Overview

IMPORTANT: If a vehicle is impounded it must be transferred to the Non-Standard (NS) division. Vehicle impoundment in the UK is often a result of uninsured driving or policy violations. This guide outlines the steps and requirements for clients to retrieve impounded vehicles.

Key Questions for Customers

Cause of Impoundment

• Determine how the vehicle was impounded.

• Confirm if the client or an unnamed person was driving uninsured.

Pending Prosecution Inquiry

• Ask if the client is expecting a pending prosecution.

• Ask about potential 'IN10' conviction due to uninsured driving.

Mandatory Impound Insurance Policy

• Clients must take out a 30-day, Third Party Only impound insurance policy to retrieve the vehicle.

• This policy is non-refundable and typically costs between £450 to £550.

Ownership Verification

• Verify the ownership of the vehicle before proceeding.

• Impound authorities will only release the vehicle to the registered owner.

Exceptions for Company Vehicles

• If the impounded vehicle is registered to the client’s company, the policy can be issued in the company's name.

• The client must be added as a named driver.

• For company vehicles, brokers must manually send details to Granite to obtain a quote through the Technical Underwriting Portal (TUP).

Key Takeaways for Brokers

• Always initiate by understanding the reason for vehicle impoundment and potential legal prosecution.

• Emphasise the mandatory 30-day impound insurance policy and its cost (£450 to £550).

• Verify the vehicle's registered owner, as impound authorities release vehicles to registered owners only.