Speed camera and insurance question

atrixblue.-MFR-.

percypercy wrote: »

I got done by a speed camera last night, driving back from B and Q. The problem is I was driving my girlfriend's 4 x 4 as I couldn't fit a whole bath into my boot.

We're both fully comp but I'm not a named driver on her insurance policy so, basically, can I come clean and take the hit regarding fine and points or do I have to pretend that it was her driving, to avoid any insurance complications?

I'd appreciate any help or advice, before the dreaded envelope drops on her doormat. Thanks.

bet you wish you paid the delivery charge for the bath now instead your gunna pay for a 3 points on you licence and higher insurance for the next five years

if my partner borrowed my car then i had a speeding ticket on my door mat and she asked me to take hit for her i'd kick her into touch fill in the form with partner name and address on, if she wasnt covered under fully comp then thats her prob yes i'd be in trouble but i'd stick to he told me he was fully comp and asked to borrow it, because of this i let her borrow it, me off hook her faceing a bigger fine more points or possible ban.

if your fully comp and covered take the hit it was your fault be more vigilant in future and carefull when driving other people cars. asking you OH to take the hit is an insult being it wasnt her fault that you put your foot down and wet over the limit with her car. YOUR RESPONSABILITY FESS UP N TAKE IT LIKE A MAN

olly300

The OP has run away.

Though I'm not surprised.

mchale

Ian_W wrote: »

Have you checked your own comprehensive insurance? It may well cover you to drive a car not owned by you on 3rd party (legal requirement) risk. Some don't - but many do.

Problem is, he was not driving a car, it was a 4x4, so even if his policy states DOV cover, if its worded as a "car" hes not covered. years ago it used to say you could drive any "vehicle" now it states "car",

Rallydriver

You shouldn't be driving a car without insurance. TBH you deserve the points / fine / ban for driving without it. If you are feeling that guilty about it then go and report yourself to the police.

However, they don't ask for details of insurance when they issue fixed penalty notices and they don't have detailed enough records to check.
When you go for insurance you'd have to declare the points and what it was for to your insurance company, but they wouldn't be asking which vehicle it was in or whether you were insured in that vehicle at the time.

So I don't really see what your issue is.

Hintza

Just give the points to your girlfriend and when she gets to 12 points get a new girlfriend.......simples.

waynedance

rev_henry wrote: »

I'm fairly sure most comprehensive policies that include any vehicle 3rd party specifically exclude driving a spouse's/partner's car from this. Whether you would fall into this category or not I am not sure.

I am pretty sure the above is correct, you can drive other cars third party but not a car at the same address.

DaveMacD

As said above, it depends on your policy. One of the reasons I left Elephant was because they dropped other vehicle cover, but never told me. Cue 6 months of driving about uninsured in other vehicles, not nice when I found that out

What I would say is that if it's your first offence, you weren't much over the limit, and you are over 25, your premium probably won't be affected much by this. There are so many people out there now with 3 points from fixed GATSO's that the first ticket is now almost meaningless with regards to premiums.

Also, as a thought, it's usually cheaper for insurance if you have each other as named drivers.

dacouch

waynedance wrote: »

I am pretty sure the above is correct, you can drive other cars third party but not a car at the same address.

This is not correct, a few Insurers (By no means the majority) stipulate they exclude your spouse or sometimes your partners car. There is no Insurer I'm aware of that stipulates cars registered at the same address

Ian_W

mchale wrote: »

Problem is, he was not driving a car, it was a 4x4, so even if his policy states DOV cover, if its worded as a "car" hes not covered. years ago it used to say you could drive any "vehicle" now it states "car",

Eh? So what would an People Carrier or Estate be classed as?
AFAIK a 4x4 is a type of car with same car tax classification requiring a car licence to drive it.
And every 4x4 I've owned (3 so far) has been covered by ... guess what?
Yup, CAR insurance!

DaveMacD

^ Same here. Only time it might not be is if it's a pick-up used for business purposes.