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#Post#: 124504--------------------------------------------------
Car impounded dilemma
DIR By: oscar21
Date: July 13, 2026, 8:27 am
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Just asking hopefully a quick question, if a named driver on a
car insurance policy lends the vehicle to someone who isn't
insured and it gets impounded, where does that leave the policy
holder with regard to getting the vehicle back, especially if
the insurance doesn't cover bailing out the vehicle. also
policyholder unaware of the lend of the vehicle.
#Post#: 124510--------------------------------------------------
Re: Car impounded dilemma
DIR By: andy_foster
Date: July 13, 2026, 9:31 am
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Struggling to see what relevance the policy holder has to the
price of fish.
#Post#: 124512--------------------------------------------------
Re: Car impounded dilemma
DIR By: oscar21
Date: July 13, 2026, 9:35 am
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Well its the policy holders car and he needs to get it back, its
been impounded through no fault of his own, he didn't lend the
car to anyone.
#Post#: 124519--------------------------------------------------
Re: Car impounded dilemma
DIR By: stamfordman
Date: July 13, 2026, 10:12 am
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If it's his car and he has the paperwork he can get the car on
payment of fees and presumably fines.
#Post#: 124532--------------------------------------------------
Re: Car impounded dilemma
DIR By: PallasAthena
Date: July 13, 2026, 11:25 am
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The police force that seized it should have instructions on
their website explaining how the registered keeper can get the
vehicle back if it has been seized because it was being driven
without insurance. I'm assuming that is the only reason why it
was seized and it hasn't also been used in other criminal
activity, and that it is roadworthy, taxed, and MOT'd. He needs
to move quickly though, there's quite a short timescale before
police are entitled to sell or destroy a seized vehicle.
Just as an example this is the Met Police information for
London.
HTML https://www.met.police.uk/advice/advice-and-information/vr/vehicle-recovery/seized-vehicles/<br
/>But he needs to follow the instructions of whichever police
force has his car.
The owner/registered keeper has to pay the seizure and storage
fees but not any fines that might be imposed on the uninsured
driver.
He needs to check his insurance policy as they don't all cover
drving a vehicle that is being recovered after police seizure.
It's possible to buy short term insurance policies specifically
to cover this situation.
#Post#: 124538--------------------------------------------------
Re: Car impounded dilemma
DIR By: oscar21
Date: July 13, 2026, 11:51 am
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--- Quote from: stamfordman link ---
>
> If it's his car and he has the paperwork he can get the car on
payment of fees and presumably fines.
>
--- End Quote ---
His insurance states that it doesn't cover getting cars out of
the pound. That's his problem although he's done nothing wrong.
#Post#: 124540--------------------------------------------------
Re: Car impounded dilemma
DIR By: oscar21
Date: July 13, 2026, 11:54 am
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How does this work in a point of law though, my car is currently
parked outside my house and its insured, taxed and MOT'd. If my
mate takes it (with my permission or otherwise) who isn't
insured and parks it back where it was before (or anywhere else
for that matter) then I'm guessing its insured again under my
policy.
So how is it then when the uninsured driver parks the car after
getting stopped are the police able to impound it as an
uninsured car, surely once the driver has exited the car it
becomes insured again.
#Post#: 124543--------------------------------------------------
Re: Car impounded dilemma
DIR By: andy_foster
Date: July 13, 2026, 12:04 pm
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--- Quote from: oscar21 link ---
>
> His insurance states that it doesn't cover getting cars out
of the pound. That's his problem although he's done nothing
wrong.
>
--- End Quote ---
Does it, or does it simply not extend driving other vehicles to
getting cars out of the pound?
#Post#: 124546--------------------------------------------------
Re: Car impounded dilemma
DIR By: stamfordman
Date: July 13, 2026, 12:09 pm
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--- Quote from: oscar21 link ---
>
> [quote author=stamfordman link=topic=11422.msg124519#msg124519
date=1783955573]
> If it's his car and he has the paperwork he can get the car on
payment of fees and presumably fines.
>
--- End Quote ---
His insurance states that it doesn't cover getting cars out of
the pound. That's his problem although he's done nothing wrong.
[/quote]
I don't understand - all the police are interested in is an
owner with insurance to release the car.
#Post#: 124547--------------------------------------------------
Re: Car impounded dilemma
DIR By: oscar21
Date: July 13, 2026, 12:21 pm
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It does sound odd, I'll get more details tomorrow when I see
him.
Edit, Compare the market says this :-
What is impound insurance?
Impound insurance (also known as compound insurance) is a type
of short-term car insurance specifically used to release a car
from the pound.
Standard car insurance doesn’t usually cover impounded cars, as
it’s a specific, high-risk situation. So if your vehicle is
seized, you may need specialist cover to get it back.
And Money Supermarket says this:-
Will my existing car insurance policy cover me if my car is
impounded?
Probably not. Impound insurance is not covered by most car
insurance policies as standard, so you will probably need to
take out specialist cover.
Often these policies are issued for short durations (e.g. 7–30
days), and only provide minimal third-party cover.
News to me, car insurance making money again out of (admittedly
self inflicted) misery.
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