Impounded motorcycle
Discussion
Hi all , I’ve never posted before but thought I’d post and ask a question as I’m in a bit of a sticky situation.
Last Thursday I purchased a motorbike , a moped Suzuki 110cc and was planning to get my CBT license and then insurance. I decided to take a chance and ride it and guess what I was stopped by the police who flagged me up under their onboard computer. So I came clean and they impounded my bike and I got 6 points , fine etc. that’s all well and good as I deserved it and will never ever do that again.
The bike is now in the compound so I’ve fast tracked my CBT course for tomorrow ( I’ve been given only 7 days to collect before it’s sold by the police ) and taken out an insurance policy on the bike , it was already MOT’d too , and here’s the actual question.
The policy states the following :
“Use to secure the release of a motor vehicle, other than the vehicle identified above by its registration number, which has been seized by or on behalf of, any government or public authority, unless the effective date of the certificate pre-dates the date of the seizure”
It seems a bit complicated but does this policy allow me to collect the bike from the police pound ?
I’ve read other threads but there seems to be a question mark as to whether the policy is ok or not , has anyone had a similar experience and collected the bike using this policy ?
Last Thursday I purchased a motorbike , a moped Suzuki 110cc and was planning to get my CBT license and then insurance. I decided to take a chance and ride it and guess what I was stopped by the police who flagged me up under their onboard computer. So I came clean and they impounded my bike and I got 6 points , fine etc. that’s all well and good as I deserved it and will never ever do that again.
The bike is now in the compound so I’ve fast tracked my CBT course for tomorrow ( I’ve been given only 7 days to collect before it’s sold by the police ) and taken out an insurance policy on the bike , it was already MOT’d too , and here’s the actual question.
The policy states the following :
“Use to secure the release of a motor vehicle, other than the vehicle identified above by its registration number, which has been seized by or on behalf of, any government or public authority, unless the effective date of the certificate pre-dates the date of the seizure”
It seems a bit complicated but does this policy allow me to collect the bike from the police pound ?
I’ve read other threads but there seems to be a question mark as to whether the policy is ok or not , has anyone had a similar experience and collected the bike using this policy ?
SS427 Camaro said:
Get it recovered
??It's been seized for no insurance. It can't be "recovered" without a valid insurance policy in place.
OP - https://www.essex.police.uk/advice/advice-and-info...
Nickshangs said:
The policy states the following :
“Use to secure the release of a motor vehicle, other than the vehicle identified above by its registration number, which has been seized by or on behalf of, any government or public authority, unless the effective date of the certificate pre-dates the date of the seizure”
It seems a bit complicated but does this policy allow me to collect the bike from the police pound ?
The key words are "other than the vehicle identified above by it's registration mark". You can use it to release the bike that the policy actually covers. You can't use it to release any other bike, eg if the policy comes with driving other vehicles cover, you can't use it to collect a friend's bike that has been seized.“Use to secure the release of a motor vehicle, other than the vehicle identified above by its registration number, which has been seized by or on behalf of, any government or public authority, unless the effective date of the certificate pre-dates the date of the seizure”
It seems a bit complicated but does this policy allow me to collect the bike from the police pound ?
That said there have been a couple of threads where the staff at the pound seem to have claimed that a normal policy doesn't allow you to release a vehicle and that you need an expensive specialist policy. However your policy clearly does say that it covers the release of your vehicle.
Presumably you told the insurance company about the pending conviction/prosecution/fixed pregnancy for no insurance when you took the policy out?
That was pretty bad luck with a big consequence.
Anyway, does the policy say that the paragraph is what is allowed under the policy?
The policy states the following :
“Use to secure the release of a motor vehicle, other than the vehicle identified above by its registration number, which has been seized by or on behalf of, any government or public authority, unless the effective date of the certificate pre-dates the date of the seizure”In which case, it cannot be used to collect your bike, given the certificate date is after the seizure, despite the registration number matching.
I would suggest you speak to your insurance company - this must be a situation that has arisen before
Anyway, does the policy say that the paragraph is what is allowed under the policy?
Nickshangs said:
The policy states the following :
“Use to secure the release of a motor vehicle, other than the vehicle identified above by its registration number, which has been seized by or on behalf of, any government or public authority, unless the effective date of the certificate pre-dates the date of the seizure”
I would suggest you speak to your insurance company - this must be a situation that has arisen before
Aretnap said:
"...other than the vehicle identified above by its registration number."
Yes I’m hoping this is correct , that only the vehicle mentioned in the policy can be recovered and not any other vehicle. I’ve mentioned my pending conviction for 6 points to the insurance company, hence a whopping £1,650 for a 110cc scooter policy which would usually be around £350-500 So hoping I’m in the clear and learnt my lesson the hard way Edited by Nickshangs on Tuesday 13th May 07:24
Ian Geary said:
In which case, it cannot be used to collect your bike, given the certificate date is after the seizure, despite the registration number matching.
I would suggest you speak to your insurance company - this must be a situation that has arisen before
Again , I think that is still referring to the collection of a different vehicle than the one mentioned in the policy , that’s why I started this thread as it’s so confusing. I would suggest you speak to your insurance company - this must be a situation that has arisen before
Ian Geary said:
Anyway, does the policy say that the paragraph is what is allowed under the policy?
I'm assuming that it comes under a list of things that the policy does not cover. Obviously if it's under a list of things that it does cover that would change the interpretation, but it would be a bizarre policy that covered the release of other vehicles, but not the one that it was actually intended to insure.
king them, but that's quite extreme.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff