Ummm...am I being naïve here? - Bobbin Threadbare

www.honestjohn.co.uk/news/legal--motoring-advice/2.../

You must now keep your vehicle continuously insured.

I thought you had to keep it insured or declare a SORN anyway, or does this just top up the existing law by making the penalty harsher? Or am I just such a goody two-shoes that it wouldn't have occured to me not to do either of those?

(Sorry I possibly should have put this in the legal section. Avant, if you want to move it, no probs).

Ummm...am I being naïve here? - unthrottled

No. Before, there was no requirement for a car to be continuously insured-so, providing it wasn't driven without insurance, no offence was committed. Of course, when it comes to renewing the tax disc,insurance was required.

I for one don't support the change of legislation. It is infantising law that serves no useful purpose. There are times when it is convenient to have a car and not pay insurance on it-and it perfectly legitimate-I've been there myself. Providing a car is not being driven without 3rd party insurance, it isn't anyone's business what the insured status of a vehicle is.

Ummm...am I being naïve here? - Ethan Edwards

Yes I thought that it's exaclty the kind of law that has unintended consequences.

It might be amusing to call Direct Line and get a quite for Insurance for say a Dodge Viper that I 'have in my garage' in several large cardboard boxes in a zillion bits (some parts missing) ...... still going to ask for an arm and a leg? Or won't they be able to cover it in it's disassembled state. Love to find out.

Typical Nu Liebour sledge hammer to crack a nut. Far better to put basic TP insurance cost on the fuel then everyone who uses a vehicle is insured and pays.. Use it more or have a higher power vehicle then you pay more premium. Rather simple.

Ummm...am I being naïve here? - Bobbin Threadbare

Ahhh, I must have been thinking about taxing it then.

I did think you could drive about on private land sans insurance but I wasn't sure.

I'm afraid I don't completely disagree with it, since I thought it was what was supposed to happen anyway....and if it catches some of the nutters who do drive around without insurance then it's helping to lessen that menace. It is a bit Big Brother though.

Ethan - that's what Kiwis do. Insurance is not compulsory in NZ, you get a TP coverage through your road tax, effectively.

Ummm...am I being naïve here? - unthrottled

There are any number of dodges still open, underinsuring, phony insurance, number plate cloning etc. that are unaffected by this. The number plate cloning is really annoying for the car that has been cloned.

Ministers always assume that 'all things being equal' a change will be better, but the trouble is, all things are not equal. Of course we want uninsured drivers off our roads, but we have to be careful to avoid the politicians' syllogism.

Ummm...am I being naïve here? - TheOilBurner

One annoying side effect of this new law is that if you do want to keep a car off road for just a few weeks (e.g. whilst selling it) you must either keep it insured (which can be difficult if you already have your new car covered by your insurance policy) or SORN it. To SORN it will mean giving up your tax disc, thus meaning that you will have to apply for a new tax disc later on, losingout on a months tax that you paid for (they don't refund for part months), if you want to put it back on the road. Possibly also paying a higher rate of VED.

This therefore, makes it harder to sell your car on with tax still on it, which is the normal way of doing things for private sales.

Ummm...am I being naïve here? - bathtub tom

>>To SORN it will mean giving up your tax disc

Are you sure?

Ummm...am I being naïve here? - bonzo dog

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696

The change in the law means, you will only be able to take your vehicle off the road and cancel your insurance by returning your tax disc to DVLA.

It must be returned on a V14 (application form for a refund of a tax disc) and SORN declared at the same time.

Ummm...am I being naïve here? - TheOilBurner

Especially annoying for classic car owners, etc:

"If you have a vehicle that is still taxed but not insured, you could face a penalty. This includes vintage and classic cars, motorbikes and motor homes – all vehicles that people sometimes leave uninsured for part of the year. If this applies to you, you need to return the tax disc on a V14 (including nil value discs) and declare SORN at the same time."

Ummm...am I being naïve here? - madf

I used to insure my classic car all year. One fire - uninsured- and you are much poorer.

False economy in my view.