Hello all

Before i start this thread, id like to point out that my mate IS actually my mate, and not me, my brother or a third cousin that im covering for!

My mate has 2 cars, a Rover 400 and Fiesta.

He recently got pulled in the Fiesta for no insurance so they're taking him to court over it.

He, on the other hand, swears he's got insurance for it.

But basically he's insured on the Rover fully comp, this also allows him to drive other cars. Unfortunatly he thought he was also covered on the Fiesta, but seeing as that had no insurance of its own, im pretty sure he wasnt covered.

Can some one tell me where he stands?

And if im right and he wasnt insured, are the courts likely to perform anal surgery on him or show him some lienancy for his stupidity?

Poor buggers already got 3 points for speeding, should have been more for lack of concentration but lets not go there.

Cheers.

 

I am not too sure, seems a grey area on this forum. However, ignorance is not a defence in court, sadly.

Benni.

 

not sure what the consequences are for your friend but he did break the law sadly. the car he drove had to be insured by someone else in order for his 3rd party insurance to be valid.

dont quote me but im pretty sure

 

I always thought this and so did many. However, it all depends what your insurance policy states.

As far as I can remember.

Benni.

 

Your friend is in the poo poo!!
His policy as you say allows him to drive other cars, it will also say words to the effect of,
The policy holder may also drive with the owners permission a motor car not owned by the policy holder and not hired or leased to the policy holder under a hire purchase or anuual leasing agreement.
The problem here is he DOES own the other car.
The reason they do this is so you don't buy a fiesta then use the insurance to then drive a ferrari that you also own.
It is a complete MYTH that the other car needs to be insured(on it's own policy), it does not at all, so long as legal(mot/tax etc).
If driven uninsured and there was an accident the "last man standing" rule applies with regard to any claim.
tabetha

 

100% right
if the fiesta is not in his name hes fine, if its is hes shafted

 

Is it his first affence ?

if so wouldnt worry just say hes stupid in court and he ll prob get away

with a 80 quid fine and a slapped arse

 

Gotta go with Tabetha on this one. If your mate owns the Fiesta, he is getting 6 points or more.

Only difference is that some insurance companies now DO ask for the other vehicle to be insured as their cover is for "emergency use only" if you ask them about it, i.e. you are out with someone and they are taken ill and unable to drive, etc...

That is a recent situation though I believe...

 

i'd go for 6 points and an IN10 i reckon

 

agreed, possibly 7 points though.

 

I would say also 6 points, an IN10 and a fine.

My brother in law bought a car a couple of years ago and drove it home as he thought he was covered from his policy to drive other cars.
He was stopped by a traffic car and said he was insured, he showed them the insurance for his old car which stated he could drive other cars but then said he had just bought it so effectively admitted he owned it.
3 months later he got a court summonds through the door and ended up with a 6 month ban, an IN10 and a £150 fine.
He got banned because he had been drivng for less than 2 years, so the 6 points banned him as he already had 3 points for a speeding ticket.

 

Tabetha is 100% correct

 

he is only insured on other cars that are not in his name - he has permission to drive - and that car has to have its own insurance on it by the person that owns the car..

 

aint read the whole thread but both cars need to hve an insurance policy

 

My mate read this and agreed with my comments, as he represents these cases for a living.
There has always been a clause which covers emergencies use of any other vehicle, part of basic law, same as last man rule.
tabetha

 

my insurance allows me to drive any other motor car insured or not as long as i have permission and its not in my name

 

I'm with Tabetha although I too was under the impression the other car being driven must have insurance on it for you to be able to drive it TP under your own policy.

No insurance doesn't usually result in a slight tap on the wrist (unless your a junky thief who drove the wrong way down a motorway in somebody elses car while out of your face ). I would hazzard a guess at 6 points and really good bollocking from the court.

Ignorance is no defence when it comes to legal matters

 

Did you read any of the replies?

and PMSL at the guy who reckons he'll get an £80 fine and a slapped wrist

I can see it now.

Playing dumb in court does not wash, and is likely to piss them off even more.

Go to court, appologise for being an idiot, take the punishment like a man and expect insurance prices to rocket

 

Well i thought that was a glimmer of hope for him, but sadly the pratt did own the car at the time.

I know it might sound ignorance but he did GENUINLY believe he was properly insured, he's not the type of bloke to go and do this sort of thing full well knowing he hasnt got proper cover.

I think im gona get him to ring his insurance company and see where he stands on this one, but the general consensus seems to be anal surgery.

Would it just be better for him to "throw himself at the mercy of the court" then tather than trying to plead his thought on insurance with them???

 

Nope....

 

what a silly boy! at least register the 2nd car with someone else then he'd have been fine!

 

if it goes to court tell him to be looking at 6 points for no insurance, which is a lot worse than 6 points for speeding, plus a few quid worth of fines

it all depends though on how often he was using the car, if he pleads guilty because he thought it would be ok to use it for one short trip as he was selling the car and then can get the relevant paperwork to show that it was sold he may get away with it, but still tell him to stock up on the ky as he's going to be rodgered for the next 5 eyars at least for the in10

 

I'll lick my own ear if he does. 6 Points minimum is what he is looking at.

Benni.

 

See we have had this said before ( few months ago on this bored) now as my F car insurance is up in 3 weeks i just rang them to see the price of the renewal

As i can drive any other car on my insurance etc etc.. not belonging to me etc etc.. I asked NO the other cars that i MAY need to drive for whatever reason DOES NOT need to be insured.

Only thing which would cause a problem is parking it upon a public road etc and walking away, then the owner of that car could be done for having it on the the road with no insurance..

People need to check their own insurance to be sure but assuming that the other vehicles need insurance is not always correct

 

Thats ok then

 

Porkie had a big argument with me on here saying I was wrong, even though I'd checked my policy and asked them too
Is one of those things people think they know.

 

Bloody hell u guys get off lightly! over here it's 1 year min off the roads for no insurance, over 15mph over the speed limit 2 month ban :Cry:

DIC is automatically 3 years off the roads!

No points over here just off the roads lol

 

No insurance doesn't usually result in a slight tap on the wrist (unless your a junky thief who drove the wrong way down a motorway in somebody elses car while out of your face ). I would hazzard a guess at 6 points and really good bollocking from the court.

well two of my mates recently got done for pretty much the same thing got
a pathetic fine at watford court

they must have sucked the judge off

 

So the trick here is to have your own insurance which covers driving other cars third party, register the second car in someone else's name (your mum or mrs for instance) and drive the car as long as it has mot and tax - are you still covered by insurance this way?

 

only 3rd party and, in most cases, the car will need to have some sort of valid insurance on it to begin with

 

as above and the other car cant be in you name

 

yes correct. been pulled many times like this, ie car had no insurance but i did. just gave the police the reg of the car i insure. police check that & it all comes back fine. cant park it on the road without insurance though. would need something that resembles an insurance certificate to tax the car though. i have been know to use silly made up names to register car in in the past (many years ago)

 

Yeah its like a urban myth


Also about 12 years ago i bought a yamaha fzr 1000 put it in my girlfriends name and used my car insurance to ride it (policy said motorcar-motorcycle).

3 kids on push bikes cycled infront of me and i smashed into them (30mph)
police called out etc My insurance gave me no trouble at all and i actually claimed off 1 of the kids parents house ins for my damages..
Guess what bike had no other ins on it and the police had no problem with it

 

your own fully comp insurance only covers you third party to drive cars owned by someone else and only if they have an insurance policy on that car themselves according to my insurer.

 

Mine also says the car must be insured by the owner. then i can drive it.

 

[quote=ram;3604415]not sure what the consequences are for your friend but he did break the law sadly. the car he drove had to be insured by someone else in order for his 3rd party insurance to be valid.

 

This is the thing see if we are unsure we need to check with our insurance companys they don't all sing the same tune

 

possibly 6 points and a £200 fine coming your mates way.

 

This is what im feeling aswell, some say the other car had to have its own insurance, whilst some say the other car only needed TAX and MOT and no other insurance.

I was always led to believe the other car needs to have some form of insurance of its own before your own insurance would cover it third party. But it seems either insurance companies differ or peoples opinions on this one.

And i was hoping someone would give him some good news, poor lads cringing everytime he sees this thread. Oh, he is a fellow PassionFord member, just cant say who he is for obvious reasons. But abit of advice wouldnt go a miss here people (like wether to take KY or Vaseline with him hahaha). But seriously, you know what i mean.

 

sounds like he should just bend over and bite the pillow