Bike written off - salvaged by insurer, now Failure to Insure :(

[Basil Bibi]

Hi,

 

Apologies if this is covered in other threads.

 

I had a bike accident on 7th June 2013 - my 50cc Vespa was written off - minor injuries - other party admitted liability.

 

My insurance stopped on 24th June 2013 - I obviously didn't renew.

 

Bike was salvaged by insurance company.

 

Two weeks ago I got a Failure To Insure notification - naturally I appealed.

 

Now am shocked to find my appeal was rejected and have a £100 fine.

 

What can I do?

 

Thanks in advance for any help & Happy New Year to all!

 

B

[unclebulgaria67]

What information did you send in for the appeal ? Did you send in confirmation of the write off from the Insurance company, which confirmed the date ?

 

I think you are being fined purely for an administration failure, which you are being held responsible for. I think DVLA expected you to contact them before 24th June 2013 or ASAP after that date to register the bike as SORN.

 

I think this is awful, but it is the way government have legislated so that DVLA can earn money from people.

 

Advice is to pay the £100, before it gets out of hand and this is taken further with bailiff costs added. It would not stop you taking your complaint further, perhaps by contacting your local MP about it. I think once you have appealed and lost, there is no easy process to remove the fine.

[Kiki1]

If the bike was reclaimed by the insurance company, then you no longer have the bike/scooter.

 

You haven't bought it back by any chance ?

[Tony P]

Some dates are missing from the jigsaw -

 

Date of accident - 7 June 2013

Date of Insurance expiry - 24 June 2013

Date Insurers agree Write Off -

Date V5C/3 (yellow tear off strip) sent to DVLA -

Date all remaining parts of V5C given to Insurer -

 

As an aside, when would/did the Road Fund (Tax) expire and was a repayment claimed by OP or was it just part of the wreck taken over by Insurers?

[Basil Bibi]

Thanks unclebulgaria67 - I think that is sagely advice, will do.

[Basil Bibi]

Kiki1 - Thanks for responding - No I didn't buy it back, it was beyond repair and there was an clause in the insurance which gave salvage rights to the insurance company so I thought nothing more of it.

[Basil Bibi]

Good and pertinent questions Tony P, thanks for responding. I did not do any of the paperwork. I did not realise the "seriousness" of the matter.