Car insurance news roundup: week ended 17 oct 2012:
It will be a total absurdity to allow drivers to purchase a tax disc without producing their motor car insurance certificate, according to the AA.
The motoring organisation was positively up in arms this week after it was revealed that the Government is proposing to use driver insurance databases instead of an actual certificate in order to check that motorists have valid insurance cover when it comes time to get their tax disc. The AA said that such a programme would result in a marked rise in the number of individuals getting behind the wheel without the proper cover either through oversight or deliberately.
The motoring organisation issued the warning after it was revealed that more and more younger motorists could be playing fast and loose with the rules in order to bypass high car insurance rates. A research study found that 3 out of every 10 younger drivers have considered falsifying information when they apply for cover in order to get a better, more reasonably priced insurance quote.
According to the Government, the Motor Insurance Database compares records with the Driver and Vehicle Licensing Agency on a regular basis in order to find vehicles that are lacking proper insurance cover. It’s no longer necessary to prove you have insurance by presenting a physical certificate, the Government added, when it comes time to purchasing a tax disc, as the database is ostensibly more accurate.
The plans are just one of the ways the Government is looking to eliminate red tape, according to Roads Minister Stephen Hammond, who added that the benefits of requiring drivers to prove the fact that they have insurance at the time of the purchase of a tax disc are now nonexistent thanks to these regular insurance database checks, and that the entire process will save money, time, and sanity.
However, this could send the wrong message to drivers concerning insurance, warned the AA. While there are less uninsured vehicles being driven than before thanks to continuous enforcement laws, moving forward on these new proposals could reverse this trend, it cautioned.