Insured driver, uninsured car

Stella66

My sister gave me her car to pick up her children from school as she had just come out of hospital. Somebody hit me from behind at a roundabout and accepted that he was at fault. Two people came forward as witnesses, and the police were involved. Nobody was injured but my sisters car was damaged at the back. I phoned my own insurance company (Kwik-Fit) to report the accident. I was then contacted by Albany the following day to arrange the repair of my sister's car and delivery of a replacement vehicle. The car is now at the garage. Today Kwik-fit phoned asking about my sister's insurance details. It was then that we discovered that her insurance had expired 2 days before the accident and she only renewed it 2 days after the accident. Now lm panicking, will l be asked to pay for her car and her replacement car? Will l lose my no claims bonus on my insurance? please somebody help me.

Rikki

If you drive someone else car where you are not a named driver on their insurance you use your own insurance as third party cover. Making you liable for any claim and costs.

I don't know how you will stand as the vehicle you were driving wasn't covered on an insurance policy. As basically you were driving an uninsured vehicle making your insurance invalid for this vehicle too.

I really don't know what to say.

You wont know until you explain the lack of insurance for the vehicle for four days.

FlameCloud

Rikki wrote: »

If you drive someone else car where you are not a named driver on their insurance you use your own insurance as third party cover. Making you liable for any claim and costs.

I don't know how you will stand as the vehicle you were driving wasn't covered on an insurance policy. As basically you were driving an uninsured vehicle making your insurance invalid for this vehicle too.

I really don't know what to say.

You wont know until you explain the lack of insurance for the vehicle for four days.

Then with respect, I wouldnt comment on the issue at all, especially if you are going to give wrong advice!

The car being uninsured will only impact the OP if her own policy had a clause in it under 3rd party cover stating that it needs to be insured in its own right (not all do). If it doesnt have this, you wont have to explain why it was uninsured at all- none of yours or the insurance companies business.

As you were hit from behind then presumably the third party is being held to blame, in which case their insurance company should foot the bill for damage to your sisters car. Your own insurance- kwik fit- shouldnt need to get involved at all.

Stella66

OMG, does that mean l am liable for all the expenses from my own pocket? My insurance company chose a car hire company for over £500 a week, they also chose the garage where the car was to be replaced, surely if l had to pay they could at least given me a choice to shop around. What about the other driver? He was at fault and admitted it, surely driving an uninsured car does not let him off the hook.

Rikki

FlameCloud wrote: »

Then with respect, I wouldnt comment on the issue at all, especially if you are going to give wrong advice!

The car being uninsured will only impact the OP if her own policy had a clause in it under 3rd party cover stating that it needs to be insured in its own right (not all do). If it doesnt have this, you wont have to explain why it was uninsured at all- none of yours or the insurance companies business.

As you were hit from behind then presumably the third party is being held to blame, in which case their insurance company should foot the bill for damage to your sisters car. Your own insurance- kwik fit- shouldnt need to get involved at all.

Comment accepted. I was drawing the information from my own policy.

I too hope everything works out for the OP.

danny69

I would imagine you wouldnt lose your no claims bonus because you arent the one claiming. The OP's insurance will foot the bill. I would have thought the old bill would be interested to know if you werent covered on other vehicles. If you were only insured to drive your own vehicle then your main worry would be the fact that you would have been driving a vehicle without insurance.

Quentin

The claim is being dealt with by the claims handlers who will be sending all the bills to the third party who caused the action.

If you drive into anybody else's property and damage it, it makes no difference to you being liable whether or not the other property is covered by insurance.

There should be no impact on your ncb.

Stella66

My insurance policy states that l can drive other vehicles with the owner's permission, and does not say anything about the "other vehicles" being insured. They did not ask me about my sister's insurance when l was making the claim, and when they were arranging the repair and the replacement car, it was only today when they gave a call to ask me about her insurance company and policy number. As l did not have these, l told them l will phone them tomorrow with the details, only to make this unexpected discovery which is now causing butterflies in my stomach. Maybe the other company has decided not to pay because of that even if they are at fault.

Alias_Omega

Hi, i believe the car is insured whenever you are in the car, as soon as you step out of the car, the car is not insured and can be removed by the police.

An example could be driving from private land to private land. When you step out of the car, the car is not insured anymore.

You were not driving a car with no insurance, you were insured TPO from your own car insurance company. If the car is kept on the road, an offence is commited. So of course you removed it from the drive..

you were hit from behind, not your fault. You will claim from there insurance company & all be ok.

Contact your insurance company legal department if your unsure of anything, thats what you pay the cash for.

*MF*

Quentin wrote: »

The claim is being dealt with by the claims handlers who will be sending all the bills to the third party who caused the action.

If you drive into anybody else's property and damage it, it makes no difference to you being liable whether or not the other property is covered by insurance.

There should be no impact on your ncb.

Hi ... what Quentin is telling you is correct.

From your last post - you were insured to be driving your sister's car - so don't worry on that score.

Nor should you worry about whether your sister's car was insured (at least for the purpose of the claim - needless to say the car should be insured, huh?).

You mentioned Albany - they are a claims management Company - and as Quentin has said - once they know the position, they will recover the costs involved from the third party who caused the damage - and with independent witnesses - that should (all other things being equal) should be easy.

Maybe this will help - an extract from Albany's web site - be aware of this when you speak to Albany, let them know the position, and let them advise you ...



Credit Hire Services:

* offer, where appropriate, a like for like replacement vehicle under a credit agreement - recovering the costs from the at fault driver's insurance company. Vehicles can be delivered to any registered UK address at a time and location agreed with the customer (service levels can be agreed)

* offer customers a credit protection insurance product to protect against any un-recovered hire charges

Extracted from here:

http://www.albanyassistance.co.uk/index.php?page=4

Rikki

Stella66 wrote: »

My insurance policy states that l can drive other vehicles with the owner's permission, and does not say anything about the "other vehicles" being insured. They did not ask me about my sister's insurance when l was making the claim, and when they were arranging the repair and the replacement car, it was only today when they gave a call to ask me about her insurance company and policy number. As l did not have these, l told them l will phone them tomorrow with the details, only to make this unexpected discovery which is now causing butterflies in my stomach. Maybe the other company has decided not to pay because of that even if they are at fault.

I'm sorry if I worried you with my post.
(This is how it stands with my insurance company. As I've been corrected all policies are different.)

I would follow the advice posted by Quentin and *MF*. As they've stated the claim is being made against the other driver.