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NitroNutter · 30-09-2005, 17:25

What really gets me is theres been an easy way to administer MOT/Insurance and road fund licence yet how ever many governments have been in power since the introduction of these requirements not one of them has thought how to combat the problem in a clear and concise way.

Today you can get a dodgy MOT pretty easy, you can go buy an insurance policy 3rd party only basic cover saying you only do 2000-3000 miles a year, and there by the monthly premiums are cheaper, you pay the first payment usually mounting to about 2 months, get your Tax disc and now it appears your all legal.

And thats the ones who arent blatantly driving around with nothing.

The way to do this so reducing who is getting away with either is pretty simple. And even easier today if theres now a national MOT database.

Abolish road fund licence as we know it.
Add a 1p per litre to cover a portion of the lost licence,
add a few % to the Vehicle insurance premium Tax to ensure the government break even.
Insurance cannot be obtained without the vehicle having a valid MOT in the database, the underwriters would have access to that database. The underwriters then send out an Insurance disc similar to the Tax disc of today, if the 12 months are paid up front then the disc covers that, if the premium is paid by DD then a maximum of a quartely Insurance disc is automatically sent out as and when required. As the MOT database will also have milage details no milage tricks can be pulled either.
An underwriter has to be government approved anyway so have as much credibility as a post office
This is now a fair Tax as those who drive less pay less by the fuel and reduced milage insurance, but obviously pay some more if they have a higher grouped car for insurance.

30-09-2005, 17:25	#30
NitroNutter Inactive Join Date: Feb 2004 Location: <-- Not All there ? Knock Knock Services: You cannot afford me!!! Posts: 1,139	Re: Uninsured drivers face crackdown What really gets me is theres been an easy way to administer MOT/Insurance and road fund licence yet how ever many governments have been in power since the introduction of these requirements not one of them has thought how to combat the problem in a clear and concise way. Today you can get a dodgy MOT pretty easy, you can go buy an insurance policy 3rd party only basic cover saying you only do 2000-3000 miles a year, and there by the monthly premiums are cheaper, you pay the first payment usually mounting to about 2 months, get your Tax disc and now it appears your all legal. And thats the ones who arent blatantly driving around with nothing. The way to do this so reducing who is getting away with either is pretty simple. And even easier today if theres now a national MOT database. Abolish road fund licence as we know it. Add a 1p per litre to cover a portion of the lost licence, add a few % to the Vehicle insurance premium Tax to ensure the government break even. Insurance cannot be obtained without the vehicle having a valid MOT in the database, the underwriters would have access to that database. The underwriters then send out an Insurance disc similar to the Tax disc of today, if the 12 months are paid up front then the disc covers that, if the premium is paid by DD then a maximum of a quartely Insurance disc is automatically sent out as and when required. As the MOT database will also have milage details no milage tricks can be pulled either. An underwriter has to be government approved anyway so have as much credibility as a post office This is now a fair Tax as those who drive less pay less by the fuel and reduced milage insurance, but obviously pay some more if they have a higher grouped car for insurance.