The laws regarding Car Insurance
in the United Kingdom.
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- The Costly Lure Of Free Car Insurance
- Free insurance has been a sucessful ploy to sell new cars. But are you getting a bargin? This article investigates.
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During the 1930s the British Government introduced car insurance through legislation that required every person who used a vehicle on the road to have, as a minimum, insurance providing third party personal injury cover.
Since that time, the word "user" has been a important operative word. The original 1930 laws used the words "users of vehicles" to describe their subject. Since then the Road Traffic Act has been changed many times. But the word "user" continues and has a vital implication - as the "user of the vehicle" doesnt have to be its driver. Under British law, according to case law set by Elliot versus Grey (1960), your policy insures the user rather than the driver. After you buy your car insurance, the first document youll receive will be a Cover Note. This is essentially a document that confirms your insurance cover for 30 days. Within those 30 days, you should receive your full insurance documentation, including the policy certificate itself. Keep all these documents in a safe place. (home insurance quotes)
(Apart from your Vehicle Registration Document, your car insurance certificate is your most important document. It proves that your car is insured and shows the policy number and name of the insurer. It also shows the car registration number, what uses the car is insured for (e.g. business or private use), who is insured to drive, what type of insurance cover you have (e.g. comprehensive or third party), the commencement and expiry date the cover. You will also need this insurance certificate if you chose to renew your tax disc at a Post Office. When renewing your tax online, your insurance status will be checked automatically now.
Important
Until the policy certificate or cover note is issued, your vehicle is not insured. If you cannot produce a valid car insurance certificate or cover note for the vehicle youre driving to the Police if requested to do so, that is a criminal offence. (cheap mortgages)
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