Uninsured drivers are a major problem on Britain’s roads.  The Independent reports that uninsured drivers cost the industry £500m a year while according to the Motor Insurers’ Bureau, covering the cost of accidents involving an uninsured driver adds an average £30 to the cost of a motor insurance policy.

In 2011, new rules came into force which made it illegal to own a vehicle without it being insured.  So, keep reading to learn more about the ‘continuous insurance enforcement’ scheme and why it means you have to have the right minibus insurance.

The new minibus insurance rules

In June 2012, a new law called Continuous Insurance Enforcement made it illegal to own a vehicle without it being insured.  If you own a minibus it is now law that you must have it insured at all times.  If you fail to buy minibus insurance or you forget to take it out, you will now be committing an offence.

The only exceptions to the new law are vehicles that are registered with the DVLA as having been declared off the road.  A SORN (Statutory Off Road Notification) declaration must have been completed for your minibus to be exempt.

While minibus insurance cover has always been a legal requirement, you now cannot afford to let your existing cover lapse.  So, you must take action to make sure your vehicle is continuously insured.

This means it is more important for you to shop around for minibus insurance before your existing policy expires.  If you don’t, you may be forced to renew your cover with your existing minibus insurance provider which may not be your cheapest option.

If you don’t have the correct minibus insurance, there are significant penalties, as we see next.

What are the penalties for not having minibus insurance?

The continuous insurance enforcement scheme includes a new fixed penalty for people who ignore official reminders that their minibus insurance has expired.  If you haven’t declared your vehicle is off the road through SORN (Statutory Off Road Notification) and it is not insured, you face a fine.

Vehicle owners without insurance will be given a £100 fine and if your vehicle remains uninsured you will face court action and a further fine of up to £1,000.

Continuing offenders will risk having their vehicle seized and destroyed.

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