Traders do it. If private motorists got an insurance policy which covered the car without explicitly mentioning, I don't see any grounds for the post office to refuse tax, though there might be one I don't know of.
By whomever is using it.
As their website states:
The Motor Insurer's Bureau was established in 1946 as a private company limited by guarantee for the purpose of entering into Agreements with the Government to compensate the victims of negligent uninsured and untraced motorists. Note: "uninsured and untraced motorists", nothing to do with uninsured vehicles.
In what way?
The car cannot be negligent. Why must the car be insured?
The owner-driver-user can be negligent. They must be insured.
No. There's legal precedence for the drivers to be insured to use the car. If leaving it on a public road is "using" it, there is a "user". That "user" must be insured. The car, as you said, can't be negligent and thus has no need of insurance.
Designed to cut down on uninsured drivers, I buttume, not as a back door attempt to require cars to be insured.
So insurance companies like to con people. They don't write the law, they just get to choose how to create pointlessly complicated discount schemes.
-- David Taylor
