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Police Impound Car Insurance

What is police impound insurance?

This is a specialist 30-day motor insurance policy required by the police to legally reclaim a vehicle from an impound site. This insurance must include a Confirmation of Insurance Document (CID) code. Without this code and proof of minimum third party coverage for 30 consecutive days, the vehicle won’t be released to you. Police impound policies are specifically designed for these situations. It covers most vehicles, including cars, vans and motorbikes

Who needs police impound insurance?

This insurance is needed if your vehicle has been seized by the police and you need proof of insurance to release it from impound. Reasons your vehicle can be impounded in the UK include: 

Driving without a valid licence or insurance.

Careless or dangerous driving that causes disturbance or harm.

Failing to stop when requested by police.

Driving an untaxed or Statutory Off Road Notice (SORN) vehicle on the road.

Illegal parking that poses an obstruction or danger to others.

A vehicle is involved in a crime or is held as evidence by the police.

Driving a foreign-registered vehicle without being taxed, registered, and insured beyond the allowed time.

What does police impound insurance cover?

Impound insurance offers several key components that are legally required for a vehicle to be released from a police impound. 

Third party only cover

The primary purpose of this type of policy is to retrieve a car from an impound. That’s why you get the minimum legally required level of coverage, third party only. If you want comprehensive coverage for your vehicle once it’s released, you’ll have to apply for additional insurance. 

30 Days of cover

You’re required to prove a minimum of 30 days of continuous coverage to collect your vehicle. That’s why you won’t find impound insurance policies for fewer days. These policies cover your vehicle for exactly 30 days. They’re perfectly designed to serve their purpose of releasing your car from police custody. 

Immediate cover

Your insurance can be active and registered within 24 hours if you have all your documents and information ready. This enables you to reclaim your car quickly. Every day your vehicle is kept in the impound, you’ll be charged storage fees, so you’ll want to get your cover as soon as possible. 

Travel within the UK

These policies usually allow you to travel anywhere within the UK for 30 days. Some policies may include cover for driving in EU areas. However, this is not a given, so we encourage you to shop around if this is important to you. 

Coverage for private use only

Police impound protection typically covers you for social, domestic, or pleasure purposes only. It does not include cover for business usage. 

How much does police impound insurance cost?

The actual price you pay for 30-Day impound insurance depends on several risk factors. These include your age, driving history, type of driving licence, and the type and value of the impounded vehicle. To know how much it would cost you, we recommend sourcing multiple quotes from various insurers. This way, you’ll get a good idea of which deals fit your needs and your budget best. 

How can I get a quote?

You can get multiple police impound insurance quotes by filling out the form on our website. Once you’ve provided your information, we’ll connect you with a wide range of trusted UK insurers who will contact you within minutes. With multiple quotes in hand, you can compare and choose the policy that suits you best. 

Police impound car insurance FAQs

What happens if police catch you without insurance?

There are serious consequences for driving without insurance. You can get a fixed penalty notice with a hefty fine and 6 penalty points on your licence. Your vehicle could also be seized by the police. If you don’t produce the required impound insurance, they have the right to sell or crush your vehicle. 

Does normal insurance cover police impounds?

No. Standard insurance policies don’t usually cover impounded vehicles. That’s because of the higher-risk status. UK police require insurance that meets the strict criteria for releasing an impounded vehicle. That’s why you’ll need police impound coverage. It offers 30 days of third party only coverage and is issued with a CID code, essential for releasing a vehicle. 

Why is impound insurance so expensive?

The average police impound insurance cost is high for the number of days it covers. This is because the drivers and situations involved are considered riskier than average. These policies are highly specialised and only offered by a small number of specialist insurers. 

How can I get cheap police impound insurance?

You can increase the likelihood of securing cheaper police impound insurance by comparing multiple quotes. It’s also important to keep a low risk profile. You can do this by keeping a clean driving record and having a valid licence. Taking these steps could improve your chances of sourcing cheaper quotes. 

Can police impound your car for having no insurance?

Yes, they can. If you have a clean driving record without prior convictions, you may get off with a fine and penalty points on your licence. However, the police do have the right to impound your car, too. This typically happens if you are a repeat offender.

How do police check insurance?

Police check insurance primarily by verifying your details on the Motor Insurance Database (MID). This is an electronic system that contains insurance information for all vehicles in the UK. It’s important to know that although your policy can be available within minutes, it can take longer to register on the MID. 

Do I need to insure my car if it’s in a police pound?

Yes, you do. If your car is seized by police for no insurance, it is important to understand the process of getting it back and the insurance requirements involved. Standard insurance does not satisfy the legal requirements. That’s why you need specialised police impound policies. With this insurance in place, your vehicle can be released quickly.  

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