Impounded Vehicle Insurance: What is it?

by joelee

There can be several reasons why your vehicle has been impounded in the police pound. Perhaps you don’t know your insurance policy had expired or perhaps the vehicle was insured but not for the right purpose. Maybe the driver thought his own insurance policy allowed him to drive other vehicles or someone else using his vehicle believing they were insured. Let Release my vehicle help you in this cause.

We can organize documentation instantly, and the policy itself lasts for 28 days, so there is no need to sit this one out. Our impounded vehicle insurance team can help you take the first steps to retrieve your vehicle.

Our short-term impounded vehicle insurance can help you when it is in a police pound. When you collect your vehicle from the police pound. When you collect your vehicle from the police pound, you should produce documentation to the pound which includes insurance documentation.

Insurance policies are mainly designed for this very purpose

  • This is a 28-day policy particularly for releasing an impounded vehicle from the police pound.
  • The cover is third-party only
  • The important documentation to release your impounded vehicle from the police pound. The documents can be mailed to you as early as you provide all the information the pound need.

As an insurance broker, we have been helping people arrange insurance in the UK for many years.

Can you use one-day car insurance to collect your impounded vehicle?

You just can’t use an insurance policy issued for 1-day in order to secure the release of a vehicle impounded by the police. To release an impounded vehicle, the registered owner will require a special impounded vehicle insurance policy that is valid for a minimum of 28 days. It is just not possible to include an extra-named driver included to your insurance policy.

Why do the police impound vehicles?

Under the Road Traffic Law, the police and other authorities have the right to impound any vehicle that is being driven without a valid insurance policy or where the driver does not hold a valid driving license. If the driver has committed the offense or the police are not able to establish insurance cover being in place at the roadside, the vehicle will be impounded and taken to the police pound where you will be charged a release fee plus daily storage charges until the vehicle is retrieved.

There is a strict time limit as explained in the impound notice. That will be handed to you at the roadside. After this date, there is a huge risk that your vehicle could be scrapped. When you take our impounded vehicle insurance, we deliver your certificate of insurance by mail as early as you submit your payment.

Why do the vehicles get impounded by the police?

  • Using the vehicle for incorrect use
  • Policyholders who allow someone to use their vehicle believing they had insurance in place.
  • The vehicle is blocking the road with illegal parking
  • Unable to get appropriate vehicle insurance
  • Not paying vehicle tax
  • Being driven by someone without a valid driving license

How is impounded vehicle insurance different from standard car insurance?

Standard car insurance cover is designed to provide you protection to drive and park your vehicle on public roads. It is a legal requirement to have a minimum of third-party insurance. Which covers any damage you might cause to other people.

However, regular car insurance is not primarily intended to cover vehicles that have committed an offense that results in them being impounded. As a result, many regular car insurance policies will not include cover for vehicles that have been impounded by the police.

If your standard policy does not have this cover, impounded vehicle insurance can fill the space. You will need to provide proof that you have appropriate cover in place valid for a minimum of 30 days. In order to release your vehicle from the police pound.

You need impounded vehicle insurance as you did not have insurance for it in the first place. If so, you will almost certainly need a specialist policy to retrieve it. You will find it really difficult to take out a standard policy. If your vehicle is already in the police pound.

What does it cover?

Impounded vehicle insurance mainly covers one thing: the ability to release an impounded vehicle and drive it out of the pound. Regular car insurance does not cover this. In order to retrieve your vehicle impounded by the police, you will need cover for a minimum of 30 days. 

Once you have left the pound, a specialist impounded car policy will also allow you to drive legally on UK roads for the remainder of the policy term. However, keep in mind that many short-term impounded car insurance brokers only provide third-party cover.

To take out a specialist impounded vehicle insurance policy, you should be the registered owner of the vehicle and have a valid driving license.

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