Registered Owners Face Fines for Uninsured Cars

The Ministry of Transport is expected to make sweeping new changes today that could see the end to uninsured driving. Changes to the Road Traffic Act of 1988 are to be announced that will see it become an offence to own an uninsured car. The offence of being the registered keeper of a vehicle with no insurance will become Section 144A of the Road Traffic Act 1988.

Here's how they intend to implement it....

The DLVA will compare all registered vehicles against the Motor Insurers Database and anyone who appears to not have insurance will receive a reminder followed by a fixed penalty notice of up to GBP1000 if they fail to obtain insurance. The Statement of Off Road Notice, SORN, which is currently completed by 1.7 million UK car owners every year who state that their car is off the road, will be amended to include insurance details.

Car insurance blog welcomes any changes to convict uninsured drivers who kill over 150 people in the UK every year and costs the public millions in higher car insurance premiums, however we have concerns about the quality of data held by the insurance companies.
Of particular concern is how the new regulations will deal with people whose cars are taxed but insurance may have lapsed due to long periods outside the UK or a stay in hospital, for example.

Car Insurance and Cheap Car Insurance

Uninsured Drivers Cost Car Insurance Policyholders Dear!

Are you paying too much for your car insurance?

Are you fed up with the prices that you are being quoted - wherever you go?

It is more than likely that you will not be able to find cheap car insurance anywhere - because of where you live. All motor insurance rates are largely determined by the risks associated with the Postcode of the premises at which the car is kept overnight. If you live in a high risk postcode area there is little you can do to reduce your premiums short of moving!

One of the factors that affects the postcode rating table is the number of uninsured illegal drivers in your area.
The Motor Insurance Database (MID) which was founded in 2001, keeps records of all the uninsured drivers that have been caught by the Police.
The MID has recently reported that police seized over a hundred and fifty thousand cars last year which were being driven without insurance, and over forty percent of these were destined for the crusher!

So who are the bad boys who are costing us all more in insurance premiums, but particularly if you live in the following postcode sectors?

Well, the UK's worst is Bradford with proportionally more offenders than anywhere else in the UK. BD3 or Barkerend Bradford is the worst offending postcode, a poor area with high levels of asian immigration. Police have suggested that the problem is actually worse there than has been suggested but it is sometimes difficult to catch all the criminals as many drive using their relatives legal details. BD8 Whitefield and BD9 Frizinghil and Heaton are also at the top of the list.

Following close behing Bradford are certain postcodes in the West Midlands in particular B21 Handsworth, B20 Small Heath and B8 Saltley.

Be particularly careful if you have to drive in any of these postcode areas because if you are hit by an uninsured driver, chances are you may have a torrid time seeking compensation and justice!

Car Insurance blogger supports the moves for much tougher remedies including longer prison sentences for those who flout the law by driving uninsured.
Not only are these people putting us all in serious danger, they are costing this country a fortune.
An estimated 20 million pounds per year is paid into the Motor Insurers fund by the car insurance companies to cover some of the costs of claims against uninsured drivers.
This is being added to all of our car insurance premiums!

The weak British Judiciary and Magistrates need to tackle this problem head on and hand out exemplary custodial sentences for those found driving without insurance! Often the fines are less than the car insurance premiums!

A GBP 150 fine and a six month ban is really taking the piss out of the majority of us who scrimp and save to find the car insurance premiums every year!

Wake up you old fart Judges and get a sense of perspective!

Is that Car Insured? Check Online Now!

If you want to check whether your car is insured, you can now visit the Motor Insurers Database(MID) online.
This is exactly the same database that the police use to check the validity of insurance. Simply enter your cars registration number and the database returns the make and model type.
No other details are available unfortunately at this stage, although they should be made available under the Freedom Of information Act!

The good thing is that even though you are only supposed to check on vehicles that you own or use, you can actually check on any vehicle, such as one that you may have had an accident with. If you've been having problems with people in your neighbourhood why not check that their vehicles are insured. If not... then you know what to do.

At car insurance.tv we are campaigning to stamp out uninsured driving which is costing us millions every year in higher premiums - Catch those crims and ave a look today!

http://www.askmid.com/ownvehicle/
Visit the ultimate UK Car Insurance Comparison tool

You are Paying for that Uninsured Driver!

The amount you pay for your car insurance premiums is directly influenced by the number of uninsured idiots on the UK roads. The problem has exacerbated in recent years and is costing billions, which the likes of you and me are paying for in hiked premium charges to cover these morons. Fortunately the Police and Insurance Companies are now hot on the trail of the perpetrators. Dave Healey explains.........

We are constantly reminded that the cost of car insurance is exacerbated by the number of uninsured drivers on the roads, and it is certainly true that in the United Kingdom all car insurance companies are required by law to pay into the Motor Insurance Fund (MIF).
This pool of money was designed to protect and recompense the innocent public from damage or injury caused by uninsured drivers and untraceable hit and run drivers.

The fund was set up over sixty years ago immediately following WW2 when the licensing laws and car insurance regulations were still being formulated and put onto the statute books.
The war years had seen the number of cars and vehicles in the UK rise exponentially and for the first time women were systematically taught to drive in their thousands, to help the war effort.
At the end of the war Britain's roads were beginning to become cluttered and returning troops and foreign bases exacerbated the number of unlicensed cars and drivers on UK roads without car insurance to record levels.
As the number of accidents involving uninsured drivers rose steadily, public outcry forced the government to act and in 1946 a Government 'Quango' called the Motor Insurers Bureau (MIB) was established to oversee the whole operation of public compensation for damage, where no car insurance covered the costs.
The MIB is to this day funded by a proportion of every policy sold, and to date has paid out over £2 billion in total. The MIB have calculated that the cost to each of us when we purchase car insurance is an additional £15 to £30 per policy to cover uninsured drivers, which amounts to more than £200 million every year.
Furthermore, recent statistics from the Bureau indicate the problem of driving without car insurance has not declined over the intervening years since its foundation, and show that the UK continues to have a very poor record, with one in every twenty cars on the road being driven without proper car insurance cover.
Drilling down into the statistics further, reveals that the amount of damage caused by drivers without car insurance each year far exceeds the amount paid out in claims every year through the risk fund.
It is often difficult to receive full compensation even if you have identified the uninsured driver, who may well have been prosecuted by the police, and you make a claim through the MIB.
A satisfied claim, that is those claims that are paid out, usually only occur when a particular claim has run the full course of the law and a judgement handed down.
In a case of a hit and run driver without car insurance who is unidentified, the MIB does not pay all legal costs, which can quickly run into thousands, but merely makes a contribution with a deduction to cover the balance of legal costs and expenses.

Thus the hidden costs and misery caused by the actions of those who choose to drive without car insurance is far greater than the official statistics of two hundred million pounds every year.
It is with these figures in mind that the MIB became the centralised point of a new database, the Motor Insurance Database, created at the turn of the century. The database is updated daily with details of every person and their car, who buys a car insurance policy. This information is now immediately available to all police forces throughout the Country, who through automatic number plate recognition systems, can instantly send a car registration number to the MID.
This allows the system to immediately indicate to a police office in the field, cars that are being driven and the driver has valid car insurance in force.
Dave Healey is a car insurance systems expert who was responsible with others for the design of the MID. He also designed the first car insurance supermarket and is also a specialist car insurance underwiter who has been underwriting Classic Car Insurance polices for the last thirty years.

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Car-Insurance---Uninsured-Drivers-Cost-You-Money!&id=2136605

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80% off my car insurance - No I don't Believe it!

Well in the not so distant future this may well be the headlines that greet you on your TV set or computer, when a new criminal intelligence system is rolled out by certain participating car insurance companies.

The car insurance companies using the system will most certainly be offering big big discounts to get you to sign up!

Why?

The system effectively stops uninsured driving, allows insurance companies to eliminate many of the car insurance claims bottlenecks and at the same time provides police with the physical location of an insured vehicle, whenever they have reason to suspect otherwise.

By matching known locations of vehicles taken from Automatic Number Plate Recognition Systems (ANPRS) which are attached to streaming live video taken from multiple camera location sources, a datastream interrogates the Motor Insurance Database (MID).

The new system works by comparing known positons of registered vehicles.

When you sign up to the massive car insurance discounts policy, you will need to register a device that has GPS streaming output capability. Such devices are Pay as You Go (PAYG) insurance boxes, MOT Road Charging boxes, Mobile phones or any other GPS device with output streaming capability that can be permanently associated with the car. That's the only catch! Unless you include privacy, human rights, big brother society etc. etc. ....

Like it or not the economics of this system will ensure it is delivered!

Here's how it works!
When a request is made to the MID by the Police, either from an officer in the field or triggered by an APNRS, those car insurance policies that have signed up to the 'Security discount', will have the current GPS position returned to the police.
The policyholder for the registration number of the registered GPS device for their car is 'pinged'.

What is known as 'GPS pinging' is a request for a serial datastream of GPS coordinates, from the registered device, which gives the cars current GPS position. The coordinate datastream is retrieved to the MID and available instantly to the police.
If there is a mismatch in the serial numbers - Bingo you've got yoursef false numberplates!
The whole system is automated and can instantly flag up to the nearest patrol car the location of the car with false number plates.

Watch out billy burglars and car insurance fraudsters!

Big Brother is soon to be Watching!

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Author W Smith.

Car Insurance and Cheap Car Insurance