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[omegod]

I assume people are aware of this link where you can check any reg number to see if it's insured! you know, the horrible neighbour, pleb in work , kn*b down the pub etc etc

http://www.askmid.com/ownvehicle/

wouldn't it be awful for them to get their car seized for driving without insurance!

I had a bad day but feel better now

[Welung666]

If you use that link for someone elses vehicle YOU are breaking the law aswell! You tick the box to confirm YOU are the owner of that vehicle. Read the small print

[STMO123]

If you use that link for someone elses vehicle YOU are breaking the law aswell! You tick the box to confirm YOU are the owner of that vehicle. Read the small print

OK officer. Slap the bracelets on. I'll come quiet like.

[Lizzie_Zoom]

Wow!!  That's a great tool!

[STMO123]

Wow!!  That's a great tool!

LIZZIE!! You've embarassed me now

[omegod]

If you use that link for someone elses vehicle YOU are breaking the law aswell! You tick the box to confirm YOU are the owner of that vehicle. Read the small print

It's ok, im on the pleb in works computer

[Lizzie_Zoom]

Wow!!  That's a great tool!

LIZZIE!! You've embarassed me now :-[

 

I think though to do that to you, a man of the world, would be very difficult!

[Omega man 2]

Mine came up as not insured.

Not surprised though as it was taken out of the uk nearly a year ago

[Welung666]

If you use that link for someone elses vehicle YOU are breaking the law aswell! You tick the box to confirm YOU are the owner of that vehicle. Read the small print

OK officer. Slap the bracelets on. I'll come quiet like.

I would but I know you'd enjoy it Steve

[KillerWatt]

wouldn't it be awful for them to get their car seized for driving without insurance!

The askmid site is just an indicator, it doesn't mean $hit in the real world and never will.
The reason it is worthless is quite simple, it's the driver who needs to be insured....not the vehicle.

[El33t]

The reason it is worthless is quite simple, it's the driver who needs to be insured....not the vehicle.

The driver needs to be insured on that specific vehicle. You cannot drive a Ferrari with insurance for a Fiesta and say "but I'm the driver, and I'm insured!", and expect to get away with it.

If you see a car being driven on the public road, and the driver does not have insurance to drive that car, then they will get trouble from the law, as they are driving without valid insurance.

Of course, you can get comprehensive cover, which covers you third party if you drive your mate's car, up to a point. This is effectively insuring you on any car that you drive with the owner's strict permission.

Can't do that if you're under 25 anyway! Makes sense, to stop young 'uns like me getting their hands on their dad's 200bhp RWD barge...oh wait  .

[KillerWatt]

You're first and third paragraphs are contradicting each other.

The database is simply an indicator, and it tells you that itself.

The database does not know who is behind the wheel.
The database does not know if it is a hire car.
The database does not know if it is a trade car.

Even English law states it is the driver who needs to be covered against a minimum of 3rd party risks, it makes no mention of the vehicle and never has.

The database is a good idea, and for the most part works.
However it is not infallible, and does even the police do not assume automatic guilt if the computer tells them the car has no insurance.

[Andy B]

......
The reason it is worthless is quite simple, it's the driver who needs to be insured....not the vehicle.

While I know what you're trying to say, I can't see how that can be completely true. eg A mate of mine had never had his own car for years, so therefore never had a policy out in his own name. However his two jobs both entailed driving, delivery van & taxi driver. Both vehicles could have been driven by anyone! I know that in the past, my Dad has had insurance for his car that was for 'any driver'  

[KillerWatt]

While I know what you're trying to say, I can't see how that can be completely true.

Let's say you have a car and you park it up on your drive because the insurance that you had for it has lapsed. Now at this point, the insurance database will (quite correctly) report that there is not a policy in force which makes mention of that particular vehicle.

Now I come along ( with a policy that lets me drive anything), and say "Lend us ya motor for the day Andy".
Providing I have your permission, your car has every right to be back on the public highway while it is in "my custody & keeping".

[El33t]

You're first and third paragraphs are contradicting each other.

Well, yes and no. You can get fully comprehensive insurance, but if I got third party insurance on a Ford Fiesta, then I assume that I am only covered to drive the Ford Fiesta I got insurance for, which would indicate the car is insured to be driven, by me.

I will concede the point about the database, as I do not know exactly how it works. I assumed it trawled through insurance company databases to see if the details matched. Thinking about it, I doubt it could have every single insurance company in there!