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Changes to car insurance rules could make it illegal to not have breakdown cover

Changes to car insurance rules could make it illegal to not have breakdown cover

Under proposed changes to car insurance legislation, it would become illegal to not have breakdown car insurance cover in place on your vehicle. At present, it’s considered illegal to keep a vehicle with valid motor insurance, however there are no rules on breakdown insurance. The new proposals put forward by the coalition government would change the current system by making it a legal requirement to hold a valid breakdown insurance policy on a motor vehicle. The British Insurance Brokers Association has welcomed the news as they believe it will encourage a responsibility culture amongst UK motorists and also create a “fairer system” for honest and conscientious drivers. The penalties for being caught in possession of a car without a valid breakdown insurance policy have not yet been specified. The change would come under the Continuous Insurance Enforcement (CIE) regulations, legislation which the BIBA have been fighting for since 2004. As well as changing the law on breakdown cover, the CIE regulations are also considering a change to the rules on uninsured drivers which would mean a car owner could be charged for simply owning a vehicle without adequate car insurance, whereas currently, the driver must be caught behind the wheel of the illegal vehicle for police to be able to take action.

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