Impound insurance gives you the cover you need to get your car released from the police impound.
Releasing your vehicle from an impound can be very expensive, so it's important you have everything you need to retrieve your vehicle as quickly and inexpensively as possible. You'll need:
Impound Insurance is not an expense that anyone wants to spend money on. If you do find yourself in the situation where your vehicle is impounded, you’ll need to prove you have a minimum of 30 days impound insurance in order to retrieve your vehicle from the police impound. That’s why at InsureDaily we offer the cheapest impound insurance so you can get the minimum level of cover you need in order to get your car or van back from the impound for the minimum cost possible. You can get a quote in just a few seconds, and get the cover you need in just a couple of minutes. Time is important when retrieving your vehicle from the impound, as it costs you more money the longer your car is impounded for!
So don’t delay, get proof of insurance emailed to you instantly, and get the cheapest and quickest solution to release your car from the impound, by getting a quote in just a few seconds.
Prior to purchasing any insurance it’s important to make sure it’s the level of insurance you need. Particularly if your vehicle is impounded, you need to make sure the insurance you’re getting is covering you to release your vehicle from the police impound and that it has the minimum of 30 days that is legally required in order to retrieve your vehicle. If you purchase the wrong insurance it will be a waste of money, time, and you’ll spend even longer with your vehicle impounded – so make sure the insurance you purchase has the level of cover you need!
If you have an annual insurance policy on your impounded vehicle you can check with your insurers whether that includes cover for impounded cars, however most annual insurers would see impounded vehicles as high risk, and wouldn’t include impound cover by standard. Rather than having to buy an annual policy that does include impound cover, 30 day impound insurance is the best solution in this circumstance so you can release your vehicle from the impound for the minimum cost and level of cover legally required.
Cars are impounded because of how they are used, where they are parked, or how they are illegally kept or maintained. The police, local authorities and even the DVLA all have the right to impound cars. The most common reasons for a car being impounded are:
It can be expensive to release your vehicle from an impound. Both to insure it if you need to, and to pay the storage fees for every day that your vehicle is impounded for. Don’t let the fees pile up, and sort it today! You only have 7 working days as standard to retrieve your vehicle, and if you fail to reclaim your vehicle within 14 days your vehicle will be crushed or disposed of by the police. Time really is of the essence which is why we’ve made it as simple as possible to get the cover you need as quickly and painlessly as possible! These are the most common charges associated with having had your car impounded:
These charges can vary depending on your local impound and its own regulations and also the condition your vehicle is in but this a general idea of how much it could end up costing to release your vehicle from an impound.
Impound insurance is a specific and uncommon product, and not many insurers provide it on a temporary basis. Whilst we do our best to provide this cover for as many people as possible, there are restrictions and it’s important that you make sure you are eligible to purchase temporary impound insurance before taking out a policy.
In order to be eligible for our temporary impound insurance;
You must:
Your vehicle must:
Make sure you and your vehicle are within the limitations of these restrictions before taking out a policy, as temporary impound policies are non-refundable.
When you produce your car documentation to the impound, you will be required to produce insurance documentation valid for a minimum of 30 days. Not all policies are acceptable, as some standard insurance policies specifically exclude use for releasing cars from impounds. The cover level is for Third Party Only. If you have been served with a Section 165A seizure notice by the Police for not having motor insurance on a car, this policy will give you sufficient insurance documentation to recover the car.
Under section 165A of Road Traffic Act 1988, the Police have the power to seize any vehicle that is being driven without a valid insurance policy or where the driver does not hold a valid driving licence. If the driver has committed the offence or the Police are unable to establish insurance cover being in place at the roadside, the car will be seized and taken to the impound, where you will be charged a release fee plus daily storage charges until the vehicle is collected. There are several reasons why a car may be impounded or seized, here are some examples:
Whilst these might sound obvious, some of these are more nuanced than they may seem! For example, lots of people drive whilst believing they are properly insured but often are not insured for their use of the vehicle.
Your insurance policy will specify what you are covered to drive the vehicle for, often social, domestic, pleasure. This would mean that you’re not actually covered to commute to and from work, but many drivers may do this without realising. This would be regarded as driving without proper insurance and could mean your policy would not cover you should you have an incident.
Whilst most annual comprehensive policies do cover you to driver other cars (on a third party basis) some drivers do this without realising that their policy doesn’t actually cover them for this. You should never presume you are covered, and should check your policy documents to see if you are covered to drive other cars.
Even if you are listed as a named driver on someone else’s policy, if you are actually the primary driver of the vehicle, then insurers will void your policy and you will not be covered. You can be prosecuted for driving uninsured if you are found guilty of “fronting” – where you are the main driver of the vehicle but only actually listed as a named driver.
These are some of the more common reasons for a vehicle being impounded due to the driver being “uninsured” or for not being insured sufficiently for their use of the vehicle.
Once you know where your vehicle is being kept, you will need to pay a release fee plus daily storage charges until the vehicle is collected. This is why the quicker you can retrieve your vehicle from the impound, the cheaper it will be for you. You will need to bring your valid driving licence, proof of ownership and an MOT certificate and proof of your impound insurance. The impound will tell you if there are any additional documents needed, as this can vary depending on what you have been impounded for. There is a strict time limit of 14 days as explained in the S.165 notice that will be handed to you at the roadside. After this date, there is a risk that your vehicle will be crushed.
With InsureDaily impounded vehicle insurance we deliver your certificate of insurance by email instantly. So you don’t have to wait around, because we understand that when your car is impounded, time costs money! To find out more about seized vehicles and how to release impounded vehicles you can check out the dedicated Metropolitan Police page here
There are a couple of restrictions with this impound insurance policy. The policy must be in the name of the legal owner and registered keeper of the vehicle. You will not be able to get the vehicle released from the impound if this is not the case, so make sure you don’t take insurance out in the wrong person’s name. The policy is purely for the purpose of releasing the vehicle from the impound and it covers only the policyholder, who must be the vehicle owner. This policy covers third party only, and as is specified in the certificate of insurance it can be used for releasing an impounded vehicle. You must be able to meet the strict acceptance criteria before buying our thirty days impounded vehicle insurance cover. So make sure it’s what you’re looking for and what you need before purchasing the policy.