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New Scooter Insurance Regulations Introduced

July 11th, 2011

New scooter insurance regulations have been introduced by the government which mean that all scooter owners must have their vehicles covered by an insurance policy at all times.

These new regulations were introduced on the 20th June 2011 and are known as Continuous Insurance Enforcement (CIE). The aim of CIE is to reduce the number of uninsured motorists on the roads, which is believed to be costing the insurance industry £500 million each year.

We will therefore look at the impact of the new CIE regulations on scooter owners, the reason why it has been introduced and the possible ramifications following non-compliance:

Continuous Insurance Enforcement: From the 20th June 2011 it became illegal to own any kind of road going vehicle which is not covered by a relevant insurance policy. Although much of the publicity surrounding this new regulation has centred around its impact on car owners, it will also affect scooter, bike, van and truck owners.

CIE is very similar to the current road tax regulations, in that it is now a legal requirement for vehicles to be covered at all times. This has become possible thanks to a partnership between the DVLA and the Motor Insurers Bureau, with the latter providing the DVLA with access to its Motor Insurance Database.

The Motor Insurance Database contains the registration plate number of every road legal vehicle which is covered by an insurance policy in Britain. Police will be able to use cameras similar to those used to enforce road tax regulations, which will compare individual vehicle registration plate numbers against those held in the Motor Insurance Database.

Punishments: If it is found that a scooter is not featured on the database, then the owner will be liable to a £100 on the spot fine. The owner will also be given a notice period by police, within which he must arrange for a scooter insurance policy.

Failure to comply with this requirement will result in an additional £1,000 fine and a possible court appearance. It is also possible that the scooter will be confiscated by the authorities, with the owner potentially having their licence suspended.

Exemptions: All types of scooter are covered by the CIE regulations, with the only exemption being scooters that have been declared off the road to the DVLA by a SORN (Statutory off Road Notification).

The SORN can be completed online, over the phone or by post using a form which can be obtained from any post office. For contact details and more information visit

The Reason for CIE: CIE has been introduced by the government in an attempt to address the country’s problem of uninsured motorists, which is believed to be one of the worst in Europe. This is supported by research by, which revealed that one in six motorists in the UK are on the roads without any insurance cover.

The Motor Insurance Bureau reports that this costs the insurance industry £500 million each year, with this calculation based on potential lost income and the fact that insurers are being forced to cover the costs of the uninsured motorists whenever they’re involved in an accident. This additional £500 expense is being passed on to law abiding motorists in the form of higher basic premiums, with approximately £35 being added to each policy.

CIE should therefore be welcomed by all law abiding scooter owners, as it could bring with it insurance cost savings in the long run.