Forum Topic

There are two issues.The requirement for compulsory insurance.The need to enforce the law where such insurance is compulsory.There is no need for cyclists to carry insurance if you are hit by an uninsured cyclist then, largely, tough and you are reduced to the civil courts. If cyclists have insurance then great but I do doubt that those who flout the LAW about where they ride and having lights/ reflectors would be the ones that bother.Enforcement of the uninsured is becoming more effective. As I posted, over 100,000 (actually it was 141,000) cars were seized last year and over half were crushed (source ABI). The latest ABI figure puts the number of uninsured vehicle at 8.43%The law changed in 2011 and Continuous Insurance Enforcement (CIE) is now in place. This means that there is now a requirement for all vehicles (cycles, as usual excepted) to have ‘constant’ insurance save for vehicles that have been statutorily declared off-road (SORN) This even applies to a car kept in your garage unless SORN has been declared. This has allowed the DVLA, MIB and police to liaise (unbelievably the police have only recently been given unrestricted access to the MIB database) and proactively enforce the law.The nonsense however is that fixed penalty for no insurance is only £100, less than the full cost of a parking ticket, but it’s a start and the Metropolitan Police have declared ‘war’ on uninsured motorists with regular ‘blitzes’ (often at Ealing Common) as this often uncovers other criminality.Finally, the ‘Muppets’ are indeed close to home, riding on the pavements around my area.

Nigel Brooks ● 4947d