timofleeds Posted April 16, 2007 Share Posted April 16, 2007 HI there were some suggestions a while ago that fully comp insurance may be available for people importing from Germany due to rule changes amongst the insurance companies. I think these were to take effect sometime soon. Does anybody know if and when these changes will happen as I am due to collect my new unregistered motorhome from Germany early June and would like the best possible cover for my trip back to UK. Many thanks Tim Link to comment Share on other sites More sharing options...
Guest JudgeMental Posted April 16, 2007 Share Posted April 16, 2007 I think the changes discussed on here where due June? ask the dealer to put you on his insurance and then post him back the trade plates on your return. A word of warning, I brought my German built Eura Mobil camper back from Belgium dealer 3 weeks ago and have been delayed registration as DVLA require KPH speedo changed to MPH... Link to comment Share on other sites More sharing options...
Brian Kirby Posted April 16, 2007 Share Posted April 16, 2007 The change is supposed to come into effect on 1 June. It is still not yet clear quite how it will work. I suggest you ask your (potential) insurers what they are offering. The change will apply to personal imports into UK from anywhere within the rest of the EU, and not just from Germany. If you take Eddie's advice, you'll only have third party cover until you get to UK (assuming you have arranged fully comp UK insurance for when you arrive). Link to comment Share on other sites More sharing options...
Guest JudgeMental Posted April 16, 2007 Share Posted April 16, 2007 Brian Kirby - 2007-04-16 1:22 PM If you take Eddie's advice, you'll only have third party cover until you get to UK (assuming you have arranged fully comp UK insurance for when you arrive). I was put on Dealers company insurance and had his trade plates which I posted back - so was fully insured. So I did not need the temporary "export" plates which only come with 3rd party insurance. Link to comment Share on other sites More sharing options...
Brian Kirby Posted April 17, 2007 Share Posted April 17, 2007 JudgeMental - 2007-04-16 8:07 PM Brian Kirby - 2007-04-16 1:22 PM If you take Eddie's advice, you'll only have third party cover until you get to UK (assuming you have arranged fully comp UK insurance for when you arrive). I was put on Dealers company insurance and had his trade plates which I posted back - so was fully insured. So I did not need the temporary "export" plates which only come with 3rd party insurance. Sorry Eddie. My misunderstanding. I thought it was the temp "export" plates you were referring to. Link to comment Share on other sites More sharing options...
Guest JudgeMental Posted April 17, 2007 Share Posted April 17, 2007 understandable Brian, as I doubt that many dealers are good enough to do this. Original arangement was for "export plates" and 3rd party cover. was not to happy with this so then I arranged for dealer to drive me to Ostend ferry which was about 40 mins from him. But when I got to dealer he had arranged full cover which was much better and allowed me to head of to Brugge for the night. Link to comment Share on other sites More sharing options...
Brian Kirby Posted April 17, 2007 Share Posted April 17, 2007 EddieVery accommodating dealer, that. Deserves a credit. Who was it? Link to comment Share on other sites More sharing options...
Guest JudgeMental Posted April 17, 2007 Share Posted April 17, 2007 Lambrecht Motorhomes http://www.lambrechtmotorhomes.be/nl/startnl.htm Link to comment Share on other sites More sharing options...
fjmike Posted April 30, 2007 Share Posted April 30, 2007 Looks like the wheels of power are moving slowly on the insurance front see the uk consultation doc http://www.hm-treasury.gov.uk/media/0E8/DA/consult_fifthmotor_insurance_directive1.pdf Link to comment Share on other sites More sharing options...
Brian Kirby Posted April 30, 2007 Share Posted April 30, 2007 MikeThat's very good, thanks! Now, are we all going e-mail Eve Engledow at the Treasury stating we support the proposal, as suggested? I am, for one.Thanks again. Link to comment Share on other sites More sharing options...
Mel E Posted May 1, 2007 Share Posted May 1, 2007 I have spent the last three weeks investigating these insurance changes - which were pointed out to me by Brian some time ago. The actual changes were passed by the European Parliament in 2005 for implementation in each state's national legislation by 11 June 2007. So you'd expect all the insurance companies and their brokers to be up and running, wouldn't you? No such luck. I've spoken to the Motor Insurers' Bureau, the Association of British Insurers, and to some motorhome specialist brokers. So far, They're all investigating, because not one of them claimed ever to have heard of the 'Fifth Directive' which is what it's called. As well as easing personal import insurance, it has a couple of other very significant changes. So I'll let you all know as soon as I have definitive answers. Hopefully, before 11 June!!!!! Mel E ==== Link to comment Share on other sites More sharing options...
Brian Kirby Posted May 1, 2007 Share Posted May 1, 2007 And, just for the record, I sent it off this afternoon! It is an open consultation and any "stakeholder" is entitled to respond. The document is wordy and somewhat repetitive, but it all boils down the a relaxation of the rules defining where an insurance risk is located. Where vehicles were concerned, the risk was defined as being in the "State of registration". Under the relaxation, that definition will change to the "State of destination", for a period of 30 days from taking delivery of the vehicle. What isn't clear, however, is whether this relaxation will permit UK insurers to issue fully comp insurance, or whether the relaxation only permits third party insurance to be issued, which is what the EC seems usually concerned with.I therefore emphasised the need for f.c. insurance in my submission, citing examples of confusions that have arisen over such insurance under current provisions.I would therefore urge all able bodied (make that able headed - mine hurts now!) persons, of whatever race or creed, to follow Mike's excellent link and get typing! Link to comment Share on other sites More sharing options...
Mel E Posted May 2, 2007 Share Posted May 2, 2007 Brian, I hate to suggest it but here goes anyway: How the devil can consultation that ends on 24 May have any influence at all on Regulations that must be in force by 11 June? Or am I missing something here? Mel E ==== Link to comment Share on other sites More sharing options...
Brian Kirby Posted May 2, 2007 Share Posted May 2, 2007 MelI assume you've had a peep at the consultation doc, and the attached draft, but I don't know either.My guess is that unless someone raises heavy objections the regs will just be issued per the draft. Otherwise the Gov will presumably notify the EC that they have a problem and will implement a.s.a.p.However, I responded because I wanted to emphasise the need for the provision to include fully comp insurance, without which the regs would seem pretty useless (to personal importers). I was a bit uneasy what interpretation to place on para 3.15, which raised a doubt as to what, exactly, was being proposed but seemed to suggest the possibility the scope might be limited to bare minimum insurance requirements, which I would take to imply third party cover only. Any thoughts?Have you sent your insurance chums a copy, just to keep them on their toes, or are we better off leaving them asleep in case they raise lots of panicky last minute objections??! Link to comment Share on other sites More sharing options...
Mel E Posted May 2, 2007 Share Posted May 2, 2007 Brian, The govt introduced mandatory consultation some time ago, so they go through the motions. A good example was the consultation (nothing to do with the EU, this one) over nuclear power which was thrown out by the courts - his Tonyship promptly announced to the press that they would repeat the process as required by the courts but 'it would make no difference'. Consultation???? This Motor Insurance 5th Directive has already been subjected to extensive consultation and re-drafting as it wended its way through the EU processes, ministerial consultation and parliament. If anyone had anything to say that was the time to say it. Now it is EU Law and must be implemented without variation by 11 June 2007. There is no way to go back to the EU parliament to ask for changes or a stay of execution at this point. Incidentally, the closing date for consultation of those bit being implemented by the DforT was 24 April 2007, so they've given themselves a month longer!! Mel E ==== Link to comment Share on other sites More sharing options...
Brian Kirby Posted May 2, 2007 Share Posted May 2, 2007 Oh yes, it is all smoke and mirrors, and very unconvincing, and has of course been through all the stages you mention. However, no one told me about those "consultations", so Mike's post was very welcome, and now I've had my two pennoth, whether wasted or not!Incidentally, do you know of any reason why full comp might not be included? I can't see why it shouldn't be, if you see what I mean, but if the Directive is interpreted as only applicable to third party - because that is where the pan-European insurance interests lie - it would be rather a shame. Link to comment Share on other sites More sharing options...
Mel E Posted May 3, 2007 Share Posted May 3, 2007 Brian, Actually, the 'Full Comp' is an irrelevance. The problem has been caused purely because UK insurers are not bonded to offer Third Party on foreign registered vehicles - even those so registered temporarily. Because of this, it has been too complicated for most to offer just the addition to Fully Comp without the Third Party bit which you have had to get abroad. So: the new rules, when implemented mean that they can provide Third Party on a temporarily foreign-registered vehicle for up to 30 days and so there should now be no problem to prevent them doing the whole package again. So Third Party for this is fine! Does that make sense? Mel E ==== Link to comment Share on other sites More sharing options...
Brian Kirby Posted May 3, 2007 Share Posted May 3, 2007 Well, Mel, it’s certainly what I'm hoping they'll do. Now I suppose we'll just have to wait to see who wants to play!My concern was just that niggling little paragraph that "This option for implementation is not intended to go any further than required by the 5th MID." That implication, as I saw it, of minimalist interpretation rather made me wonder.If however, as you say, once UK insurers are authorised to provide temporary third party cover on foreign (and foreign registered) vehicles before they enter UK, they will be equally entitled to issue more comprehensive levels of cover, it does seem a major risk in the process, from an importer's point of view, will have been removed. So, well done someone! (Sorry, not shouting - the font has gone haywire and I can't edit it!) Link to comment Share on other sites More sharing options...
fjmike Posted May 7, 2007 Share Posted May 7, 2007 I just hope that all concerned get their collective bums in gear. We are collecting our new Pilote from France on the 29th June so maybe cutting it a bit fine, but considering the UK powers that be have had eons to sort this out I am not that hopeful at the moment :-S Link to comment Share on other sites More sharing options...
Brian Kirby Posted May 7, 2007 Share Posted May 7, 2007 Has it got to the dealer yet Mike? When it does, you'll probably get a temporary French "WWB" registration no, and a "Certificat d'Immatriculation Provisoire de Vehicule", valid for 15 days excluding Saturdays, Sundays and public holidays. The card is supposed to be retained by French customs on exit, but we came back by tunnel and no one was interested, which is why I still have it!It may be worth priming your insurer in the next couple of weeks, so that they know what to expect. There is no guarantee all insurers will wish to offer this cover, and I don't think they are under any obligation to do so. So, if yours says no, you may have to shop around a bit, and doing that at the last minute may not be quite what you want at that time!Then, after the van gets to the dealer, they should be able to give you the WWB and the chassis No. Just let them know you need this info asap, because you have to arrange insurance under the new rules. In any case you'll need it about a week before you go to collect, to be sure you get the cover note before you set off. Link to comment Share on other sites More sharing options...
fjmike Posted May 7, 2007 Share Posted May 7, 2007 Thanks for that info Brian. The van is either at the dealers or at the local mercedes dealer having a MPH speedo fitted as we bought it from the dealers stock.We intend to make our insurance (safegaurd) aware of what is happening so that they can be prepared. After googling for the directive I did notice that there does not seem to be any opposition to it from the insurance bodies, so fingers crossed Link to comment Share on other sites More sharing options...
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