Car insurance and the law


UK law states that anyone who uses a vehicle on a public road must be covered by an adequate insurance policy against third party risks. It is always wise to seek proper legal advice if you intend to use any type of vehicle on a public road in todays litigatious society.

Anyone caught driving a car without insurance could mean anything from a fixed penalty notice of £100 to prosecution and £1000 fine.

Uninsured drivers cost motorists millions of pounds every year adding up to £30 to the cost of every motor insurance policy purchased in the UK. This added cost is used in conjunction with funding from all motor insurers to support the Motor Insurers' Bureau.

The Motor Insurers' Bureau (MIB) is a body funded by all insurers to help motorists receive compensation if they should be unlucky enough to be the victim of an accident with an uninsured driver.

The MIB can also help motorists that have been involved in accidents where the at-fault driver has failed to stop and the vehicle has not been able to be traced.


How do the police detect uninsured drivers?

Many road traffic police vehicles are fitted with a system known as Automatic Number Plate Recognition (ANPR). This system uses a video camera to capture an image of the vehicle number plate and instantly compare the registration against the Motor Insurance Database to see if the vehicle has a current valid insurance policy. If the police suspect that a vehicle is uninsured, they have the power to stop you.

ANPR systems can be used in both mobile and fixed locations.


Do I still need insurance if I don't use my car?

If your vehicle is not being used you must declare this fact by notifying the DVLA using a Statutory Off Road Notification (SORN) form. If you have not made a SORN declaration and you do not have any insurance for your vehicle you could face a fine, even if the vehicle is not on the road.


I have sold my car to someone else, what do I do?

If you have sold your vehicle you must notify the DVLA that you are no longer the registered keeper of the vehicle as soon as possible.

If you have had a car accident and would like some free help and advice please call us on 02392 484 244 and one of our UK based advisors will be happy to help.


No need to claim on your insurance

Anyone who has been involved in a road accident has the right to choose who repairs their vehicle. If you were responsible for the accident you were involved in, the company that insures your vehicle would normally deal with your accident claim.

However if you were not at-fault for the accident, you can choose to either claim on your own insurance policy or make a claim independently of your insurer. To find out more call 02392 484 244 and we will be happy to help.

We and our partners help thousands of people make independent accident claims. Our service enables motorists to get the help and assistance they need to resolve their accident related issues, with the costs being recovered directly from the at-fault driver on your behalf.

No excess to pay

Unfortunately even if an accident was not your fault, your insurer will almost certainly require you to pay your excess before any repair is started on your car.

This money should of course be recovered by an insurer at a later date, but with our service - you do not have to pay it at all.

By using our independent claims service, you are not making a claim on your insurance policy and so you will have no excess to pay.

Receive a like-for-like replacement hire vehicle

Not all insurance policies will include a replacement hire-car for you to use if yours is damaged and unroadworthy. In fact it is typically an 'optional extra' on your policy.

Other policies may offer a 'courtesy car' but this is often just a 'basic' saloon or hatchback which may not be suitable for your needs.

Car Call and its partners will provide a like-for-like replacement vehicle as part of our service. This means we will endeavour to supply a hire-vehicle that similar to your own in terms of its type, make and engine size.

So whether you drive a small hatchback or a prestige sports car, we will look to provide a similar hire-vehicle that suits your needs.

Manufacturer approved vehicle repairs

If you have been involved in a car accident, the last thing you want to have to worry about is the quality of the repairs to your car. We have a UK wide network of partner approved Accident Repair Centres available to all of our customers.

Many of our accident repair centres are have manufacturer approvals for specific brands, so if you require a manufacturer approved repair centre, simply tell your personal claim handler and they will ensure your vehicle goes to an approved repairer.

Want you vehicle repaired by a specific garage? No problem, we can alternatively use a repairer that you specify.

Legal Assistance

Our partner solicitors provide legal assistance as part of our service. They specialise in motor claims related issues, so you can be assured of the best possible advice and assistance.

They issues they can assist you with include:

  • Recovery of the cost of the replacement hire-vehicle
  • Recovery of the cost of uplifting your damaged vehicle
  • Recovery of all repair costs
  • Recovery of the cost of damaged of personal items
  • Seeking financial compensation for an injury