Road Traffic Insurance Regulations Quiz

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Questions and Answers

What is required for a person to lawfully use a motor vehicle on a road or public place?

A vehicle inspection certificate

A driver's license

An insurance policy or security for third party risks (correct)

A vehicle registration

In the case of DPP v Hay (2005), what is the burden of proof placed on the defendant?

To demonstrate there was an appropriate insurance policy in force (correct)

To provide a copy of their vehicle's registration

To show evidence of previous driving experiences

To prove they did not use a motor vehicle

What does the term 'use' imply regarding a driver and a vehicle?

Insurance details must be checked for usage

Only the registered owner is considered using the vehicle

The vehicle must be in motion to be considered used

A driver is always considered using the vehicle (correct)

Which case established that a vehicle left on a road requires insurance regardless of its condition?

Plumbien v Vines (1996) Signup and view all the answers

What is the minimum legal requirement for insurance coverage of a motor vehicle on public roads?

Third-party insurance or security Signup and view all the answers

Which statement about vehicle usage during company business is true?

The employer is considered to be using the vehicle Signup and view all the answers

What happens if a person uses a vehicle on a road without insurance?

They could face a heavy claim for damages Signup and view all the answers

Which of the following is NOT a condition for insurance validity as per the outlined legislation?

The vehicle must be owned by the driver Signup and view all the answers

What is required for a person charged with an offence under Article 90 to avoid conviction?

He must prove he used the vehicle with permission from the owner. Signup and view all the answers

Under what condition can a police constable seize a vehicle for no insurance?

The constable has reasonable grounds to believe the vehicle is being driven without insurance. Signup and view all the answers

Which form is completed when a vehicle is seized due to no insurance?

Form T27 Signup and view all the answers

What must a person charged with no insurance prove to avoid conviction?

That he was unaware of the insurance status of the vehicle. Signup and view all the answers

Which of the following is NOT a condition for seizure of a vehicle by police?

The vehicle must be parked illegally. Signup and view all the answers

Who has the authority to seize vehicles for not having valid insurance?

Authorized police officers. Signup and view all the answers

What must be done immediately after seizing a vehicle for no insurance?

Form T27 should be sent electronically to the Vehicle Recovery Liaison Officer. Signup and view all the answers

What is one of the conditions that allows police to stop a vehicle for inquiries?

The driver fails to stop or provides insufficient documentation. Signup and view all the answers

What constitutes the owner using a vehicle when they are in the passenger seat?

When the owner is giving a friend a ride. Signup and view all the answers

In which scenario is someone considered to be causing the use of a vehicle?

A manager instructs a subordinate to drive a work vehicle. Signup and view all the answers

What does permitting someone to use a vehicle entail?

Granting explicit permission while acknowledging insurance is invalid. Signup and view all the answers

Which document serves as proof of insurance?

Certificate of deposit/security. Signup and view all the answers

When examining a certificate of insurance, which aspect is essential to verify?

The limitations of vehicle use. Signup and view all the answers

What are third party risks in the context of vehicle insurance?

Liability incurred for injury or damage to others caused by the vehicle. Signup and view all the answers

Which of the following situations exempts a policyholder from making a claim?

Driving the vehicle themselves when covered. Signup and view all the answers

What feature is NOT typically included in a certificate of insurance?

The price of the insurance policy. Signup and view all the answers

What is the first step to verify if a vehicle is uninsured?

Question the driver and check the Motor Insurers Database. Signup and view all the answers

What should be done if the driver does not want to wait for the seizing officer?

Record the driver's details and encourage vehicle key possession. Signup and view all the answers

What documentation must be issued once a vehicle is confirmed as uninsured?

A form 55/8 for production of other driving documents. Signup and view all the answers

Under what circumstances can a constable require the removal of a vehicle?

If the vehicle is broken down or causing obstruction. Signup and view all the answers

Which of the following actions is NOT the responsibility of the officer when seizing an uninsured vehicle?

Issuing a warranty for the vehicle. Signup and view all the answers

What is the primary purpose of invoking Statutory removal under Road Traffic Regulations?

To facilitate road maintenance and safety. Signup and view all the answers

In managing a seized vehicle, which procedure must be followed regarding the driver?

Encourage them to remove personal items before the seizure. Signup and view all the answers

Which statement accurately reflects the guidance for seizing a suspect uninsured vehicle?

Requesting assistance from an authorized officer is essential. Signup and view all the answers

Under what condition can a constable remove a vehicle from a road?

If it appears to have been abandoned. Signup and view all the answers

What can a constable do if a vehicle meets the conditions outlined in paragraph 1?

Remove the vehicle by towing or driving it. Signup and view all the answers

Which of the following is not a reason for a constable to believe a vehicle has been abandoned?

It is parked legally with valid insurance. Signup and view all the answers

What is required for a constable to demand insurance from a driver?

The constable must have reasonable grounds to suspect no insurance. Signup and view all the answers

What happens if a person fails to stop for a constable demanding insurance?

The constable may take further action based on suspicion. Signup and view all the answers

In which circumstance can a constable take measures necessary to enable a vehicle's removal?

If the vehicle is in a dangerous position. Signup and view all the answers

What is not a requirement for a vehicle to be considered for removal under paragraph 1?

The vehicle must have been stopped by a constable. Signup and view all the answers

Which of the following indicates that a vehicle may be dealt with under the provisions described?

The vehicle is on the road and appears to be broken down. Signup and view all the answers

Study Notes

Introduction

All vehicles used on roads must have a minimum level of insurance.
The legislation is defined in Article 90 of Road Traffic (NI) Order 1981.

Points to Prove

The legislation does not apply to a vehicle not used on a road or public place.
The vehicle must be a motor vehicle.
It must be proven the accused used, caused, or permitted someone else to use a motor vehicle on a road or public place without insurance.
The defence can prove an appropriate insurance policy was in force.
Vehicles left on the road for several months and beyond the point of being movable still require insurance.

Use

Every driver is using a vehicle.
If a vehicle belongs to a company and is being used for business, the employer also uses it.
If the owner is in the passenger seat and the vehicle is being driven for their benefit, they are considered to be using it.

Cause

Someone with authority over another who instructs them to drive a vehicle is causing the use of the vehicle.

Permit

If a person gives permission to use a vehicle to another person, they are permitting the use of the vehicle.

Third Party Risks

Insurance covers liability incurred for death, bodily injury, or property damage caused by the use of the vehicle on a road or public place.
The policy holder or authorized user can not claim against the policy if they were the driver.

Proof of Insurance

Proof of insurance includes a certificate of insurance, a cover note, an international motor insurance card (green card), or a certificate of deposit/security.
When examining a certificate of insurance, note the certificate number, the commencement and expiry dates, the name and address of the insurance company, the vehicle being covered, vehicle usage limitations, and permitted drivers.

Statutory Defence

A person charged with a no-insurance offence can escape conviction if they prove:
- The vehicle did not belong to them.
- The vehicle wasn't in their possession under a contract of hiring or loan.
- They were using the vehicle in the course of their employment with the authority of their employer.
- They neither knew nor had reason to believe the vehicle was not insured.

Power to Seize Vehicles

A vehicle can be seized using Form T23 for most offences or Form T27 for no insurance offences.
Form T23 will be completed in all cases except no insurance. The form is sent electronically by email to the ZVehicle Recovery Liaison Officer.
A constable can seize a vehicle if they have reasonable grounds to believe that the vehicle is or was being driven without insurance.
A constable can seize a vehicle if:
- they demand proof of insurance and the person fails to produce it.
- they request the person to stop and they fail to stop for long enough for inquiries to be made.

Seizure of Uninsured Vehicles

Conduct initial enquiries and check the Motor Insurers Database (MID).
If satisfied the vehicle is uninsured, request an authorized officer for seizure.
The entire seizure process will be handled on your behalf.
You are responsible for issuing Form 55/8 for production of driving documents, submitting the no-insurance file, or issuing a fixed penalty notice.
If the driver does not wish to wait for the seizing officer, record details, take the keys, and encourage removal of valuables.

Managed Vehicle Recovery

A vehicle can be removed if it's broken down, left in a position causing obstruction or danger, or left in a position in breach of statutory prohibition or restriction.
A constable may require the owner, driver, or other person in charge of the vehicle to remove it.
A constable may remove a vehicle if:
- it appears to have broken down and been abandoned.
- it is left in a position or condition that appears to be abandoned.
A constable can tow or drive the vehicle and take necessary measures to facilitate removal.

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Description

Test your knowledge on the Road Traffic (NI) Order 1981 regarding insurance requirements for motor vehicles. This quiz covers key legislation points, usage definitions, and the responsibilities of drivers and vehicle owners. Ensure you're familiar with who qualifies as a user and the insurance obligations that apply.