Has your car been impounded
because it's uninsured?
Impounded car insurance is a
specialist insurance product designed for motorists whose cars
have been seized by the police, since the driver was uninsured.
Under these circumstances most conventional insurance companies
will not offer insurance cover, which often results in the owner
been able to recover the car from the impound. This means that
it is eventually sold by the police or crushed up for scrap. If
this happens, the only get no compensation at all, and may even
be left with outstanding higher purchase commitments on a
vehicle that no longer exists!
To get your car back you will
need to produce:
1) Proof of ownership.
2) Your full driving licence.
3) An MOT certificate – or proof
of a test appointment of the date of collection.
4) A current insurance
5) Proof of your address – a
current utility bill is usually required
6) Sufficient cash to pay the
impound fees – credit card payments or cheques are not normally
What does it cost to get the
car out of a pound?
Firstly, there will be a fee
for the removal of your vehicle to the pound. This is typically
Secondly, there will be a
Penalty Charge Notice fee, which will depend upon exactly why
the car was seized. This varies from an absolute minimum of £30
to a maximum of £60.
Thirdly, there will be stowage
charge of approximately £40 per day.
If the car is not collected
within 14 days of seizure, it may be disposed of by the police
but you may still be liable to pay the above fees.
How long do I have to insure
There is a legal requirements
for the car to be insured for a minimum of 30 days. This means
that conventional short term car insurance, which can cover a
car for up to 28 days, will not be acceptable.
What type of impounded car
insurance is available?
There are 30 day policies
available, which are third-party only. This gives you the chance
to get your vehicle home and then you can apply for a yearly
policy in the normal way. Do bear in mind that you will have to
inform your insurer if you are facing a prosecution for driving
without insurance; some insurers may refuse cover in this case,
and you may find it better to go to a broker who specialises in
finding cover for those with convictions, rather than via a
price comparison site.