Chat & Social > The Bar - General Chat
Have you heard the latest on insurance!
Barry Scott:
--- Quote from: "Wanderer" ---AIUI "No tax or MOT means no Insurance " relates to Insurance companies can invalidate your cover if you do not have MOT (not sure about tax) but they cannot take away the legal minimum cover of third party.
So any incident where a vehicle had no MOT but was covered by insurance it would be the vehicle owners cover that would be lost and any right to claim by third parties.
Maybe Barry could clarify this.
Can you imagine someone with no MOT, but insurance, hitting and outting someone in a wheelchair and the insurance company wriggling out of the payments because their client had been remiss and forgotten to MOT the vehicle in time?
--- End quote ---
Yes, the insurer would still be responsible for the third party costs. They would however have full right of recovery off the policy holder. This means they could claim their losses from the policy holder.
In most cases no MOT means no insurance. I have not seen tax mentioned in a policy to this extent but I guess the insurer could argue the vehicle should not been on the road if the road tax has not been paid.
the loon:
--- Quote from: "Barry Scott" ---If someone is uninsured they should auction the car and put the money into the MIB fund for uninsured driver claims
--- End quote ---
I agree on thay I think its mad that vechicles either impounded or seized by police for what ever reason are just crushed :(
Out of intrest I wonder what the treehuggers say on this. After all most of the cars crushed are ok
Why not auction the vechicle off as is done with unclaimed stolen property etc?
when I lived in exeter I used to pass the local impound yard for on the recovered vechicles taken off the M5 by the highways unit as was near where I worked . Most cars in there where sound but they where crushed as standard practice if not claimed with in 5 weeks mind you the police garage was just up the road and they had some real wrecks that had been seized.But again why not auction these off as scrap. make sure the car itself is beyond use or stip and sell as parts. Get the community service offenders working on this or get them stripped down by prison labour.
offroading.net:
Jail the gits with no insurance.
I got hit last year by a muppet with no tax, insurance, mot or licence (he was serving a drink driving ban) He hit me while I was stationary in my car, he was on a bike, very near killed himself. All he got was £60 fine and a 1 year community service order. I now pay £250 a year more for my insurace, lost 2 days wages due to no car and paid a £300 excess. And the to55er is taking my insurance company to court for damages :shock:
So yet again a person abiding to the law gets shafted and a law breaker gets away with it, no change there.
I am all for all vehicles being insured, when I built my kit car I had storage/build insurance, cost £25 a year, no problem in my eyes.
We should give the police bigger sticks and a licence to use them :D
TimM:
--- Quote from: "offroading.net" ---We should give the police bigger sticks and a licence to use them :D
--- End quote ---
That may solve many problems :D
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