British motorists and insurers face a radical change in the law governing uninsured vehicles and are being urged to prepare themselves for the change. From June 20th 2011 it will be an offence to keep an uninsured vehicle whether that vehicle is used on the road or not and any driver found with an uninsured vehicle will find themselves in hot water with the law. Databases provided by the DVLA (Driver and Vehicle Licensing Agency) and the MID (Motor Insurance Database) have recently become good friends and have started talking to each other. As it's turned out they get on like a house on fire, which incidentally is something else that Performance Direct can insure against, but that's not the point here. Now that the two databases are talking it's opened up a new strategy against people who have uninsured cars. The two databases, possibly while drinking coffee, possibly not, continually discuss motoring issues between them relating to whether a registered vehicle is known to both of them. When discussing this electronically between them, if they find out that a car is on one database but not the other then the owner of that car will find themselves in serious trouble and could ultimately have their car taken away by the boys in blue and then crushed and recycled into fizzy drink cans. The offence for actually driving a car on the road without insurance stays in place but is now dealt with separately to the new Continuous Insurance Enforcement (CIE) laws. The first step of the CIE will tend to be a letter asking for confirmation regarding the car's current use and insurance status. Ignoring this could land you in trouble and ultimately end with the destruction of your car. It no longer matters if you car is left in a field far out of sight of the road as you no longer need to be seen to be prosecuted. Vehicles that are officially declared off the road with a Statutory Off Road Notice (SORN) are still exempt from requiring insurance and the various other requirements for a road legal car.
Since 2005 the MID has enabled the police to seize more than 500 uninsured per day but as they like to try and play fair they will let you check whether your own motor is listed by visiting www.askMID.com. The new laws look to very much stamp down on uninsured cars so it is important that you understand the changes to avoid getting into trouble.
Road Safety Minister Mike Penning said: “Uninsured drivers are a danger on our roads, killing 160 and injuring a further 23,000 people each year, and they cost honest motorists £500 million in extra premiums. That is why we are introducing this tough new law which will leave uninsured drivers with nowhere to hide."
So now, more than ever before, it's important to make sure that you have all your vehicle details in order, up-to-date, and that you are well prepared when you come to renew your car insurance online or by phone.
Performance Direct customers only need call the customer service team on 0844 573 3536 or email email@example.com to discuss their car and their policy if they have any concerns at all regarding the new legislation.