No Insurance?!

xocbc

The ability to driver other cars on 3rd parties is automatically removed for some professions, as I discovered a few years ago.

For example I manage a team in a local authority and our function is transport. Stating my profession as transport manager with Direct Line removed the ability as they assumed I would have cover under my employer's insurance! Stating my occupation as local government officer leaves the 3rd party cover intact.

The moral of this is of course check the certificate as soon as it arrives.

atrixblue.-MFR-.

Officer_Dibble wrote: »

Police don't caution for no insurance and as I already said he may get a ticket £200 and six points, which is the current minimun sentence.

officer dribble did i say op had no insurance op is asking for advice on her OH driving her vehicle and may not be covered others went on to say she maybe charged for permitting. heres what i said (in large bold for you to see clearly (Q) OP i wouldnt worry about the cause to permit it down to police discretion weather to charge you or not and it would be unlikely in these curcomstances as you didnt permit to drive knowing he wasnt covered as you thought he was covered and even IF the police wanted to talk to you about the situation i doubt you'd be charged more of a telling off "caution"(UQ)

atrixblue.-MFR-.

iamana1ias wrote: »

If you're going to use one word so many times you should really use the right one (ie whether)

Weather = clouds, sun, rain, snow.

oh god look out the grammar police is here everyone to your spell check :P

you an english teacher? sorry but were not in school on here (if i was in your class i'd be your worse nightmare):p

i do actually know how to spell (a in gcse english) but for the sake of posting on forums and not writing a letter to the queen i don't care about spelling.

leave your work at the door as they say

iamana1ias

atrixblue.-MFR-. wrote: »

you an english teacher? sorry but were not in school on here (if i was in your class i'd be your worse nightmare):p

No, I'm not an English teacher. I'm just someone that can be bothered.

atrixblue.-MFR-. wrote: »

i do actually know how to spell (a in gcse english) but for the sake of posting on forums and not writing a letter to the queen i don't care about spelling.

As in A for absent?

Where is your logic? You'd bother to use proper spelling and grammar for a letter to the Queen (which would be read by 1 or 2 people and certainly not Liz herself) but when writing something which can be viewed by millions/billions worldwide you can't be @rsed? Weird.

Quentin

bramble1 wrote: »

There is no exclusions on the certificate - doesn't say he's not insured to drive other cars -like mine, but doesn't say he is - like on my mum's document.

Need to look at the schedule to see if it confirms it.

You would be wasting your time scouring the schedule/policy.

As his certificate doesn't mention driving other cars, then he isn't covered to do so.

mrmichaelf

Having worked in insurance for several years, I'll just clarify, if it isn't stated on the certificate that you CAN drive other cars thrid party then you are NOT insured to do so.

Also, 9/10 companies will state you can only drive another vehicle on third party cover in an EMERGENCY SITUATION and not for day to day use, for this the person must be added to the insurance policy.

bramble1

Thanks everyone, well we produced the insurance documents so i guess now we just wait to see what happens next.

How long will they take to let us know if he has no insurance?

Quentin

mrmichaelf wrote: »

9/10 companies will state you can only drive another vehicle on third party cover in an EMERGENCY SITUATION and not for day to day use, for this the person must be added to the insurance policy.

No. That is incorrect (that 90% of policies only cover "EMERGENCY SITUATIONS")

Unnecessary scaremongering! (And if it were true, who decides what an "emergency" is?)

mrmichaelf

It is true. My insurers are very clear about it in their police booklet.

Quentin

How can your insurers speak for 90% of the market?

It isn't true of the main stream on line insurers (eg morethan/rac/privilege etc)