , that's commonly available to all and sundry , I 'd be rich . time & time again I've had the "has it got ABS " or has vehicle an immobiliser on my present car .FFS -model before this had Thatcham 2 .It's got Alloys ,so that's a mod . Maker quotes all TDI were fitted with Alloys . Must admit ,this year present broker knew all this. I'd name them but it's against rules ,but they know anyway .