failure to insure

[ferestu]

Just received £100 penalty from the DVLA for failure to insure.

 

This was the first letter I received although they stated they had written previously.

 

Firstly the car is registered in my daughters name but I drive, tax and, insure the car.

 

I cancelled the insurance because I was going away.

 

The tax was valid and when I arrived back I insured and taxed it again.

 

Then three weeks later my daughter received this penalty notice Stating that the car was not insured although the tax is was valid.

 

Can anyone give me advice please much appreciated.

[dx100uk]

if you have a valid insurance policy cert for the time they have fined you

 

send it to them with an appeal.

 

dx

[ferestu]

sorry I don't seem to have explained myself very well.

 

I cancelled the insurance when I went away,

 

The tax was still valid and the car was parked in the garage.

 

The penalty was for the date I was away.

 

I thought that it wasn't necessary to sorn it because the tax was still in place.

[ferestu]

sorry I don't seem to have explained myself very well.

I cancelled my insurance I went away.

The tax was still valid and the car was parked in the garage.

I thought that it wasn't necessary for the car to be sorn because the tax was still valid.

The penalty letter was for the time I was away.

[Raykay]

A vehicle is required to be both licensed and insured (or SORN) even if it is in a garage. Which is why you have the claim for failing to insure.

[dx100uk]

ok present them evidence [airline ticket receipts or payments

that you were not in country

 

and relate it was already taxed by kept off road for the period?

 

not sure

 

dx

[ferestu]

Thank you I will submit the form stating already taxed by kept of road for that period.

[Raykay]

The fact that it was taxed and off the road is irrelevant - the claim is that it was not insured.

Edited January 18, 2014 by Raykay

[i hate bailiffs]

The fact that it was taxed and off the road is irrelevant - the claim is that it was not insured.

 

Correct

A car must be SORN and kept off the road

or

Taxed AND insured

This is not a new rule and has been advertised in tax renewal letter

 

Unfortunately there is no way around this other to pay the fine otherwise it will increase

[ferestu]

okay silly of me to not realize this we are all not able to catch up on the latest information. They never sent me any previous correspondence which again is my word against theirs, of course I would have rectified it sooner. Now they have issued me with:-

a £100 Penalty charge

may prosecute

vehicle may be clamped and impounded by the DVLA

the police may seize the vehicle

 

What is England coming to, they certainly no how to get you, no mercy for the honest people , try getting the dishonest.

[Hachi]

Sadly a car must be taxed and insured, if neither of these are in place then you must declare a SORN on it. Pay the fine and move on, there really isn't a lot you can do.

[citizenkain]

this rule came in a few years ago,I used to cancel insurance myself if I was going away,you cant do it now

[unzippy]

this rule came in a few years ago,I used to cancel insurance myself if I was going away,you cant do it now

 

Any particular reason?

 

What if your car got stolen while you were away?

[ferestu]

Thanks for all your comments and help. The DVLA stated on their failure to insure letter that they had previously written to tell you that the Motor Insurance Database was not insured on the 29/11/13. We received no such letter can I appeal on this. If I had received an earlier letter then it could have been rectified.

[ferestu]

the car is very secure it is garaged and where we live is very secure. When I returned just before xmas I taxed,insured the car and transferred the registered keeper back into my name as my daughter was going abroad to work. The registration document as not come back yet.