Driving without insurance

Mark_Hewitt

Takoda wrote: »

Thanks for that but maybe I didn't make myself clear enough. The friend driving me home would have their own insurance. They wouldn't own MY car so it would be OK I think.

Yep, that's one way around it, and probably one of the best, as all that matter is who is driving.

Of course, that only works when they are driving it, you'd need to have off road parking at home as once they get out, it is again, uninsured.

emsywoo123

Mark_Hewitt wrote: »

You can of course usually take a car for a test drive and be covered by your previous cars insurance on a third party basis (check the policy not all do this) - but of course if the original car is written off, this does not apply.

However once you've paid for the car it is legally yours and thus must be insured accordingly. Most insurance companies will transfer your policy onto a new car immediately if you phone them*. Indeed most will insure you on two cars for few days for no extra cost so you can do the changeover.

*This won't show up on the police computer straight away so you may get stopped, just make sure you only drive during the call centre opening hours of the insurance company and you have their number handy so the police can contact them to verify your details.

As for the OP, I'm afraid you are going to just have to suck up the punishment you get, unfortunately you are bang to rights, you were driving without insurance, and that is a serious offence.

Thank you for that info about using current insurers.
Just to mention, I was not the driver !

emsywoo123

Mark_Hewitt wrote: »

You can also be prosecuted for allowing someone to knowingly drive without insurance!

Oh my God, is this not a bit harsh?!?!

sarahg1969

Mark_Hewitt wrote: »

You can also be prosecuted for allowing someone to knowingly drive without insurance!

For allowing someone to drive a vehicle of which you are the RK or owner, yes.

vein

emsywoo123 wrote: »

Hi
My other half was in accident on Saturday, and his car was a write off. :eek: We bought a new one yesterday on ebay, and collected it last night. Obviously we did not part money until we had checked it (9pm last night) and he drove it straight home.
On his way back, he was stopped by the police and has been fined and goven points for driving without insurance. I did not realise that he had to be insured for the returning home from purchase journey (we did not want to insure until today, in case the car was rubbish and we did not buy it)
What would have been the best course of action, and is does all of teh above sound correct?
Please do not be overly critical if I have been overly thick, it has been a testing few days

If this was an auction or even a buy it now then why did you not view the car before bidding? I dont want to be nasty but you bid to buy not to view and then say no ta. That would have given you an extra day or so to arrange insurance if you won the auction.

This obviously wouldnt apply if it was just a private ad through Ebay.

emsywoo123

vein wrote: »

If this was an auction or even a buy it now then why did you not view the car before bidding? I dont want to be nasty but you bid to buy not to view and then say no ta. That would have given you an extra day or so to arrange insurance if you won the auction.

This obviously wouldnt apply if it was just a private ad through Ebay.

Good god is this an ebay debate?

iamana1ias

emsywoo123 wrote: »

Oh my God, is this not a bit harsh?!?!

Not even slightly. Would you let someone drive when drunk? No? Then why let someone drive without insurance?

movingforward2010

emsywoo123 wrote: »

Good god is this an ebay debate?

:rotfl::rotfl:

emsywoo123

sarahg1969 wrote: »

For allowing someone to drive a vehicle of which you are the RK or owner, yes.

Which I was not, so therefore I did not break any law

vein

emsywoo123 wrote: »

Good god is this an ebay debate?

You mentioned it in the OP and it is part of what has contributed to your OH getting caught by the police so surely it is pretty relevant to the debate.

If you had gone to view prior to the auction ending then the whole situation could have easily been avoided.