Speed camera and insurance question

mchale

mattymoo wrote: »

I think Mchale must be getting confused with those new Landrover Discovery 4x4 lorries and Range Rover motorbikes

Dont be silly, it was the Land Cruiser Artic model:rotfl: :rotfl:

mchale

dacouch wrote: »

So are you and Mchale saying that a 4 x 4 eg a Range Rover etc is not a car?

Can you or Mchale advise us which Insurer it is that has this supposed exclusion for 4 x 4 cars under the D.O.C extension?

It was Hastings Direct about 4/5 years ago, when I rang CS to check cover

michaelvintner

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.

Never heard of that one and it certainly isn't stated in my insurance document. Just says that I am allowed to drive a car not belonging or hired to me with the car owners permision. Cover is only 3rd party though.

Quentin

Yours is unusual. The usual certificate wording is along the lines of "policyholder may also drive a car not belonging to or hired/leased to them or their partner".

gaz_jones

Did you know you were uninsured whilst driving? If you did you deserve everything that comes your way.

percypercy

No, I assumed I was covered by both mine and her policy being fully comp. My knowledge of car insurance is very hazy (hence me asking the question in the beginning, to check where I stood) and it's obviously something I'll have to look into in more detail in the future. It look like naming her as a driver (and vice versa) is the way forward.

Thanks to everyone who has taken time to respond to my post. You've all been very helpful.

DaveMacD

Who is your insurance with?

Viper_7

Eric_Pisch wrote: »

.

If you have not received the NIP form in 14 days you can not be done for the offence (or it was a dummy sight)

no problem then... it's "lost in the post"

DaveMacD

Is it not 'issued within 14 days'?

instaunt

NickWarren wrote: »

Most fully comp policies allow you to drive another vehicle 3rd party, But you will have to check your policy to be sure.

As has been said though, Your fault, own up.

Agree and agree. And just to add that I personally think you're a bit of a nob as you obviously went out knowing that you were likely uninsured and did not think of the consequences. Everyone crashes at some point and if you had hit someone seriously injuring them for life they would have to raise the money themselves for life-long care as the government have caps on MIB payouts.

You could have destroyed someone's life.