Oxford News
Millions risk fines over common car insurance misconception
An estimated 4.5 million people in the UK have driven vehicles they do not own without checking if they were insured to do so, according to research by Tempcover.
Many wrongly believe their comprehensive insurance automatically covers them to drive other cars.
Nearly four in 10 motorists (37%) still believe this long-outdated myth.
Millions of drivers face fines from common insurance misconception
Jake Lambert, temporary insurance expert at Tempcover, said: “Borrowing a car from a friend or family member is fast becoming a normal part of modern life, but stepping behind the wheel without verifying actual cover is giving rise to the ‘Accidental Outlaw’ – set against a backdrop of the UK’s 300,000-a-day uninsured driving epidemic.
“Blindly relying on ‘Driving Other Cars’ clauses or misunderstanding fronting – which is serious criminal insurance fraud – leaves motorists just one ANPR camera away from a fine, points, or roadside seizure.
“The good news is that staying legal is simple as insurance becomes more flexible.
“Securing standalone temporary car insurance takes minutes when borrowing a vehicle.
“And if your car has been seized, a specialist temporary impound policy can help resolve the compound deadlock fast.”
The misconception have caught out many drivers. (Image: Getty Images)
The ‘Driving Other Cars’ (DOC) extension, once common in fully comprehensive policies and believed by 47% of drivers to still exist, was largely phased out back in the 2000s.
Tempcover’s study found that 44% of drivers had used a vehicle they didn’t own in the past year, with nearly a quarter (23%) of those doing so every week.
Reasons included running errands (13%), emergencies (11%), or sharing holiday driving (10%).
Motorists most often borrowed cars from friends (33%), partners (24%), or parents and guardians (11%).
A similar misunderstanding exists around family insurance policies.
Nearly one in three drivers (29%) – and almost half of Gen Z drivers – believe it is legal to list a parent as the main driver of a car primarily used by their child.
This practice, known as ‘fronting’, is classed as insurance fraud and invalidates the policy.
It can result in an IN10 conviction, policy cancellation, and full personal liability in the event of a collision.
The findings come amid a wider problem with uninsured driving.
The Motor Insurers’ Bureau estimates that 300,000 uninsured vehicles are on UK roads each day, costing the economy £1 billion annually.
Last year, nearly 160,000 vehicles were seized by police – the highest figure in 17 years.
The MIB reports that someone is affected by an uninsured or hit-and-run driver every 20 minutes.
Among Gen Z drivers, 69% believe that genuine emergencies should exempt motorists from insurance penalties, despite no such legal exemption under the Road Traffic Act.
Once a car is seized, drivers face further confusion and costs.
More than a quarter of motorists (28%) incorrectly believe that a standard insurance policy can be used to retrieve an impounded vehicle.
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In reality, release from a police compound requires specialist impound insurance.
Many are also unaware of the financial implications.
More than a third (36%) do not know about initial release fees of £160–£200, and nearly half (49%) are unaware of daily storage charges of more than £20.
Driving without insurance carries an automatic fixed penalty of £300 and six penalty points.
Police also have the power to seize and impound uninsured vehicles on the spot.
Tempcover advises drivers to take out temporary car insurance before borrowing a vehicle.
This can be arranged in minutes and ensures legal cover for the journey, avoiding financial and legal consequences.
Did you know about this common insurance misconception? Let us know in the comments.
Oxford News
Animal ‘killed’ by catapult and dogs in Oxford incident
Thames Valley Police has launched an investigation after a pigeon was killed in a wildlife crime incident in Plover Drive, Oxford, at around 6.50pm on August 24.
The force said that two teenage boys used a catapult to knock a pigeon from a tree before the bird was attacked by three smaller terrier-type dogs that were with them.
READ MORE: Oxford probe launched after ‘shocking assault’ of 60-year-old by teen boys
Descriptions of the two boys have been released with the first described as wearing a black sleeveless vest, dark-coloured bottoms, black trainers with white soles.
A photo of a catapult/slingshot (Image: NQ)
In addition he had a black-and-white flat-peaked cap worn backwards and was believed to have been carrying a catapult.
The second was reportedly wearing a light-coloured T-shirt and blue jeans, with brown, medium-length hair.
He was also seen carrying an unidentified item.
Plover Drive, Oxford (Image: Google Maps)
A spokesperson for the police said: “We are keen to hear from anyone who witnessed this incident or who may recognise those involved from the descriptions above.
READ MORE: Police race to ‘fear for welfare’ incident by Oxford BMW factory
“We would also like to hear from anyone with dashcam footage from the Plover Drive area between 6.30pm and 7pm on 24 August that may assist our investigation.
“Wildlife crime has a real impact on our communities, and we take reports of offences against wild animals and birds seriously.
” If you have any information, please contact the force on 101 or report online, quoting reference 43260448136.”
Oxford News
Manhunt update after ‘serious assault’ in Oxford suburb
Following the incident in North Way, Barton on Monday, August 17, Thames Valley Police said it wanted the public’s help to locate Oxford local Arthur McDonagh.
The force warned the public not to approach the 33-year-old, but instead to call the police if they see him.
READ MORE: Probe launched as Oxford woman ‘assaulted’ in Vauxhall Astra car
On Tuesday, August 18, a spokesperson said: “Thames Valley Police is appealing for the public’s help to locate Arthur McDonagh, aged 33, from Oxford.
“He is wanted in connection with a serious assault that happened in North Way, Barton, yesterday (August 17).
A crashed truck in Oxford following the incident in Barton (Image: Alex Carter)
“Arthur is known to frequent the Garsington area.
“If you have any information about his whereabouts call 101 or make a report online, quoting reference 43260426989.
“If you see him, do not approach him, but instead call 999.”
Well over a week on, the police has revealed that Mr McDonagh remains at large.
The spokesperson said today (Saturday, August 29): “Arthur McDonagh remains outstanding; our enquiries are ongoing to locate him.”
During the incident emergency services were called to Barton Village Road at about 11.10am.
Arthur McDonagh, 33 (Image: TVP)
The force closed North Way to the junction with Edgecombe Road while officers carried out their enquiries.
A damaged white pickup truck was left in the middle of the street, surrounded by broken glass and with what appeared to be blood splattered on the rear right-hand side.
The white pickup truck could be seen behind the police cordon.
There were multiple reports of different weapons being used during the assault, but Thames Valley Police confirmed that they do not believe an axe, bat or machete were used in the attack.
But police declined to say what weapon they do believe was used in the assault.
Police in Barton. (Image: Alexandra Carter / Newsquest)
The force confirmed a man was taken to hospital for treatment, and that he was in a stable condition, and they thanked the local community for their support.
Following the incident, Mike Rowley, Labour councillor for Barton and Sandhills, said his thoughts were with the victim and praised local officers for their response.
READ MORE: Public told ‘DO NOT APPROACH’ amid Oxford attack manhunt
He said: “My thoughts are with the victim as the incident sounds horrible.
“I am in touch with the police, but I’m not expecting any updates yet as their priority is finding the offender and making sure there aren’t any further offences.”
Appeals for public help in finding individuals by the police can relate to suspects, witnesses or others who may have vital information in relation to the incident.
They do not mean the person is to blame nor do they imply guilt.
Oxford News
Driving offence with £300 fine occurs 2 miilion times a year
The alert comes ahead of the September ’76 number plate change.
New research from temporary car insurance provider Tempcover reveals that one in five drivers would not check if they were insured before test-driving a vehicle in a private sale.
With more than 4.3 million private used car sales each year in the UK, Tempcover analysis warns that uninsured test drives could top 2 million annually.
Motorists caught test-driving without valid cover face a £300 fine and six penalty points (Image: Jordan Pettitt/PA Wire)
The warning follows SMMT Q2 data showing that the UK used car market recorded more than 2 million transactions, including a 67% rise in battery electric vehicle (BEV) sales.
Test drives of used electric vehicles are becoming more thorough, with 43% of drivers saying they drive EVs further and for longer than petrol or diesel models, averaging an extra 2.8 miles per test.
This is often to assess battery health and charging capabilities, but driving without insurance remains illegal and carries serious penalties.
What is the punishment for being caught test-driving without correct insurance?
Motorists caught test-driving without valid cover face a £300 fine and six penalty points, or, if prosecuted in court, an unlimited fine, six to eight points, and a criminal record.
Many drivers are unaware that ‘Driving Other Cars’ (DOC) clauses in standard policies rarely cover private test drives.
Tempcover also found that 43% of motorists did not know they could purchase temporary insurance for as little as an hour to stay protected during a test drive.
This marks a sharp rise from an estimated 1.3 million during the September ’75 plate change and 1.5 million during the March ’26 plate change.
Jake Lambert, a temporary car insurance expert at Tempcover, said: “Second-hand electric cars are changing hands at an increasing pace, and buyers looking to grab an EV bargain during the September ’76 number plate change are likely to take longer, diagnostic test drives – covering more miles and driving to public charging points to vet battery performance before handing over their hard earned money.
“These extended test drives make proper insurance coverage even more crucial.
“Private sellers have no legal obligation to insure a buyer, and relying on outdated policy assumptions without verifying cover leaves drivers at risk of taking to the road without valid insurance.
“Securing fully comprehensive, temporary insurance is a simple fix that protects buyers from severe out-of-pocket costs if an accident happens.”
How does the September ’76 number plate change impact this?
UK number plates change twice a year in March and September for newly-registered vehicles, which are associated with different numbers.
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March releases use the last two digits of the year, so 2026 becomes 26, while September releases add 50 to the same figure, turning 2026 into 76.
There is usually a seasonal rush when the new plates comes in which is typically driven by sellers looking to avoid the immediate depreciation that comes with an older registration.
As a result, this period may see an increased period of test drive taking place for private car sales.
Have you checked to see if you have the correct insurance to test-drive a car? Let us know in the comments.
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