Continuous Insurance Enforcement (CIE) Frequently Asked Questions

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Continuous Insurance Enforcement (CIE) Frequently Asked Questions"

Transcription

1 Continuous Insurance Enforcement (CIE) Frequently Asked Questions This document is aimed at providing further clarity on the CIE process for the insurance industry and contains questions (and answers) raised at the CIE Industry Event in March 2010 as well as those submitted individually to MIB. It is not an exhaustive list and will be updated regularly to take into account any progress and development in the scheme. Questions: 1. What exactly is CIE? 2. Is CIE part of the Road Safety Act? 3. Why do other Western European countries have better levels of motor insurance cover than the UK? 4. What education will there be for the public and police to understand what to do when there is a delay on the MID being updated e.g. when there has been a change of ownership? 5. Will it be possible for insurance companies to view Vehicle Registration Marks before the IALs are sent out (so that their records can be checked to prevent unnecessary letters being issued)? 6. Will MIB be keeping the insurance industry up to date on how CIE works, and what processes or procedures may need to be addressed? 7. Have discussions been held with the commercial industries such as fleet, lease and rental operators and how their processes would impact upon or be affected by CIE? 8. What issues are there over accuracy of data on MID and is there any move to increase the mandatory fields as this could impact on IT resource? 9. When will vehicle verification for make and model be available on the MID update? 10. What is being done to tackle the level of miskeyed data as research shows that 90% of problems are caused by online insurance applications? 11. What does the term persisitent no record of insurance mean? 12. How will persistent offenders be treated, as a person may keep changing their vehicle but pay the Fixed Penalty Notice (FPN)?

2 13. Will motor trade vehicles become eligible for an IAL and who will the DVLA identify as the registered keeper? 14. Will fleet vehicles registered as part of DVLA s fleet scheme be eligible for an IAL? 15. Are there any vehicles that are exempt from CIE? 16. Are vehicles in trade exempt from CIE, if so how will they be identified? 17. Will the maximum court prosecution fine of 1,000 be sufficient? 18. Is any pressure being put on the judiciary to increase fines to the maximum amount possible? 19. Will CIE be an effective measure amongst young male drivers who may find it cheaper to pay the Fixed Penalty Notice (FPN) than pay for insurance? Do we need other means? 20. Will the Highway Code and Driving Test be amended to reflect changed insurance responsibilities, along with the consequences and penalties e.g. in the Theory Test? 21. Is it possible for MIB to name and shame offenders?

3 CIE Frequently Asked Questions 1. What exactly is CIE? CIE is a new, and additional, compliance and enforcement approach to reducing the level of uninsured driving. At present it is an offence to use a vehicle without insurance but, from 2011, it will also be an offence to keep a vehicle without appropriate motor insurance. Under CIE the registered keeper of a vehicle(s) will be sent a letter (Insurance Advisorory Letter) if it appears they have no insurance. The letter will set out what options the registered keeper can take to comply with CIE. If the registered keeper does not comply their details will automatically fall to the DVLA for enforcement action. 2. Is CIE part of the Road Safety Act? Yes. The Road Safety Act 2006 section 22 sets out the primary powers for the additional offence of being the keeper of a vehicle, either privately owned or part of a company fleet, which does not meet minimum insurance requirements. 3. Why do other Western European countries have better levels of motor insurance cover than the UK? There are several reasons for this, ranging from cultural differences and attitudes towards breaking the law, to the way vehicle registration systems operate. For example in Germany the registration system is based on number plates being directly allocated to individuals - this results in as little as 0.1% being uninsured. A common factor in countries with low levels of motor insurance evasion is rigorous enforcement from the record, which is fundamentally how CIE will work in the UK.

4 4. What education will there be for the public and police to understand what to do when there is a delay on the MID being updated e.g. when there has been a change of ownership? There will be publicity to help people understand the new scheme and the need to check askmid.com Every opportunity will be taken to remove any vehicle that is insured from the Insurance Advisory Letter* (IAL) candidate pool and, at the end of each stage, a final check will be done to make sure the vehicle has not got insurance. The IAL will advise registered keepers, who believe their vehicle is insured, to check with their insurance provider that their vehicle details appears on the MID and to check this themselves at It is important for all insurance providers to load accurate information onto the MID, in good time. The aim is to ensure that MID data is as accurate and up to date as possible, and MIB is looking at ways of speeding up processes in the future. As for Police on the road enforcement - there is the MIB Police Helpline** to assist with this type of MID enquiry. Both DVLA and MIB are talking to the Police at the appropriate levels, to ensure the CIE process, and its relationship to roadside operations, is understood. *An Insurance Advisory Letter (IAL) is what MIB will send to the registered keeper of vehicles that appear on the DVLA database but not on the MID and are therefore

5 potentially uninsured. The letter will give advice on what to do to comply with CIE and avoid enforcement action. **The Police Helpline is a dedicated telephone call centre service run by MIB that can assist the police, often from the roadside, in checking whether a motorist is driving with valid insurance. 5. Will it be possible for insurance companies to view Vehicle Registration Marks before the IALs are sent out (so that their records can be checked to prevent unnecessary letters being issued)? No, this could infringe Data Protection laws. However every opportunity will be taken to remove any vehicle that is insured from the IAL candidate pool and, at the end of each stage, a final check will be done to make sure the vehicle has not got insurance. Insurance providers can help prevent IALs being sent in error by ensuring that the data they supply to the MID is both timely and accurate. The IAL will direct keepers who believe that their vehicle is insured to check with their insurance provider. In this way insurance companies can update or correct their client s MID details and prevent any further action being taken. 6. Will MIB be keeping the insurance industry up to date on how CIE works, and what processes or procedures may need to be addressed? Yes. MIB will keep the industry involved throughout the project with guidance and regular updates about the operational changes needed to maintain and improve the integrity of data kept on the MID. We are aware that some companies may need to modify their processes and we will look at ways of reducing the burden.

6 We will do our best in keeping the industry up to date with developments via MID Account Managers, MIB website, publications and articles in the trade press - but if you feel that you are missing out on anything please contact MIB. BIBA (British Insurance Brokers Association) will also consider the broker s processes and will be issuing joint guidance to members with the MIB. This will be available at all times on the BIBA website in addition to sending out regular updates and guides to members. 7. Have discussions been held with the commercial industries such as fleet, lease and rental operators and how their processes would impact upon or be affected by CIE? Yes, and we are planning workshops with them to understand how CIE affects fleet and lease operators. These will take place over the coming months. These companies may have to change their processes, but Government and stakeholders are sensitive to their needs and are keeping them informed. 8. What issues are there over accuracy of data on MID and is there any move to increase the mandatory data fields as this could have an impact on IT resource? It is very important that the industry plays its full part to ensure the information on the MID, for comparison with the DVLA database, is as accurate as possible. MIB is looking at the more obvious fields that may need to be made mandatory, for example the post code field, and it is possible there may be one or two others. If there are to be any new mandatory fields MIB will give the insurance industry sufficient notice of this and explain the benefits.

7 9. When will vehicle verification for make and model be available on the MID update? A number of options are being considered for MIB to work with the DVLA to assist the industry in validating the VRM - either at the time a policy being purchased or before it is loaded onto the MID. More information will be available later this year. 10. What is being done to tackle the level of miskeyed data as research shows that 90% of problems are caused by online insurance applications? BIBA is aware of the problem and is looking at ways of improving validation software in the software houses. It is also starting an education process within the industry. A lot more work is going to be done on this. 11. What does the term 'persistent no record of insurance' mean? This is an internal system term for when an IAL has been issued, and the vehicle still continues to have no insurance. This means the registered keeper will automatically fall to the DVLA for enforcement. 12. How will persistent offenders be treated, as a person may keep changing their vehicle but pay the Fixed Penalty Notice (FPN)? Any persistent offenders will be flagged through the data comparison process and automatically fall to the DVLA for enforcement. CIE is part of a gradual process to reduce the level of uninsured driving leaving a smaller group to be tackled by other enforcement means, such as the use of Automatic Number Plate Reader cameras at the roadside by the Police to seize vehicles driven without insurance. 13. Will motor trade vehicles become eligible for an IAL and who will the DVLA identify as the registered keeper?

8 Vehicles that are registered as in trade with the DVLA are excluded from the IAL process - as such there would be no need to identify the registered keeper. Motor traders have 90 days before they need to register themselves as the owners of a vehicle bought in trade with the DVLA or declaring a Statutory Off Road Notice (SORN). MID account managers will be able to give guidance and support to motor trader insurers with specific queries about this. 14. Will fleet vehicles registered as part of DVLA s fleet scheme be eligible for an IAL? To qualify for the DVLA fleet scheme the company must prove that vehicles have appropriate insurance cover - therefore an IAL would not be applicable as insurance is already in place. However DVLA fleet vehicles that have insurance and do not appear on the MID may be in breach of different legislation that is failing to update the MID. If this is found to be the case appropriate compliance action will be taken by MIB. 15. Are there any vehicles that are exempt from CIE? Yes. Vehicles exempt under Section 144 of the Road Traffic Act 1988 are not included within the CIE arrangements e.g. depositors. Also exempt are: stolen vehicles vehicles where a SORN has been declared vehicles which have not been used on the road and were last taxed before 31 January 1998 although not a formal exemption from CIE the practicalities governing vehicles in trade (motor traders have 90 days before they need to register themselves as the owners of a vehicle bought in trade with the DVLA or declare as SORN) will ensure they are not included. See question 16 for more information.

9 (N.B. penalties may apply if a vehicle has been declared SORN and is used on the road). 16. Are vehicles in trade exempt from CIE, if so how will they be identified? Vehicles in trade are not formally exempt from the CIE process but the practicalities governing vehicles in trade (motor traders have 90 days before they need to register themselves as the owners of a vehicle bought in trade with the DVLA or declare it as SORN) will mean they will not be issued with with an IAL. In trade vehicles will be indentified using the marker settings within the DVLA system and removed from any subsequent data comparison and IAL process. MID Account Managers will be able to give guidance and support to motor trader insurers with specific queries about this. 17. Will the maximum court prosecution fine of 1,000 be sufficient? The aim of CIE is to move people into compliance by appropriately insuring their vehicle(s). Threat of court prosecution plays a part in this but so too does the FPN, wheel clamping and possible vehicle seizure all of which will have differing effects on different people. CIE alone may not be a strong enough deterrent for some people but this is also true of on the road enforcement. It may take time for this dual approach to have an effect but, when taken into account with wheel clamping, it is sending a clear message to the uninsured motorist that either from the record or on the road that they will be caught. It is important to remember that CIE is, as the name implies, continuous and that MIB and DVLA will be constantly comparing data to identify uninsured vehicles. Details of

10 registered keepers who persistently or continuously fail to insure their vehicles will automatically fall to the DVLA for enforcement. Therefore being caught, either from the record or on the road, will be an ever present threat. 18. Is any pressure being put on the judiciary to increase fines to the maximum amount possible? Penalties imposed are entirely at the courts discretion within the boundaries of the offence. The Department for Transport (DfT) has the power to review and increase level of fines in the future within their area of responsibility. DVLA and DfT have been working with the Court Service to increase the level of consistency of fines and also to increase the level of successful prosecutions. However, courts will encounter the situation where a person found guilty is already defaulting on existing fines, so increasing the fine will make little difference. Evidence from DVLA s experience of enforcement for non-payment of road tax, shows that people will respond to a range of enforcement tactics some to fixed penalties, others to threat of a court appearance and others to wheel clamping. 19. Will CIE be an effective measure amongst young male drivers who may find it cheaper to pay the FPN than purchase insurance? Do we need other means? Regardless of age, gender or income driving without insurance is a criminal offence. Alternatives to the FPN already exist through on the road enforcement which will continue to operate in conjunction with CIE. Police or on the road enforcement enables the vehicle to be seized - in addition to the financial penalty and points on the drivers licence.

11 The efforts the insurance industry has made so far to introduce new products are a step towards making insurance more affordable to younger motorists. 20. Will the Highway Code and Driving Test be amended to reflect changed insurance responsibilities, along with the consequences and penalties e.g. in the Theory Test? The DfT are bringing in some changes in co-operation with Driving Standards Agency (DSA), but we do not have information about the timescales or specific details for this at present. DSA are looking to amend the Pass Plus Scheme that is aimed to influence the behaviour of young drivers, and also help to influence their motor insurance premiums. 21. Is it possible for MIB to name and shame offenders in the media? No. This is neither in the spirit of what MIB is trying do in terms of encouraging compliance nor a practical use of our resources. Quite often not having insurance is just one of several offences the keeper or driver has been prosecuted for and as such there could be complicated reporting restrictions. Of course others, such as journalists or police press offices, may choose to cover such cases in the public interest and these are reported in the press. Through publicity MIB and DVLA, along with the insurance industry, should aim to encourage motorists to make the right choices and help them to understand the changes to the law.

Motor Trade and the MID

Motor Trade and the MID Don t let the criminals escape Why updating the MID can save you money Uninsured drivers currently cost UK motorists over 500 million per year. That means every time you pay your insurance premium a portion

More information

Don t turn your drivers into suspects. Fleets and the MID

Don t turn your drivers into suspects. Fleets and the MID Don t turn your drivers into suspects Fleets and the MID Why updating the MID can save you money Uninsured drivers currently cost UK motorists over 500 million per year. That means every time you pay your

More information

Don t turn your drivers into suspects. Fleets and the MID

Don t turn your drivers into suspects. Fleets and the MID Don t turn your drivers into suspects Fleets and the MID Why updating the MID can save you money Uninsured drivers currently cost UK motorists over 500 million per year and this means that every UK insurance

More information

Motor Trade and the MID

Motor Trade and the MID Don t let the criminals escape Why updating the MID can save you money Uninsured drivers currently cost UK motorists over 500 million per year and this means that every UK insurance premium, including

More information

Consultation Document. on changes to the treatment of penalties for careless driving and other motoring offences. Response from:

Consultation Document. on changes to the treatment of penalties for careless driving and other motoring offences. Response from: Consultation Document on changes to the treatment of penalties for careless driving and other motoring offences Response from: British Vehicle Rental and Leasing Association River Lodge Badminton Court

More information

Motor Insurance Database

Motor Insurance Database Allianz Insurance plc Motor Insurance Database Connect with us Contents An obligation to compliance 2 Supplying data making the right choice for your business 3 How to update MID 6 How does it all work?

More information

Removing the insurance check when taxing vehicles

Removing the insurance check when taxing vehicles Removing the insurance check when taxing vehicles The government s plans following consultation 1 OOJ/13/076 12/13 Foreword... 3 Executive summary... 4 1. Introduction... 5 2. The details of the proposal...

More information

Protection for business Motor Fleet Insurance

Protection for business Motor Fleet Insurance Protection for business Motor Fleet Insurance Haulage Factfinder Motor Fleet Insurance Haulage Factfinder The information you provide in this form will be used to assess your motor fleet insurance risk

More information

March 2013. Lifting the bonnet on car insurance - what are the real costs?

March 2013. Lifting the bonnet on car insurance - what are the real costs? March 2013 Lifting the bonnet on car insurance - what are the real costs? Lifting the bonnet on car insurance what are the real costs? Most UK motorists have an opinion on the cost of car insurance. Many

More information

RESPONSE TO THE DEPARTMENT FOR TRANSPORT CONSULTATION PAPER CHANGES TO THE TREATMENT OF PENALTIES FOR CARELESS DRIVING AND OTHER MOTORING OFFENCES

RESPONSE TO THE DEPARTMENT FOR TRANSPORT CONSULTATION PAPER CHANGES TO THE TREATMENT OF PENALTIES FOR CARELESS DRIVING AND OTHER MOTORING OFFENCES RESPONSE TO THE DEPARTMENT FOR TRANSPORT CONSULTATION PAPER CHANGES TO THE TREATMENT OF PENALTIES FOR CARELESS DRIVING AND OTHER MOTORING OFFENCES 4 SEPTEMBER 2012 Introduction This is the response of

More information

Motor Fleet Insurance Proposal Form

Motor Fleet Insurance Proposal Form Motor Fleet Insurance Proposal Form This proposal for motor fleet insurance forms the basis of the contract between you (the Proposer) and us (the Insurer). Failure to disclose all relevant information

More information

Cost of Preferred (or more likely) Option Net cost to business per year (EANCB on 2009 prices)

Cost of Preferred (or more likely) Option Net cost to business per year (EANCB on 2009 prices) Title: Amendment of the Road Traffic Act (RTA) 1988 to remove the requirement of a policyholder to return a motor insurance certificate if they cancel their policy mid term IA No: DfT00223 Lead department

More information

DRIVING WITH CONFIDENCE

DRIVING WITH CONFIDENCE MAKING SENSE OF CAR INSURANCE 1 DRIVING WITH CONFIDENCE MAKING SENSE OF CAR INSURANCE 2007 1 MAKING SENSE OF CAR INSURANCE MAKING SENSE OF CAR INSURANCE 2 WHY IT IS IMPORTANT TO HAVE INSURANCE If you cause

More information

Frequently Asked Questions Direct Debit

Frequently Asked Questions Direct Debit Frequently Asked Questions Direct Debit 1.What is Direct Debit? Direct Debit is a simple, safe and convenient way to manage your household bills or make regular or occasional payments from your bank account.

More information

Motor Insurers Bureau MID Overview Document

Motor Insurers Bureau MID Overview Document Motor Insurers Bureau MID Overview Document MID Overview Document Version 3.0 Page 1 of 14 MID Overview Document Background All companies wishing to underwrite motor insurance within the UK are required

More information

Asda Van Insurance. money. Terms of Business

Asda Van Insurance. money. Terms of Business Asda Van Insurance money Terms of Business Contents page number TERMS OF BUSINESS... 3 About The Service we Provide... 3 Our Status and the Services Provided... 3 The Capacity in Which We re Acting...

More information

What you need to know about registering and taxing your vehicle

What you need to know about registering and taxing your vehicle V100 What you need to know about registering and taxing your vehicle For more information go to www.direct.gov.uk/vehiclereg or www.direct.gov.uk/vehicletax 8/11 Contents Registering your vehicle 4 How

More information

Data protection notice

Data protection notice Data protection notice This notice contains important information about the use of your personal information. Please make sure that you read this notice carefully. In this notice we and us and our means

More information

A Safer Way: Consultation on making Britain s. roads the safest in the world. Response from:

A Safer Way: Consultation on making Britain s. roads the safest in the world. Response from: A Safer Way: Consultation on making Britain s roads the safest in the world Response from: British Vehicle Rental and Leasing Association River Lodge Badminton Court Amersham BUCKS HP7 0DD Tel: +44 1494

More information

Asda Van Insurance. Terms of Business. money

Asda Van Insurance. Terms of Business. money Asda Van Insurance Terms of Business money Contents page number TERMS OF BUSINESS... 3 About The Service we Provide... 3 Our Status and the Services Provided... 3 The Capacity in Which We re Acting...

More information

COMPANY VEHICLE POLICY

COMPANY VEHICLE POLICY COMPANY VEHICLE POLICY The following is a guide of what to include in a Company Vehicle Scheme. This can be used as a template by you to construct your own policy and adapted to suit your own company.

More information

Background. Insurance on Motor Vehicles

Background. Insurance on Motor Vehicles Office of the Auditor General Newfoundland and Labrador Highlights Highlights of a review of insurance on motor vehicles for the fiscal year ended 31 March 2006. Why our Office did this Review The objectives

More information

Protect your Off Road Vehicle

Protect your Off Road Vehicle INF85 Protect your Off Road Vehicle Motorcycles, Quadricycles and Construction/Plant Machinery For more information go to www.direct.gov.uk/vehiclereg 6/10 Like all vehicles, off road vehicles are at risk

More information

North Yorkshire Police

North Yorkshire Police North Yorkshire Police Traffic Bureau Frequently Asked Questions 1 Index 1) Was I speeding? Page 3 2) Notice of Intended Prosecution Page 3 3) What are my options? Page 5 4) I do not think the offence

More information

MOTOR TRADE ROAD RISKS ANNUAL DECLARATION COVER ENGINEERED FOR THE MOTOR TRADE

MOTOR TRADE ROAD RISKS ANNUAL DECLARATION COVER ENGINEERED FOR THE MOTOR TRADE MOTOR TRADE ROAD RISKS ANNUAL DECLARATION COVER ENGINEERED FOR THE MOTOR TRADE Motor Trade Road Risks Important Note You (or the broker or agent completing the form on your behalf) must provide all material

More information

Asda Value Car Insurance. Terms of Business. money

Asda Value Car Insurance. Terms of Business. money Asda Value Car Insurance Terms of Business money Contents page number Terms of Business... 3 About the Service we Provide... 3 Our Status and the Services Provided... 3 The Capacity in Which we re Acting...

More information

COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC

COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC COMMERCIAL VEHICLE PROPOSAL FORM YOU LL ONLY NEED TO WORRY ABOUT THE TRAFFIC Introduction Choice of Cover Third Party Fire and Theft You are covered for liability to third parties (including passengers)

More information

Your Registration Certificate ( V5C) and you

Your Registration Certificate ( V5C) and you INS160 Your Registration Certificate ( V5C) and you For more information go to www.direct.gov.uk/vehiclereg The V5C has changed For more information go to www.direct.gov.uk/buyerbeware Old New Both certificates

More information

INTERVENTION OF HON. ATTORNEY GENERAL. Road Traffic (Amendment) Bill Penalty Point System

INTERVENTION OF HON. ATTORNEY GENERAL. Road Traffic (Amendment) Bill Penalty Point System INTERVENTION OF HON. ATTORNEY GENERAL Road Traffic (Amendment) Bill Penalty Point System The decision to introduce the penalty point system was prompted by the need to induce drivers to behave more responsibly

More information

Published. Published 27 th March Police Service of Northern Ireland Police Service of Northern Ireland

Published. Published 27 th March Police Service of Northern Ireland Police Service of Northern Ireland Police Service of Northern Ireland Police Service of Northern Ireland Police Issued Fixed Penalty Notice Police Issued Fixed Penalty Notice Statistics for Traffic Offences in and Discretionary Disposal

More information

Managing Grey Fleet travel. A management briefing from Alphabet.

Managing Grey Fleet travel. A management briefing from Alphabet. Managing Grey Fleet travel. A management briefing from Alphabet. A growing number of organisations have introduced professional procedures and policies to manage their employees use of private cars for

More information

Your guide to making A MOTOR INSURERS BUREAU CLAIM. 1 Guide to making an MIB claim - Issue 5 (09.15)

Your guide to making A MOTOR INSURERS BUREAU CLAIM. 1 Guide to making an MIB claim - Issue 5 (09.15) Your guide to making A MOTOR INSURERS BUREAU CLAIM 1 Guide to making an MIB claim - Issue 5 (09.15) This booklet This booklet gives important information about the Motor Insurers Bureau (MIB) and making

More information

- Contents of this Guide - The Purpose of this Guide 1. Important Disclaimer 1. Special Hardship Orders 2. Special Hardship Orders 3

- Contents of this Guide - The Purpose of this Guide 1. Important Disclaimer 1. Special Hardship Orders 2. Special Hardship Orders 3 - Contents of this Guide - The Purpose of this Guide 1 Important Disclaimer 1 Special Hardship Order vs Restricted License Application 2 Special Hardship Orders 2 Special Hardship Orders 3 When an Application

More information

Fleet and Driver Risk Management Policy

Fleet and Driver Risk Management Policy Fleet and Driver Risk Management Policy Document Control Document Ref: Date Created: Version: 1 Date Modified: 6 th August 2010 Revision due Author: M Billinge-Jones Owning Service Equality Impact Assessment:

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions 1. What do the changes include? These changes will introduce progressive administrative penalties for drivers with blood alcohol levels of.05 or greater, tougher penalties for

More information

Guide to making a Motor Insurers Bureau claim

Guide to making a Motor Insurers Bureau claim Guide to making a Motor Insurers Bureau claim www.mib.org.uk This booklet This booklet gives important information about the Motor Insurers Bureau (MIB) and making a claim. Please read it carefully before

More information

FLEET ROAD RISK POLICY

FLEET ROAD RISK POLICY FLEET ROAD RISK POLICY SGPilliner U:\PolicieandProcedures\FleetRoadRiskPolicy\FleetRoadRiskPolicy040903 1 Fleet Road Risk Policy. 1.0 Introduction. Carmarthenshire County Council is committed to manage

More information

BUSINESS LEASE CAR POLICY

BUSINESS LEASE CAR POLICY BUSINESS LEASE CAR POLICY Version: 2 Ratified by Senior Managers Operational Group Date ratified August 2015 Title of originator/author: Title of responsible Committee/group Assistant Director of Finance

More information

Asda Car Insurance. Terms of Business. money

Asda Car Insurance. Terms of Business. money Asda Car Insurance Terms of Business money Contents page number Terms of Business... 3 About us... 3 Our status and the services provided... 3 The capacity in which we re acting... 3 Quotations... 3 How

More information

Offences and penalties. Enforcement Licence sanctions Disqualified and unlicensed driving

Offences and penalties. Enforcement Licence sanctions Disqualified and unlicensed driving Offences and penalties Enforcement Licence sanctions Disqualified and unlicensed driving 153 Enforcement Speed cameras Fixed speed cameras are installed at locations that have a history of road crashes,

More information

Protect your off road vehicle

Protect your off road vehicle INF85 Protect your off road vehicle Motorcycles, quadricycles and construction/plant machinery For more information go to www.gov.uk/vehicle-registration 6/14 Like all vehicles, off road vehicles are at

More information

Buying a motorcycle. In the guide

Buying a motorcycle. In the guide Buying a motorcycle When you buy a new or second hand motorcycle from a trader, you enter into a legally binding contract. You are entitled to expect that the motorcycle is of satisfactory quality, fit

More information

Employers Liability Insurance the need for change

Employers Liability Insurance the need for change Employers Liability Insurance the need for change All-Party Parliamentary Group on Occupational Safety and Health Employer liability and motor insurance There are two main types of insurance that the Government

More information

Road traffic offences

Road traffic offences There is a vast spectrum of driving offences, relating to use of a motor vehicle, keeping of a motor vehicle, document and driving offences. This is a selection of just a few of them: Alcohol Related Offences

More information

mid phase ii Policyholder Information Pack

mid phase ii Policyholder Information Pack mid phase ii Policyholder Information Pack [Contents] [3] Introduction Background to the Motor Insurance Database (MID) MID Phase II UK Legislation [4] Requirements of MID Phase II Policy Information Vehicle

More information

Transport Select Committee inquiry into the cost of Motor Insurance.

Transport Select Committee inquiry into the cost of Motor Insurance. S:\WP\!FILES\CURRENT\Graeme\Nicola/Octooberl\2010\ LTR- Transport Select Committee 3 November 2010 Mr M Egan Transport Committee House of Commons 7 Millbank London SW1P 3JA Dear Mark Transport Select Committee

More information

The Government propose to take a zero tolerance approach to the following 8 controlled drugs which are known to impair driving:

The Government propose to take a zero tolerance approach to the following 8 controlled drugs which are known to impair driving: Drug-Driving: Proposed New Law New law on drug driving to be introduced in the near future The new law on drug driving is designed, in part, to reduce the number of failed prosecutions under the existing

More information

MOTORING offences & criminal law

MOTORING offences & criminal law Really Useful Guide To MOTORING offences & criminal law From Road Accidents to Serious Crimes Friendly yet tenacious; We are on your side. Protecting you and your interests. Speeding, Driving without Due

More information

TITLE 18 INSURANCE DELAWARE ADMINISTRATIVE CODE

TITLE 18 INSURANCE DELAWARE ADMINISTRATIVE CODE 600 Automobile Insurance 1 606 Proof of Automobile Insurance 1.0 Authority This regulation is adopted under the authority of 18 Del.C. 314 and 2741; 21 Del.C. 2118(o), and adopted in cooperation with the

More information

Mobile Telephone Policy

Mobile Telephone Policy Mobile Telephone Policy 1. Introduction The purpose of this policy is to: (i) (ii) facilitate the effective management of Council mobile telephone utilisation specify guidelines for the appropriate use

More information

Not Protectively marked

Not Protectively marked Policy: Removal, Storage & Disposal of Vehicles Policy Approved date: Version 1-07/07/09 Version 2 (Review) 24/04/12 Version 3 Update 12/08/12 Owner: Ch Superintendent, Territorial Policing For release

More information

Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana.

Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana. 2015 Regular Session SENATE BILL NO. 172 BY SENATOR MORRISH Prefiled pursuant to Article III, Section 2(A)(4)(b)(i) of the Constitution of Louisiana. LIABILITY INSURANCE. Provide with respect to the Transportation

More information

Criminal Proceedings and Regulatory Proceedings Within and Outside the UK

Criminal Proceedings and Regulatory Proceedings Within and Outside the UK Council 15 September 2004 7b To consider Criminal Proceedings and Regulatory Proceedings Within and Outside the UK Issue 1. Whether doctors should be required to report to the GMC when they are the subject

More information

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information Motor Fleet Policy Summary Motor Fleet insurance is for companies, sole traders or partnerships operating a fleet of 3 to 25 vehicles comprising of cars and commercial vehicles used for the business of

More information

Motor Insurance Database Policyholder Guide Background Information

Motor Insurance Database Policyholder Guide Background Information Policyholder Guide - Background Information Motor Insurance Database Policyholder Guide Background Information The latest version of this document can be found on the MIIC website at www.miic.org.uk/fleet/policyholder_guides.htm

More information

Policy Summary. Keep this wording safe.

Policy Summary. Keep this wording safe. Policy Summary Keep this wording safe. Covéa Insurance Private Car This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your

More information

fleetshield proposal form

fleetshield proposal form fleetshield proposal form FOR OFFICE USE ONLY: Policy.: Authorised: Agency: Broker/Agent: Quote Ref.: premium: A full policy wording is available on request Important: It is an offence under the ROAD TRAFFIC

More information

Fleet Policy. Version Number: 2 Controlled Document Director of Corporate Affairs

Fleet Policy. Version Number: 2 Controlled Document Director of Corporate Affairs Fleet Policy CONTROLLED DOCUMENT CATEGORY: CLASSIFICATION: PURPOSE: This Document supports: Controlled Document Number: Policy Governance To set out the principles for the management of the Trust Fleet

More information

FREQUENTLY ASKED QUESTIONS Ministry of Forests, Lands and Natural Resource Operations Off-Road Vehicle Act and Regulations

FREQUENTLY ASKED QUESTIONS Ministry of Forests, Lands and Natural Resource Operations Off-Road Vehicle Act and Regulations Oct. 15, 2015 FREQUENTLY ASKED QUESTIONS Ministry of Forests, Lands and Natural Resource Operations Off-Road Vehicle Act and Regulations What is an off-road vehicle? An off-road vehicle (ORV) includes

More information

Driver Card. Driver Helpline. Your. Your

Driver Card. Driver Helpline. Your. Your Your Driver Card Dispatched before the delivery of the new vehicle, the driver card features a helpline number, your customer identification number (where applicable) and details of any additional service

More information

Motor Insurers Bureau Making a claim

Motor Insurers Bureau Making a claim Motor Insurers Bureau Making a claim A brief guide This booklet This booklet gives important information about the Motor Insurers Bureau (MIB) and making a claim. Please read it carefully before you fill

More information

1 SB155 2 163895-1. 3 By Senator Brewbaker (N & P) 4 RFD: Local Legislation. 5 First Read: 05-MAR-15. Page 0

1 SB155 2 163895-1. 3 By Senator Brewbaker (N & P) 4 RFD: Local Legislation. 5 First Read: 05-MAR-15. Page 0 1 SB155 2 163895-1 3 By Senator Brewbaker (N & P) 4 RFD: Local Legislation 5 First Read: 05-MAR-15 Page 0 1 163895-1:n:01/05/2015:LLR/tj LRS2014-3787 2 3 4 5 6 7 8 9 A BILL 10 TO BE ENTITLED 11 AN ACT

More information

Explanatory Notes to Criminal Justice And Court Services Act

Explanatory Notes to Criminal Justice And Court Services Act Explanatory Notes to Criminal Justice And Court Services Act 2000 Chapter 43 Crown Copyright 2000 Explanatory Notes to Acts of the UK Parliament are subject to Crown Copyright protection. They may be reproduced

More information

Roads Policing and Criminal Justice Practitioner Toolkit Version 1.0 Summary

Roads Policing and Criminal Justice Practitioner Toolkit Version 1.0 Summary Freedom of Information Act Publication Scheme Protective Marking Not Protectively Marked Publication Scheme Y/N Yes Title Roads Policing and Criminal Justice Practitioner Toolkit Version 1.0 Summary The

More information

Private Parking Areas Act 1986

Private Parking Areas Act 1986 Version: 1.7.2011 South Australia Private Parking Areas Act 1986 An Act to regulate, restrict or prohibit the use by the public of private access roads, private walkways, and private parking areas; to

More information

Allianz Insurance plc. Small Fleet. Information including Policy Summary (pages 1-3) and Proposal Form (pages 5-6)

Allianz Insurance plc. Small Fleet. Information including Policy Summary (pages 1-3) and Proposal Form (pages 5-6) Allianz Insurance plc Small Fleet Information including Policy Summary (pages 1-3) and Proposal Form (pages 5-6) Introduction Thank you for choosing Allianz Insurance plc. We are one of the largest general

More information

Dog Law Northern Ireland

Dog Law Northern Ireland DOG LAW NORTHERN IRELAND This information is intended as a guide and is not to be taken as legal advice. If you have a specific query, you should take advice from a specialist Solicitor or contact your

More information

Debenhams. Terms of Business. www.debenhamscarinsurance.co.uk

Debenhams. Terms of Business. www.debenhamscarinsurance.co.uk Terms of Business Debenhams Terms of Business www.debenhamscarinsurance.co.uk Accepting our Terms of Business By asking us to quote for, arrange or handle your insurances, you are providing your informed

More information

INFORMATION REQUIRED FOR EMPLOYEE HANDBOOK

INFORMATION REQUIRED FOR EMPLOYEE HANDBOOK INFORMATION REQUIRED FOR EMPLOYEE HANDBOOK Registered Company Name Company Trading Name Address Email Address Contact number We have enclosed a standard employee handbook. You should read through the details

More information

MOTOR FLEET PROPOSAL FORM

MOTOR FLEET PROPOSAL FORM MOTOR FLEET PROPOSAL FORM One Coval Wells Chelmsford Essex CM1 1WZ Tel: 01245 272700 Fax: 01245 272701 QBE European Operations is a trading name of QBE Insurance (Europe) Limited, no. 01761561 ( QIEL ),

More information

Frequently Asked Questions by Employees. Fuel Efficient Car Lease Scheme. An employee benefit offered by the University of Birmingham

Frequently Asked Questions by Employees. Fuel Efficient Car Lease Scheme. An employee benefit offered by the University of Birmingham Frequently Asked Questions by Employees Fuel Efficient Car Lease Scheme An employee benefit offered by the University of Birmingham If you have any further questions or would prefer to talk to someone,

More information

Road Transport (Drink Driving) Legislation Amendment Bill 2010

Road Transport (Drink Driving) Legislation Amendment Bill 2010 00 THE LEGISLATIVE ASSEMBLY FOR THE AUSTRALIAN CAPITAL TERRITORY (As presented) (Minister for Transport) Road Transport (Drink Driving) Legislation Amendment Contents Page Part Preliminary Name of Act

More information

removal of without tax

removal of without tax INF32 Wheelclamping and vehicles removal of without tax 8/08 Wheelclamping of vehicles without tax Why has your vehicle been clamped or removed? Every vehicle registered in the UK must be taxed if used

More information

Legislation and Enforcement

Legislation and Enforcement Legislation and Enforcement Legislation and Enforcement INTRODUCTION 6.1 To cultivate a considerate and responsible driving culture, enforcement and public education have to go hand-in-hand. Apart from

More information

A consultation on changes to the treatment of penalties for careless driving and other motoring offences

A consultation on changes to the treatment of penalties for careless driving and other motoring offences A consultation on changes to the treatment of penalties for careless driving and other motoring offences DfT-2012-25 The information or guidance in this document (including third party information, products

More information

ASSEMBLY BILL No. 335

ASSEMBLY BILL No. 335 AMENDED IN ASSEMBLY JANUARY 6, 2014 california legislature 2013 14 regular session ASSEMBLY BILL No. 335 Introduced by Assembly Member Brown February 13, 2013 An act to amend Section 14602.6 of the Vehicle

More information

Release of information from DVLA s registers

Release of information from DVLA s registers Release of information from DVLA s registers INF266 5/15 DVLA manages a vast amount of data to help keep Britain s motorists moving safely and legally. In addition to providing information to the police

More information

Contesting a speeding ticket

Contesting a speeding ticket Contesting a speeding ticket If a driver wishes to contest a speeding charge they must complete and return the Section 172 notice (or, notice of intended prosecution) within 28 days. Even if the driver

More information

Queensland Taxi Security Camera Program Changes

Queensland Taxi Security Camera Program Changes Queensland Taxi Security Camera Program Changes Frequently Asked Questions GENERAL INFORMATION 1. What is the taxi security camera program? It is a program administered by the Department of Transport and

More information

MyLicence. Business Process Guide. Version 3.0 July 2014 ABI.ORG.UK. PAGE 1 of 56

MyLicence. Business Process Guide. Version 3.0 July 2014 ABI.ORG.UK. PAGE 1 of 56 MyLicence Business Process Guide Version 3.0 July 2014 PAGE 1 of 56 INTRODUCTION Background The MyLicence programme (formerly known as the Insurance Industry Access to Driver Data or IIADD programme) will

More information

CAR INSURANCE MADE SIMPLE

CAR INSURANCE MADE SIMPLE CAR INSURANCE MADE SIMPLE Working with the profession to simplify the language of insurance WHAT IS CAR INSURANCE? Car insurance, also called motor insurance, protects you if you are involved in a collision

More information

QUESTIONS AND ANSWERS Off-Road Vehicle Act

QUESTIONS AND ANSWERS Off-Road Vehicle Act QUESTIONS AND ANSWERS Off-Road Vehicle Act Is the Off Road Vehicle Act now the law? The ORV Act is being implemented in stages, starting on November 17, 2014 with voluntary registration. June 1, 2015 is

More information

WA Food Regulation: Temporary and Mobile Food Businesses

WA Food Regulation: Temporary and Mobile Food Businesses WA Food Regulation: Temporary and Mobile Food Businesses This document contains information on the application of the Food Act 2008 (the Act) in relation to temporary and mobile food businesses. It is

More information

Automatic Number Plate Recognition (ANPR) Factsheet April 2016

Automatic Number Plate Recognition (ANPR) Factsheet April 2016 Automatic Number Plate Recognition (ANPR) Factsheet April 2016 What is ANPR and how does it work? ANPR consist of a camera that is linked to a computer. When a vehicle passes by the camera the camera records

More information

A GUIDE TO SUSPENSION & REVOCATION OF DRIVING PRIVILEGES IN NEW YORK STATE

A GUIDE TO SUSPENSION & REVOCATION OF DRIVING PRIVILEGES IN NEW YORK STATE DEFINITIONS sus.pen.sion n 1: Your license, permit, or privilege to drive is taken away for a period of time before it is returned. You may be required to pay a suspension termination fee. re.vo.ca.tion

More information

DRINK DRIVING AND THE LAW

DRINK DRIVING AND THE LAW This information is general and not a substitute for legal advice. The Legal Services Commission provides free advice for most legal problems. Contact the Legal Helpline 1300 366 424 (TTY 8463 3691) www.lsc.sa.gov.au

More information

This is a lifelong commitment...

This is a lifelong commitment... This is a lifelong commitment... Our Business Oper ations ENSURING EMPLOYERS AND SCHEME MEMBERS COMPLIANCE OVERVIEW Our role Ensure that employers, employees and self-employed persons covered by the MPF

More information

Uninsured Motorists: Basic Questions and Answers

Uninsured Motorists: Basic Questions and Answers Uninsured Motorists: Basic Questions and Answers What does uninsured mean when speaking of uninsured motorists? Kansas law requires that a vehicle operated on state highways be insured. Criteria differ

More information

ATV & Off Road Motorcycle Regulations

ATV & Off Road Motorcycle Regulations ATV & OFF ROAD MOTORCYCLE REGULATIONS PUBLISHED BY AUTHORITY The following Regulations have been made by the Town Council of Happy Valley-Goose Bay under Section 414 (2)(s) of the Municipalities Act, Chapter

More information

Introduction to Notice Processing and Information Management. Assessment criteria. The learner can:

Introduction to Notice Processing and Information Management. Assessment criteria. The learner can: Title: Introduction to Notice Processing and Information Management Level: 2 Credit value: 2 GLH 16 Learning outcomes Assessment criteria The learner will: 1. Understand the roles of key organisations

More information

COLLEAGUE CARS FAQ S. What are the benefits of Colleague Cars? What is included in the package? How much can I save?

COLLEAGUE CARS FAQ S. What are the benefits of Colleague Cars? What is included in the package? How much can I save? What are the benefits of Colleague Cars? What is included in the package? How much can I save? COLLEAGUE CARS FAQ S Can I arrange to test drive a car? What makes and models are available? A brief insight

More information

Motorcycle Policy Summary and Important Information

Motorcycle Policy Summary and Important Information Motorcycle Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It is

More information

1.8 Organisation details. Name

1.8 Organisation details. Name Claim form Please read our booklet Guide to making a Motor Insurers Bureau claim before you fill in this form. The booklet gives information about the MIB and how we deal with claims. l Please complete

More information

Consultation Document. Proposed changes to the London Congestion Charge Scheme. Response from:

Consultation Document. Proposed changes to the London Congestion Charge Scheme. Response from: Consultation Document Proposed changes to the London Congestion Charge Scheme Response from: British Vehicle Rental and Leasing Association River Lodge Badminton Court Amersham BUCKS HP7 0DD Tel: +44 1494

More information

London Borough of Brent Joint Regulatory Services ENFORCEMENT POLICY

London Borough of Brent Joint Regulatory Services ENFORCEMENT POLICY London Borough of Brent Joint Regulatory Services ENFORCEMENT POLICY Date of implementation: 01/11/05 Issue No:01 Issued by: Stephen Moore Executive approval: 12/09/2005 INTRODUCTION 1. This document sets

More information

Consultation Paper 1.5. Mandatory Third Party Liability Insurance for Road Vehicles

Consultation Paper 1.5. Mandatory Third Party Liability Insurance for Road Vehicles Consultation Paper 1.5 Mandatory Third Party Liability Insurance for Road Vehicles Executive Summary There are invariably two or more parties involved in any road accident - the vehicle at fault (offending

More information

The Audi Fleet Manager s Guide to the web July 2012

The Audi Fleet Manager s Guide to the web July 2012 The Audi Fleet Manager s Guide to the web July 2012 Audi Fleet supports Business The internet has become integral to all our working lives and it provides a wealth of information for the fleet manager.

More information

Who benefits from the Rehabilitation of Offenders Act and how?

Who benefits from the Rehabilitation of Offenders Act and how? What is the Rehabilitation of Offenders Act 1974? The Rehabilitation of Offenders Act 1974 exists to support the rehabilitation into employment of reformed offenders who have stayed on the right side of

More information

SPECIAL ANNOUNCEMENT

SPECIAL ANNOUNCEMENT SPECIAL ANNOUNCEMENT Vehicle registration and licensing Expanded definition of ORVs: ORV laws apply to a wide range of vehicles operated on Crown land and other public lands. ORVs are used for work, leisure

More information