Taxed but not insured
- Thread starter rscosworth
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![[TW]Fox](/data/man-of-honor/2009.png){kind=avatar}
There are certainly moves to change the law so that any taxed vehicle must be insured regardless of where it is being kept. Not sure if this has happened yet.
[TW]Fox;16267632 said:
I'm not saying try it - I'm saying if there was a genuine case that went to court - perhaps you went on holiday and your insurance lapsed but you were still taxed (for example) you could have a defence against "use". IANAL and all the other standard caveats apply.
Edited to say "could" instead of "would"
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Well a little while ago I had a honda CRX wooot.
any ways we was going to spain and i knew me insurance was gonna run out while i was there so i left it at a mates house on his drive.
when i got back i insured it went and got it parked it on the road woke up in the morning to find a ?????????? parked in the back of it
.
now if it was not insured would i have been paid?.
any ways we was going to spain and i knew me insurance was gonna run out while i was there so i left it at a mates house on his drive.
when i got back i insured it went and got it parked it on the road woke up in the morning to find a ?????????? parked in the back of it
.now if it was not insured would i have been paid?.
Your insurance status is a matter between you and the police. It has no effect on the relationship between you and a negligent third party.
realy so I could have got paid for it even IF i did not bother to insure it.tho i could have got a smack in the face for not doing so by the police.
tho lets be honest when they bother to catch em they dont realy do much any ways only a fine and ban puh that does a lot seeing as they is probably all ready on a ban and have saved loads of money from the xx years they have actualy not botherd to pay there insurance,tax and mot hehe.
but thats a whole new thread
tho lets be honest when they bother to catch em they dont realy do much any ways only a fine and ban puh that does a lot seeing as they is probably all ready on a ban and have saved loads of money from the xx years they have actualy not botherd to pay there insurance,tax and mot hehe.
but thats a whole new thread
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[TW]Fox;16267632 said:
How would they find out? Unless someone got onthe phone and reported it?
or you need to claim or someone else claims against you
realy so I could have got paid for it even IF i did not bother to insure it.tho i could have got a smack in the face for not doing so by the police.
tho lets be honest when they bother to catch em they dont realy do much any ways only a fine and ban puh that does a lot seeing as they is probably all ready on a ban and have saved loads of money from the xx years they have actualy not botherd to pay there insurance,tax and mot hehe.
but thats a whole new thread
you can claim against someone else insurance even if your car is not insured but then you would face a ban(as you stated) an IN10/IN14 (depending on the reason for the claim) and a fine. with a big down side being most insurance companies will either not touch you for insurance if you got an IN10/14 or will load your policy so you pay 5/6/7/8 times more than you would have if you just insured your car
Well, no. Not neccesarily.
There is no automatic link between insurance claims and convictions for having no insurance.
If you are uninsured, and somebody drives into you, you are free to claim against their insurance and its likely you won't get 'found out'.
If you are uninsured and you drive into somebody, there is no 'voiding' of policies because there is no policy to void!
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Seems we have went somewhat off topic.
Car not being used, taxed but unisured is unlikely to have any comeback?
Car not being used, taxed but unisured is unlikely to have any comeback?
The punishment if you DO get caught is (in the context of law abiding motorists) so huge that its simply not worth the risk.
With an IN10 on your license you can forget insuring anything vaguely interesting for years, and even crap stuff will cost an eyewatering amount of money to insure.
[TW]Fox;16268824 said:
i didnt say the policy would be voided, i said the claim would be void, in terms of link claims with convictions, you would be found out if they claim any damages for their vehicle, insurance companies will ask who the third party insurance is with, if no insurer is provided they would do a MID search for the date of the claim to make sure the driver was insured and im pretty sure that any insurance company would try to wriggle out of paying a claim especially if there was no insurance on a car in question
sorry to OP for going off topic
You are completely wrong.
If I decided not to insure my car, and you drove into it and were at fault, your insurance company would pay for the repairs to my car. It's that simple. Your negligence/your insurers liability isn't affected by my insurance status.
If the police attended, or were tripped off, then they may indeed charge me, but not as a matter of course. In many third party claim situations the innocent third parties insurer is never even contacted - why would they be?
[TW]Fox;16268923 said:
So Fox what about my incident recently then where my stationary car was being cleaned while uninsured and was hit by a driver? If I claim against their insurance surely the opposition insurance company will check my details too to try and get out of paying and i'll get an IN10 even though I'm nothing like the other scum out there who just don't bother
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i actually asked the police about this about 3yrs ago, i blew an engine up on my old car and needed to save money to get all the parts so i could build it up, since i didnt have a drive i asked is it ok to leave it outside my house with no insurance because there will be no engine in it.
They said its ok to do that as long as its taxed because your sitting on their road and should pay for that, but you dont need the insurance if you arnt using the vehicle.
They did say if someone was to report you for not having insurance then you have to prove you havent used the vehicle(which i could by big hole in engine bay) also mentioned if it gets pinched/damaged etc your on your own
They said its ok to do that as long as its taxed because your sitting on their road and should pay for that, but you dont need the insurance if you arnt using the vehicle.
They did say if someone was to report you for not having insurance then you have to prove you havent used the vehicle(which i could by big hole in engine bay) also mentioned if it gets pinched/damaged etc your on your own
[TW]Fox;16268923 said:
If I hit your car and it was uninsured and going by the op being on the road, your car shouldn't of been there unless it's insured. Third party gets contacted if any problems arise but you are true to a point about liability as they have a legal obligation to payout, but my posts have always mentioned a possible outcome not the guidelines insurance companies follow
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So Fox what about my incident recently then where my stationary car was being cleaned while uninsured and was hit by a driver? If I claim against their insurance surely the opposition insurance company will check my details too to try and get out of paying and i'll get an IN10 even though I'm nothing like the other scum out there who just don't bother
The fact your vehicle was uninsured is not relevent to the case. You are more than entitled to claim from the other party. Your vehicles insurance status is not a factor in the claim.
Maybe the police will find out as a result, which means you leave yourself open to charges, but the claim you make will not be rejected on the basis your car is uninsured.
Irrelevent. If I park on double yellow lines my car shouldnt be there either, but it doesn't mean its my fault if you plow it into under those circumstances, either.