Dear Mr Jenkins
Thank you for your email regarding the newly introduced Continuous Insurance enforcement.
The Government has decided to introduce Continuous Insurance Enforcement (CIE) because the UK has one of the highest rates of insurance evasion in Western Europe with approximately 1.4million uninsured vehicles in the UK that research shows are also more likely to be involved in motoring offences. Last year the Motor Industry paid out approximately £500 million on claims relating to uninsured driving. This cost is passed onto the general compliant motoring public through increased insurance premiums. It is estimated to increase the average cost of a motor insurance premium by around £30.
In July 2004 the Government published the Greenway Report on “Uninsured Driving in the United Kingdom”. One of the recommendations of the report was to introduce a record-based compliance and enforcement regime for uninsured vehicles. As a result of this report a consultation paper was issued by the Department of Transport (DfT) in January 2009. The consultation closed on 16th April 2009 and results were published in September 2009 and are available on the DfT website
Department for Transport - Department for Transport Consultations, List of Archived Consultations 2009.
Therefore, CIE is a new and additional compliance and enforcement approach to reducing the level of uninsured driving and reduce the financial burden on the compliant motoring public.
Section 22 of the Road Safety Act 2006 amends the Road Traffic Act 1988 by introducing a new offence of keeping a vehicle with no insurance (under Section 144A of the Road Traffic Act 1988). Section 144A of the Road Traffic Act 1988 makes it an offence for a registered keeper of a vehicle to keep that vehicle without meeting the insurance requirements of the 1988 Act. The Motor Vehicles (Insurance Requirements) Regulations 2010 which commences these powers came into force on 4th February 2011.
CIE will identify and target un-insured vehicles and will require the registered keeper to keep their vehicle licensed and insured at all times, or submit a Statutory Off Road Notification (SORN).
Although your scenario will be common to other vehicle keepers, the options which are available to you are:
- Keep your third vehicle taxed and insured at all times or
- SORN your vehicle and keep the insurance in force ready for when you need to tax your vehicle or
- SORN the vehicle and when you wish to use the vehicle, obtain insurance and tax for the vehicle for a minimum of six months. However, if you do license your vehicle and then make a SORN within 21 days, you will not qualify for or get a refund. Only after the 21 days can you apply for a refund and submit a SORN on a V14 form.
I am afraid I cannot give you a more positive reply, but as previously stated CIE is being introduced to combat the high number of uninsured vehicles and the only way to keep within the law will be to keep a vehicle licensed and insured at all times or to SORN the vehicle.
You will need to contact your insurance provider for any information regarding insurance cover for your vehicles.
I hope this answers your query. For further information please visit
Stay insured: new penalties for vehicles without motor insurance : Directgov - Motoring
Please do not reply to this email, for another other vehicles enquiries please submit a new query via the DVLA website.
Yours sincerely
Miss S-J Stephenson
CIE Operations Support
Enforcement Directorate
Driver and Vehicle Licensing Agency (DVLA)