Insurance

Question 1

What is the offence in regards to insurance certificates?

Answer 1

A person must not…

• drive a motor vehicle on a road or public place unless there is in force a policy of insurance
• cause or permit another person to drive a motor vehicle on a road or public place unless there is in force a police of insurance
• an insurer must deliver a certificate of insurance to the recipe t and should the vehicle be driven before this the offence will be complete
• an “Agency” can receive the certificate on your behalf before coming to you so this is sufficient to bypass the offence
• if someone lends their vehicle with a strict condition to insure it first they are NOT permitting

Question 2

What are the defences to driving without insurance?

Answer 2

That a person…

• was using the vehicle in the course of their employment
• that he did not know and had no reason to believe it was not insured
• the vehicle did not belong to him or was under a hire or loan contract
• a drivers employer must support the notion that the suspect was acting in the course of their employment. The suspects own account is not enough
• garage employees returning a vehicle are not in the employ of the owner
• an employee driving a vehicle in an unauthorised manor will not invalidate the insurance
• an insurance police obtained by deception will still be valid until it is voided

Question 3

What is the difference between social and domestic purposes?

Answer 3

Social includes…

• lending a vehicle to a friend in exchange for reimbursement of fuel costs
• using a vehicle to help a friend move home

… it does not include…

• business trips
• using the vehicle outside of an employer’s terms will not necessarily invalidate a policy; an employee who went 2hrs out of the way to give someone a lift did not

Question 4

What information must the MIIC disclose?

Answer 4

• vehicle VRM
• make and model
• date on which the vehicle ceased to have insurance