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PostPosted: Mon Jul 18, 2005 23:23 
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camera operator wrote:
the answer is using the new legislation no insurance, tow it away


Really?

How many are they going to tow away each year? The Police presently manage to nick about 150,000 uninsured drivers each year. The DfT says there are 1.4 million of them.

The typical uninsured driver of a £500 throw-away vehicle will be back on the road in a month.

The numbers are about a million miles away from workable. Don't you think?

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PostPosted: Tue Jul 19, 2005 16:33 
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camera operator wrote:
the answer is using the new legislation no insurance, tow it away


Really , how - not breaking the speed limit and you're not interested.
But the human variety ( trafpol) would get suspicious.
Another good reason to bring back the old trafpol, who after all have the power to stop .


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PostPosted: Tue Jul 19, 2005 17:26 
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camera operator wrote:
the answer is using the new legislation no insurance, tow it away

And how do you intend to determine whether a vehicle is insured or not?

Relying on insurance companies to notify the authorities of when an insurance policy has been taken out on a certain vehicle certainly helps, but it is nowhere near foolproof.
I have 5 vehicles on my drive right now that would come back as "not insured" if the police decide to do a check on them, but my traders policy says I am insured to use any one of them at any time I see fit.

As Paul has already said, your typical uninsured driver won't give a toss whether he loses the vehicle or not because he has paid bugger all for it to start with.
If anything, the new legislation will more than likely make the typical uninsured driver think twice about spending £300 on a car that he is likely to lose.....instead he will more than likely buy the £50 deathtrap and use that instead!


EDIT:
Your idea is most excellent "camera operator"......

Please feel free to tow away & scrap the £500 shitter that I have left legally parked on the road (but is reported as uninsured by the PNC), because you can guarantee that by the time I get to compensation court, I will have no trouble proving it was worth 3 times what I paid for it :lol:

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PostPosted: Tue Jul 19, 2005 21:09 
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paul ]


Last edited by camera operator on Sat Sep 23, 2006 16:11, edited 1 time in total.

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PostPosted: Tue Jul 19, 2005 22:07 
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yES SCAM MAN - your "job" as it is is to catch speeders - those exceeding the speed limit.
You would like to give us the impression that you are the "cure all " for all our road problems.
Instesd you are the majr part of the problem.
You don't catch drunk drivers
You dont catch un insured drivers
You dont catch un taxed vehicles.
You don't catch dangerous drivers
You don't catch any one who has not registered with DVLA.

SO what use are you - you catch Mr Pasty at 5 MPH above the limit and you don't catch Mr dRUNK AS A SKUNK , CAUSE HE'S 5 mph under.

But your savin lives -


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PostPosted: Tue Jul 19, 2005 22:13 
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Steady on a bit, Botach - perhaps you're being a bit unfair.

Camera operator strikes me as quite a decent chap, and, unlike certain other 'operatives' here he's at least willing to enter into open debate.

Cheers
Peter

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PostPosted: Tue Jul 19, 2005 22:27 
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ok i


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PostPosted: Tue Jul 19, 2005 22:29 
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buckmac wrote:
Just seen this one from Ian. There seems to be some semantics at play here. Most insurance policies say 'drive', while the law appears to refer to 'use'. Would these two terms (in a court of law) be deemed to be synonymous? Or would drive be seen as applying the insurance only when the vehicle is actually on the move?



“Use” has a much wider meaning than “Drive”. An employer that owns/hires/leases a vehicle that an employee drives in the course of his employment “Uses” the vehicle.

A person who employs a chauffeur to drive their vehicle also “Uses” it, even though they may be a non-driver.

The reason for the wording “Drive” in the Insurance Document is to negate the following.

You, being an ardent DIY’er, are working at home one day, assisted by your non-car owning mate Barney Rubble. You urgently need supplies from Jewsons but your wife is out in the family car shopping. Next door is an amiable neighbour, Fred Flintstone, who will gladly lend you his car, and has done on many occasions when you have “Driven” it on your insurance.

But on this occasion, you are in the middle of something a bit technical, and so you want your mate Barney to collect your materials. The “Use” of the vehicle would clearly be for your sole benefit and purposes, but your policy only allows you to “Drive” the vehicle, thereby obviating the possibility of you delegating your cover to another person.

IanH wrote:
IIRC, this option of third party driving of someone elses car was brought in as an option many years ago to allow a person to drive someone elses car when the normal user was for some acute reason unable to drive him/herself. At least that's my understanding, but I'd be happy to be corrected.


Never heard that one, and it was a reasonably common clause in the 1960’s. Personally, when I was working, I ALWAYS insured my car ANY DRIVER on the basis that, when I got injured, at least someone could make sure my car got ferried back home.

greengoblin wrote:
If anyone can clarify this it would be of great use as both my wife and I own motorcycles but she prefers to ride on only 6 month policies . and I was under the impression that that I could not ride hers whilst she herself had no insurance in place. :scratchchin:


A dangerous one. The wording of the Policy invariably contains the wording “Not owned by……..” Although your wife may be the Registered Keeper of the vehicle, are you not also part owner? If there were to be a matrimonial split, or even the cessation of a non-matrimonial partnership, would the value of the motorcycle(s) not feature in the financial settlement. If it were a son, daughter, mother, father, etc, with an independent income, then I would advise yes. But a spouse. There is certainly an argument towards joint ownership although I know of no Case Law on this topic.

Just to be clear. Generally, when using your own policy to drive another’s vehicle, you are only covered for Third Party Risks.

Therefore,
No cover for the damage to the vehicle that you are driving.
No compensation for injuries YOU receive including loss of limbs or loss of sight.
No legal advice or support in any claim against another motorist.
No recovery of costs associated with recovery or loss of use of the vehicle.
Loss of/reduction in NCB.

Most Insurance companies, for the sake of a phone call, will extend your cover to another vehicle at a minimal cost. Are you so in need of saving £20 or so. It’s not worth the risk.


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PostPosted: Tue Jul 19, 2005 22:49 
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Pete317 wrote:
Steady on a bit, Botach - perhaps you're being a bit unfair.

Camera operator strikes me as quite a decent chap, and, unlike certain other 'operatives' here he's at least willing to enter into open debate.

Cheers
Peter


Yes - perhaps , but why ??
i am man enough to admit that the bullshit given out by the SCP's is a load of crap sometimes

He is man enough to admit their crap is wrong

I would be looking for another job - in his place - wouldn't you

Beter the dole than being forced to do this


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PostPosted: Tue Jul 19, 2005 23:03 
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camera operator wrote:
paul wrote
How many are they going to tow away each year? The Police presently manage to nick about 150,000 uninsured drivers each year. The DfT says there are 1.4 million of them.

The typical uninsured driver of a £500 throw-away vehicle will be back on the road in a month.

The numbers are about a million miles away from workable. Don't you think.

but don't you think its a start, up until now a HORT1 is issued, driver told to leave the car where it is 20 minutes later its gone. if by using the new legislation that car is towed away there and then and only to be released once insurance is obtained (same way as the DVLA tows vehicles)


Nope. Sadly it isn't even a start. Oh it sounds like a start. But the number of uninsured drivers is rising faster than the Police can nick them.

Just think - with say 200,000 nicks a year (and that's optimistic) the average uninsured driver will get nicked once in seven years. It costs him a £500 banger and £200 fine. He's back on the road in a month in another banger. His total cost is equivelent to £100 per year and he's been taken off the road for 1.2% of the 7 years. If we get 1.2% of the 1.4 million off the road we'll still have 1.383 million uninsured vehicles. But uninsured driving is growing faster than that so, nope, we're not even going to put a minute dent in the problem.

I replied to the government's consultation process on uninsured driving pointing this out but they still went ahead chasing their rainbow anyway. Typical. http://www.safespeed.org.uk/uninsured.doc

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PostPosted: Tue Jul 19, 2005 23:29 
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botach wrote:
Pete317 wrote:
Steady on a bit, Botach - perhaps you're being a bit unfair.

Camera operator strikes me as quite a decent chap, and, unlike certain other 'operatives' here he's at least willing to enter into open debate.


Yes - perhaps , but why ??
i am man enough to admit that the bullshit given out by the SCP's is a load of crap sometimes


I think 'steady on a bit' was well judged.

And the 'why' is that we have the winning hand - we have to play it in a winning way. We have to win people over. One by one by one.

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PostPosted: Tue Jul 19, 2005 23:45 
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Off at a bit of a tangent with regard to the ANPR & Insurance comments herein, I would like to say I am seriously considering registering my next car in the name of a partnership at an accomodation address.

Don't worry, people, it will be insured and taxed and MoT'd in case I personally get stopped or have a prang and have to produce on a seven day wonder... But because it will be registered through a partnership at a business address, if and when I get scammed again.....

The law is being abused - we all know it too...


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PostPosted: Wed Jul 20, 2005 09:33 
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camera operator wrote:
but don't you think its a start, up until now a HORT1 is issued, driver told to leave the car where it is 20 minutes later its gone. if by using the new legislation that car is towed away there and then and only to be released once insurance is obtained (same way as the DVLA tows vehicles)

The new legislation is going to be completely unworkable where a fair number of people are concerned.

Take myself for instance.....
I have a motor trader policy which allows myself, and anybody who I designate as a driver, to be able to drive ANY motor vehicle & ANY motorcycle (license permitting).
Now every single vehicle that I own at this present time (approximately 50 or so) will NOT be flagged as insured when a PNC check is done as there is no single policy attached to any of the vehicles.
My stock is constantly turning over, and I invariably have a minimum of 2 drivers plus myself out on the road at any one time.
Now there is only ONE copy of the insurance certificate, which means (obviously) that at least 2 of us will not be able to keep it in our possession while driving......are you starting to see the problems that can arise if the new legislation comes in to force now?


Quote:
gixxer

i'm sorry i cannot answer your point as my PNC / CAPTOR validity has expired, but on a simple PNC check the registered keeper would be named with a current insurance flag attached, the system has not changed only been updated maybe the traf pol can explain this more clearly

As above my friend, I already know that my motorcycle comes back with no insurance flag attached after a PNC check, but that doesn't mean that it is not insured.
If the proposed legislation becomes law, then that means that if I am stopped driving, I will end up having to walk back to my office to obtain my insurance certificate, and then walk to whatever police station to produce it and have my vehicle released.

I personally will only tolerate an occurence like that only once before I instruct a solicitor to take the first plane to Geneva :wink:

Oh, let us also not forget that if I should find so much as a stray hair on any vehicle of mine that is wrongfully towed, somebody, somewhere will pay through the nose for it.

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PostPosted: Wed Jul 20, 2005 16:59 
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Just been having a look at the intended legislation.

Quote:
After section 165 of the Road Traffic Act 1988 (c. 52) insert-

"165A Power to seize vehicles driven without licence or insurance

(1) Subsection (5) applies if any of the following conditions is satisfied.

(2) The first condition is that-
(a) a constable in uniform requires, under section 164, a person to produce his licence and its counterpart for examination,
(b) the person fails to produce them, and
(c) the constable has reasonable grounds for believing that a motor vehicle is or was being driven by the person in contravention of section 87(1).

(3) The second condition is that-
(a) a constable in uniform requires, under section 165, a person to produce evidence that a motor vehicle is not or was not being driven in contravention of section 143(No insurance),
(b) the person fails to produce such evidence, and
(c) the constable has reasonable grounds for believing that the vehicle is or was being so driven.


(4) The third condition is that-
(a) a constable in uniform requires, under section 163, a person driving a motor vehicle to stop the vehicle,
(b) the person fails to stop the vehicle, or to stop the vehicle long enough, for the constable to make such lawful enquiries as he considers appropriate, and
(c) the constable has reasonable grounds for believing that the vehicle is or was being driven in contravention of section 87(1) or 143.

(5) Where this subsection applies, the constable may-
(a) seize the vehicle in accordance with subsections (6) and (7) and remove it;

(b) enter, for the purpose of exercising a power falling within paragraph (a), any premises (other than a private dwelling house) on which he has reasonable grounds for believing the vehicle to be;
(c) use reasonable force, if necessary, in the exercise of any power conferred by paragraph (a) or (b).

(6) Before seizing the motor vehicle, the constable must warn the person by whom it appears that the vehicle is or was being driven in contravention of section 87(1) or 143 that he will seize it-
(a) in a section 87(1) case, if the person does not produce his licence and its counterpart immediately;
(b) in a section 143 case, if the person does not provide him immediately with evidence that the vehicle is not or was not being driven in contravention of that section. But the constable is not required to give such a warning if the circumstances make it impracticable for him to do so.

(7) If the constable is unable to seize the vehicle immediately because the person driving the vehicle has failed to stop as requested or has driven off, he may seize it at any time within the period of 24 hours beginning with the time at which the condition in question is first satisfied.

(8) The powers conferred on a constable by this section are exercisable only at a time when regulations under section 165B are in force.

(9) In this section-
(a) a reference to a motor vehicle does not include an invalid carriage;
(b) a reference to evidence that a motor vehicle is not or was not being driven in contravention of section 143 is a reference to a document or other evidence within section 165(2)(a);
(c) "counterpart" and "licence" have the same meanings as in section 164;
(d) "private dwelling house" does not include any garage or other structure occupied with the dwelling house, or any land appurtenant to the dwelling house.

165B Retention etc. of vehicles seized under section 165A

(1) The Secretary of State may by regulations make provision as to-
(a) the removal and retention of motor vehicles seized under section 165A; and
(b) the release or disposal of such motor vehicles.

(2) Regulations under subsection (1) may, in particular, make provision-
(a) for the giving of notice of the seizure of a motor vehicle under section 165A to a person who is the registered keeper, the owner or the driver of that vehicle;
(b) for the procedure by which a person who claims to be the registered keeper or the owner of a motor vehicle seized under section 165A may seek to have it released;
(c) for requiring the payment, by the registered keeper, owner or driver of the vehicle, of fees, charges or costs in relation to the removal and retention of such a motor vehicle and to any application for its release;
(d) as to the circumstances in which a motor vehicle seized under section 165A may be disposed of;
(e) as to the destination-
(i) of any fees or charges payable in accordance with the regulations;
(ii) of the proceeds (if any) arising from the disposal of a motor vehicle seized under section 165A;
(f) for the delivery to a local authority, in circumstances prescribed by or determined in accordance with the regulations, of any motor vehicle seized under section 165A.

(3) Regulations under subsection (1) must provide that a person who would otherwise be liable to pay any fee or charge under the regulations is not liable to pay it if-
(a) he was not driving the motor vehicle at the time in question, and
(b) he did not know that the vehicle was being driven at that time, had not consented to its being driven and could not, by the taking of reasonable steps, have prevented it from being driven.

(4) Regulations under subsection (1) may make different provision for different cases.

(5) In this section- "local authority"-
(a) in relation to England, means-
(i) a county council,
(ii) the council of a district comprised in an area for which there is no county council,
(iii) a London borough council,
(iv) the Common Council of the City of London, or
(v) transport for London;
(b) in relation to Wales, means the council of a county or county borough; and
(c) in relation to Scotland, means a council constituted under section 2 of the Local Government etc. (Scotland) Act 1994; "registered keeper", in relation to a motor vehicle, means the person in whose name the vehicle is registered under the Vehicle Excise and Registration Act 1994."


Looks like the onus is going to be on the driver to immediately provide the evidence that he is insured, and if not the car gets seized if the bobby believes it may not be insured. Looks like costs would be down to the keeper, owner, driver etc. :roll:

Currently I'd say this is unworkable, but it may be that changes are afoot to improve the current database to include motor bikes most of which seem not to be included. Also there would have to be a system to suit traders and businesses.

The benefits of reducing insurance non payers would undoubtedly be huge, especially as uninsured are significantly more likely to be involved in RTCs. I dealt with 4 uninsured drivers on Monday alone. I was also interviewed by a representative of an insurance company who are trying to wheedle out of a 7 figure payment for a serious injury RTC where the at fault driver had possession of a certificate of insurance which he had failed to pay for.

I can see though that the constraints which would be required to be imposed on insurance cover to facilitate enforcement is going to raise a few eyebrows. :wink:

Again if I've misconstrued the above intended legislation or if anyone has more info on what is planned for next year, I'm happy to be corrected or enlightened. :)

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PostPosted: Wed Jul 20, 2005 17:19 
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Thanks for posting all that. The Bill of Rights Act 1689 clearly prohibits such actions without trial. I hope it really is still in force. I hate the idea of seizing property without a prior trial. It doesn't fit my definition of justice.

IanH wrote:
The benefits of reducing insurance non payers would undoubtedly be huge, especially as uninsured are significantly more likely to be involved in RTCs. I dealt with 4 uninsured drivers on Monday alone.


I agree about the benefits and the need for action. But I doubt that having insurance has much bearing on the crash rates.

It's more likely that the scrotes crash more and are also more likely to be uninsured. A cause in common rather than an effect.

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PostPosted: Wed Jul 20, 2005 17:24 
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IanH wrote:
Again if I've misconstrued the above intended legislation or if anyone has more info on what is planned for next year, I'm happy to be corrected or enlightened. :)

From what I have just read of that Ian, it sounds to me like I (and a lot of other law abiding road users) are going to be having vehicles towed away left, right, & centre.

Unless I have been asleep recently, I do not believe that anybody is lawfully obliged to carry their driving license with them (although the the government will probably change that). Likewise the same goes for insurance & MOT (although they will probably change that as well).

Even if it is made law that you have to carry your license & insurance, there are still quite a few lawful reasons why somebody would not be carrying them when driving.

I don't believe for one minute that the threat of losing a motor vehicle will reduce the amount of uninsured drivers on our roads, because a high majority of uninsured drivers are driving old bangers that aren't worth two bob (hence they won't care when their vehicle is confiscated).

The other possible side effect of the proposed legislation could be that "chummy" is now more prepared to take a chance and make a chase out of it if he thinks he is going to lose his vehicle, whereas at the moment he is quite happy to stop, "do the business", and then be on his merry way.

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PostPosted: Wed Jul 20, 2005 17:57 
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SafeSpeed wrote:
I agree about the benefits and the need for action. But I doubt that having insurance has much bearing on the crash rates.

It's more likely that the scrotes crash more and are also more likely to be uninsured. A cause in common rather than an effect.


I agree, but if there was a reduction in the percentage of uninsured drivers, by some scrotes feeling compelled to insure their car, then it may engender a sense of responsibility in these 'scrotes', which may in turn reduce their propensity to crash - I don't know, but I know something has to be done.
I'd hazard a guess that if 5% are uninsured, they probably account for something like 20% of the total insurance payout. Anything to reduce my insurance bill would be a welcome help. They additionally cause a lot of added worry to the other parties involved in their collision.

I understand that to go hand in hand with this legislation, there will be a fixed penalty ticket for no insurance with £200 fine and 6 endorsable points.

Gixxer wrote:
From what I have just read of that Ian, it sounds to me like I (and a lot of other law abiding road users) are going to be having vehicles towed away left, right, & centre.

Unless I have been asleep recently, I do not believe that anybody is lawfully obliged to carry their driving license with them (although the the government will probably change that). Likewise the same goes for insurance & MOT (although they will probably change that as well).

Even if it is made law that you have to carry your license & insurance, there are still quite a few lawful reasons why somebody would not be carrying them when driving.


I'm assuming there would have to be some change in the legislation regarding carrying of insurance and licences, or perhaps a 24/7 contact with your insurance company, and D/L database.

I certainly don't want to be seizing any more vehicles than necessary.

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PostPosted: Wed Jul 20, 2005 18:21 
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IanH wrote:
I agree, but if there was a reduction in the percentage of uninsured drivers, by some scrotes feeling compelled to insure their car, then it may engender a sense of responsibility in these 'scrotes', which may in turn reduce their propensity to crash - I don't know, but I know something has to be done.
I'd hazard a guess that if 5% are uninsured, they probably account for something like 20% of the total insurance payout. Anything to reduce my insurance bill would be a welcome help. They additionally cause a lot of added worry to the other parties involved in their collision.


Sure. But I think the horse has well and truly bolted and no realistic amount of closing the stable door will get the bugger back inside. Time for a rethink.

The only realistic option I can find is to scrap compulsory self-purchased insurance and fund 3rd party cover for all vehicles with a levy on fuel. Cheap as chips. No resources required for collection or enforcement. No national databases. No uninsured drivers. No need to find or fine uninsured drivers. No uninsured loss recovery. No more worry about the problem.

IanH wrote:
I understand that to go hand in hand with this legislation, there will be a fixed penalty ticket for no insurance with £200 fine and 6 endorsable points.


I think that's already in force.

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I have heard about vehicles being seized (and crushed) and compensation payouts then being made because the authorities were over-enthusiastic with their new powers.

The problem as I see is it is that these uninsured drivers with their untaxed cars are simply outside of the law, and virtually immune to everything except long term jail:

Points on Licence? Licence is just a bit of paper, and points only matter if you want insurance. At the end of the day, you don't need a licence to actually drive a car.

Fine? Unlikely to get paid even if set by the Court. Is likely to be a lot less that the cost of Insurance in the first place. If you haven't got that much money in the first place then they cannot take it from you.

Crushed Car? Buy a new scrap one and forget to register it.

The problem is that HMG has been doing everything to milk the motorist and to force them economically off the road with high fuel tax, road fund licence, insurance tax, etc. Unfortunately people need to have cars just to live and work. Once you have been criminalised by the scamera system and had all respect for the law destroyed, then you might as well carry on being the criminal that you have been treated as.

The concept of pricing people off the road is seriously flawed, when living in the UK (outside of London and a few other big cities) demands the use of a car. The only consequence of this policy is to force more and more people outside of the law. Expect the numbers of uninsured drivers to keep increasing and respect for the law to go continue to decrease.


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Rewolf wrote:

{snip}

The problem as I see is it is that these uninsured drivers with their untaxed cars are simply outside of the law, and virtually immune to everything except long term jail:

Points on Licence? Licence is just a bit of paper, and points only matter if you want insurance. At the end of the day, you don't need a licence to actually drive a car.

Fine? Unlikely to get paid even if set by the Court. Is likely to be a lot less that the cost of Insurance in the first place. If you haven't got that much money in the first place then they cannot take it from you.

Crushed Car? Buy a new scrap one and forget to register it.

{snip}



I agree with this entirely.

And having been turned into a criminals, any one of us could be of the mind to seriously consider using an alias at an accomodation address to buy the next car; buy basic 3rd party insurance with that 'dodgy name' along with that reg number, telling the insurance companies "I'm in my 50's and have a full licence, full ncd", etc to get the thing insured (and therefore onto the ANPR database) (when did insurance companies ever question when you GIVE them money???) so "the offender" would then have a certificate of insurance to go and tax it.... And "boom-shanka" when seen on the roads, it'd be "clean" and would pass every run through the police computer. There'd never be a speeding or parking ticket and if ever stopped or having had an accident, all the criminal would have to say is "I just bought the car for my wife.".


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