Rules and law
Impounded car insurance in the UK: a comprehensive guide
A guide to impounded car insurance in the UK: why cars are seized, what this short-term cover usually includes and what you need to get your car released.
Impounded car insurance is a specialist type of short-term policy available in the UK for people whose car has been seized by the authorities. This guide explains what it is for, what it usually covers and how to get it.
Why are cars impounded?
The most common reason is uninsured driving. Driving without valid insurance is illegal, and according to GOV.UK the police have the power to seize, and in some cases destroy, a vehicle that is being driven uninsured. The driver can also be given a £300 fixed penalty and 6 penalty points, or face an unlimited fine and disqualification in court.
Cars can also be seized for other reasons, such as being driven by someone without a valid driving licence.
Understanding impounded car insurance
Impounded car insurance is a temporary policy that allows you to show the pound that the car is properly insured, so it can be released to you and driven away. The pound will usually also ask for proof of ownership and a valid driving licence, and you will normally have to pay release and storage fees. Check the exact requirements with the pound or the police force involved, as some only accept policies that meet particular conditions.
What impounded car insurance covers
The exact cover varies between insurers, but it generally includes:
- Third party only cover: protection against damage to other people's property and injuries to others caused by the insured car.
- Short-term cover: the policy runs for a limited period rather than a full year, giving you time to collect the car and arrange longer-term cover.
The policy only deals with insurance. Other things the car needs to be used on the road, such as vehicle tax and a valid MOT, are separate.
Getting impounded car insurance
You will usually be asked for details about the seizure, such as where the car is being held and the reference number, along with details of the car and driver. Specialist insurers and brokers offer this type of policy. As with any policy, read what is and isn't covered before you buy.
Conclusion
Impounded car insurance is a short-term policy that helps drivers whose cars have been seized meet the requirements for release. Knowing what the pound needs, and what the policy covers, can make the process quicker and less stressful.
Kompare doesn't currently offer quotes for impounded car insurance or car insurance. If you have motoring convictions, you may find our convicted driver insurance page useful, or read how we work.