The cost of car insurance falls by £50 as Brexit law, which allowed lawnmower claims, is scrapped

Car premiums were set to rise this year to pay off a spate of claims coming as Brexit bogs the UK down with an unfair law, but at the last minute the government overturned the legislation

Caucasian auto mechanic with female customer looking at car checklist
A strange Brexit quirk meant the government had to overrule a law that all other EU countries have ended

Drivers are said to be saving £50 a year car insurance due to government scrapping a Brexit Law that allowed claims for mobility scooters and riding lawn mowers.

Insurance prices for UK drivers were set to rise this year because Brexit meant that one or the other law had to be implemented in the UK – although all other European countries had scrapped it.

The law would mean anyone could make an insurance claim against vehicles such as mobility scooters, riding lawn mowers and golf buggies on private property.

Normally, these vehicles would not have to be bought car insurance which is only required for vehicles intended to drive on the road.

However, claims against these vehicles have increased car insurance premiums by £50 per year per driver, the government said.

This has already started to happen.

The European Parliament said in June 2021 the idea was “absurd over-regulation” and would drop the whole thing.

Because Great Britain leave the European Union if we also want to abolish the rule, we have to pass our own law, because new European regulations do not apply to us.

But in a little bit of good news for drivers, that will happen this week, as a bill called the Motor Vehicles (Compulsory Insurance) Bill is set to receive royal approval.

The British Insurance Brokers’ Association (Biba) has been campaigning for a change in the law for six years.

Biba Executive Director Graeme Trudgill said: “This is one of the longest running campaign issues for Biba and as such we are pleased that the issue has finally been resolved with the passage of this bill.

“The forthcoming law means UK motorists will avoid potential increased costs and eliminate significant unintended consequences in areas such as motorsport and vehicles that previously did not require motor insurance, such as ride-on lawnmowers.”

Why should car insurance premiums go up?

The strange story began in 2007 when a Slovenian farm worker named Damijan Vnuk was injured and fell off a ladder by a tractor on private property.

He was unable to recover damages from the tractor’s insurance company, and the case rumbled through the Slovenian courts before ending up in the European Court of Justice in 2014.

This introduced a Europe-wide rule that car insurance is required for every vehicle, everywhere – not just on the road.

Each country in the European Union then had to technically write this into their own laws. Because of Brexit, the UK has never done this, meaning if you own anything like a mobility scooter you don’t actually need to insure it.

But if you are injured by a vehicle on private land in the UK you could still have made an insurance claim under the Vnuk legislation which is now being abolished.

That’s because in June 2019, in another court case, Lewis vs. Tindale, the UK state had to pay those claims even after Brexit.

The part of the state that pays these demands is the Bureau of Motor Vehicle Insurers (MIB) which is funded by insurers and pays claims where the insurer cannot be traced.

But the ultimate cost is borne by motorists through their premiums.

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Fry Electronics Team

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