> > Is your third party insurance associated with the vehicle rather than
> > the driver?
> >
>=20
> The insurance is associated with the vehicle BUT if the driver is not lic=
ensed
> or convicted of DIC it may be invalid. If registration or warrant of fitn=
ess
> (WOF) is ex[ired or absent it may invalidate insurance BUT I'd expect tha=
t if
> either had very recently expired and you were a good customer that the
> argument that you had not noticed would often work with decent insurance
> companies *. (The definition of decent is here recursive).

That is where NZ is different to the UK, where it is the driver that is ins=
ured. Took a little thinking around that you needed to have all possible dr=
ivers listed on the insurance for any of them to be valid, as distinct from=
 NZ where the vehicle owner can give any licensed driver permission and the=
y are covered.

>=20
> In this case I'd come back from overseas, and my wife was still away. I f=
ound
> that the registration on my wife's car (which was parked off road) had
> expired a few days prior and had re-registered by internet. Some days lat=
er
> the registration card had come by mail and I gave it to my son to insert =
in the
> car. There is a 'pouch' on the windscreen inner which the  card slides in=
to. (A
> system which invites theft of same).
>=20
> EITHER my son had slid the new card in behind the old one OR somebody els=
e
> had swapped them latterly - card was inserted a week or two prior to the
> event.

Same as in the UK. Difference in the UK is you don't display the MOT (NZ Wo=
F) which is done in NZ. That part is purely down to the computer system wor=
king. But having everything listed on the DVLA computer (vehicle tax status=
, MOT and insurance) makes online renewal of the tax easy.

However the UK is about to drop the requirement to display the Tax Disk (NZ=
 registration) and go to a completely computerised system. Don't know how t=
his will affect me when I go driving on the continent though.


--=20
Scanned by iCritical.

--=20
http://www.piclist.com/techref/piclist PIC/SX FAQ & list archive
View/change your membership options at
http://mailman.mit.edu/mailman/listinfo/piclist
.