Insurance and ANPR vans

[10110001]

I have insurance on my car and that policy allows me to drive anyone else’s car, What if the car im driving has no insurance and I am 'hit' by an ANPR van?

I would be stopped because ANPR assumes I have no insurance because the car doesn't.

Design flaw with ANPR, or has the Road Traffic Act been changed?

[patdavies]

The RTA has not been changed in regard to this.

ANPR will compare with the MID, which lists all insured cars by VRM. The data is supplied by the insurance companies.

If you are hit' by ANPR and stopped then you have to produce your insurance certificate that allows driving other cars (DOC). The Police may then phone your insurer to confirm this.

BTW, it is an urban myth that a car must have its own insurance on it to allow DOC usage

[10110001]

I'm sorry if I am less informed, but what is MID and DOC usage?

[Rob S]

Motor Insurers Database

Drive Other Cars (I think that's what it means).

[10110001]

Thanks Rob,

This means that anyone driving on a DOC policy, a motor trader for example, passing an ANPR van will get an automatic hit and will be required to take their insurance documents to a police station.

My own car has insurance cover, but if my car is nicked and the thief drives through an ANPR check then it won’t get a hit

This means that for DOC policy drivers ANPR is merely a public nuisance, and is somewhat ineffective against vehicle crime.

[patdavies]

Originally Posted by 10110001

Thanks Rob,

This means that anyone driving on a DOC policy, a motor trader for example, passing an ANPR van will get an automatic hit and will be required to take their insurance documents to a police station.

My own car has insurance cover, but if my car is nicked and the thief drives through an ANPR check then it won’t get a hit

This means that for DOC policy drivers ANPR is merely a public nuisance, and is somewhat ineffective against vehicle crime.

Er... Yep.

At least as far as insurance is concerned (until the continuous insurance rules kick in)

[10110001]

Originally Posted by patdavies

Er... Yep.

At least as far as insurance is concerned (until the continuous insurance rules kick in)

That's already in force?

What is SORN then?

[Rob S]

Originally Posted by 10110001

.

My own car has insurance cover, but if my car is nicked and the thief drives through an ANPR check then it won’t get a hit

.

If you have reported the car stolen and a stolen report has been placed on it then it will generate a hit on ANPR, assuming the number plates haven't been changed.

[Rob S]

Originally Posted by 10110001

That's already in force?

What is SORN then?

Statutory off road notification. The declaration you have to make if you decide not to re-tax your vehicle.

[Rob S]

Originally Posted by patdavies

At least as far as insurance is concerned (until the continuous insurance rules kick in)

When are they due to come into effect Pat?

[10110001]

Continuous insurance, can anyone explain what that is?

It sounds like the same rules as now - you have to have insurance to drive a car. Road Traffic Act.

Does it mean that a SORN car now has to have insurance?

Does it mean a motor dealer has to have a policy on all their stock?

Owners of more than one vehicle (business with fleets of vans?) insure each & every and block-policies not allowed?

[patdavies]

It means that any vehicle, including those on SORN will need to be insured. This has been driven by the insurance industry mainly.

Motor traders have a dispensation top both VED/SORN and have a trader's motor policy covering any vehicle.

Businesses with block insurances still have to supply vehicle details tot he insurance company at the moment - so this is not a problem

[patdavies]

Originally Posted by Rob S

When are they due to come into effect Pat?

AFAIK, it is a part of the recent Road Traffic Act, but has not been put into force - it is still being consulted on.

There are all sorts of wrinkles that need to be worked through. At the moment, in the UK we insure the driver; not the vehicle. There is no requirement for a Registered Keeper to be old enough to drive; never mind hold a licence. So how could such a vehicle be insured without making changes to other Acts? What happens when the RK is banned for a short period? Many insurance policies require the vehicle to be roadworthy or the policy is voided - how is that going to work for a SORN car in pieces?

[Rob S]

That's worrying! I've got a motorcycle in my garage that I have not ridden since March. It is SORN'ed and I have no intention of using it over the winter, but under these proposals I will still have to insure it? That's crazy! What level of cover are they proposing that you have, would it be a minimum of 3rd party only?

[10110001]

I can this as a pretext to introduce some of the most draconian motoring laws on the planet - even surpassing Calcutta and Ho Chi Minh City.

Forcing motorists to insure thair cars off-road contributes nothing for road safety, and spending our tax pounds on placing ANPR cameras every 100 yards of road as common as street lights seems to be a pointless government War on Motorists. It just converts Britains community of normal citizens into a de-facto nation of criminals.

I came accross a friends son who MOT'd his car with plenty of unexpired time remaining on his current MOT, and it failed - the rear wiper wasnt working - the current MOT was revoked and the car was immediately condemned off the road and he would be made a criminal if he drove his car. As far as motoring goes, Britain is becoming a police state.

[patdavies]

Originally Posted by Rob S

That's worrying! I've got a motorcycle in my garage that I have not ridden since March. It is SORN'ed and I have no intention of using it over the winter, but under these proposals I will still have to insure it? That's crazy! What level of cover are they proposing that you have, would it be a minimum of 3rd party only?

That is the only level of cover that the law requires for any vehicle.

Another thing, you do not have to insure a vehicle to drive it on the road. Under the law, you may deposit a pre-determined sum (£ 500,000) with HM Government and this allows you to drive any car on UK roads. (RTA1998 S.144 & RTA 1991 s.20))

[Conniff]

Originally Posted by Rob S

That's worrying! I've got a motorcycle in my garage that I have not ridden since March. It is SORN'ed and I have no intention of using it over the winter, but under these proposals I will still have to insure it? That's crazy! What level of cover are they proposing that you have, would it be a minimum of 3rd party only?

Can't see this happening. If in the above case the motorcycle is already insured on a general household policy, then to insure that motorcycle will be to have duplicate insurance which I believe is illegal.