Following continuous industry lobbying with the Government, uninsured drivers will feel the force of tightened laws and schemes to remove these pests for good.

For more information, see http://www.insurancetimes.co.uk/story.asp?source=itpersonlines&advertcategory=PERSONAL_LINES&storycode=373868

Note that this will also mean underinsured drivers. For example, those that have insured their van for Social, Domestic and Pleasure incl/excl commuting but use the vehicle to carry tools/stock for the purposes of the business will also be penalised. Ensure that you have the correct level of cover. In this case, typically for tradesmen, this should be Carriage of Own Goods. (NB: This does NOT insure your tools if they are stolen, this should be covered under a Public Liability policy - Carriage of Own Goods permits you to carry tools within the vehicle - and with very good reason!). Carriage of Own Goods is generally CHEAPER than SDP due to the schemes available specifically for trades, but many think it increases the premium. Be told.

Another example of underinsured is where there is no commuting or extended cover for business use. Note that if one travels to and from MORE than ONE place of work, this is business use. You MUST inform the insurer or broker of the correct usage. Failure to do so will result in (currently) 6 points and a fine between £100-£400 depending on severity, continuous offence or if challenged.

Basically, if all material facts have not been disclosed to the insurer in order to produce the correct premium, there is a chance of being heavily punished.

Before anyone goes on to say 'another tax' or 'more money etc.' there are very good reasons as to why this latest operation (CIE) is being formed. It WILL, ultimately, stop large increases in premiums, reduce the amount of uninsured drivers on the road and give added piece of mind to the legitimate road users.

---

Coyote

Hi Vic,

Will these changes just be publicised within the noteable Insurance Times or get widespread coverage in things like Insurance Weekly or Insurance for Geeks?

How will the link work from the Insurer to criminal prosecution. Will they grass you up?

C'mon, Don't be shy.