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Archive for February, 2011

New Motor Insurance Law – How are you affected?

February 25th, 2011

The Continuous Insurance Enforcement (CIE) regulations were signed by Parliament on Friday 4th February 2011 and it is now an offence to be the registered keeper of a vehicle which may not be covered by insurance following a check against the Motor Insurance Database (MID), even if the vehicle is not driven on the road.

The DVLA and MIB are working in partnership to identify uninsured vehicles by comparing insurance and registered keeper records on their respective databases. Under CIE, the registered keeper of a vehicle will be responsible for ensuring that insurance is in place and will be contacted if the vehicle does not appear on the MID.  It is anticipated that the first letters will be issued around June 2011.

Upon receipt of an advisory letter, keepers will be asked  to:

  • update their DVLA record (if vehicle has been sold or transferred)
  • declare vehicle SORN (statutory off road notice)
  • buy insurance

If the vehicle is insured and does not appear on Motor Insurance Database accessible then the insurance provider should be contacted. Enforcement, in the form of a fine, will only follow if the keeper fails to comply with one of the above.

CIE does not apply in Northern Ireland. NI has a separate registration and licensing authority and they will make a decision whether or not to adopt CIE.

Vehicles are exempt from CIE, if

  • Vehicle has a valid SORN (Statutory off road notice)
  • Vehicle is exempted from SORN (as untaxed before 31/01/98 and has had no tax or SORN activity since)
  • Vehicle recorded as scrapped
  • Vehicle recorded as stolen and not recovered
  • Vehicle recorded as disposed to the trade
  • Vehicle recorded as disposed
  • Vehicle recorded as exported
  • Vehicle is owned by the crown, tax class (60)


Further information
Further details will be available at   The DVLA and MIB have also prepared a question and answer document . if you would like a copy of this please contact your usual  account executive on 0116 272 0770 or

December saw insurers handle more than 12,000 claims a day

February 14th, 2011

Insurers paid out £1.4bn in ‘big freeze’ insurance claims in the UK between 24 November and 31 December 2010, according to the ABI.   There were 467,000 claims for motor, home and business during the period:

  • 190,000 claims were for damage to homes and businesses (75% domestic; 25% commercial), costing £900m.
  • There were 278,000 motor insurance claims, costing £530m.
  • Property claims included 103,000 for burst pipe damage, costing £680m. This was up 35% on the amount paid out for burst pipes during the whole of the previous winter.
  • Northern Ireland suffered 6,400 burst pipe claims, worth £40m. In Scotland, 31,000 property damage claims cost £90m.

The ABI estimated that insurers dealt with more than 12,000 claims a day, at a cost of £38m, during the coldest December on record.

ABI director of general insurance and health Nick Starling said: “The big freeze highlighted that, when bad weather strikes, there is no substitute for insurance.”

For a FREE impartial review of your current business insurance needs,  please contact Richard Gibson on  0116 272 8821.

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