insuranced on my car but not friends... advice required please

lillers

Hi all,

First post here:

I was driving my friends car from round the corner to the university (distance irrelevant i know) but i was stopped randomly at a police checkpoint. i was given a producer to bring in a copy of my insurance policy.

i have 3rd party fire and theft on my own car as a named driver on my mums insurance policy. however upon gettin home i realised my insurance doesnt cover me to drive anyone else cars...

any help or advice is greatly appreciated! thanks

gordikin

I don't know what advice your looking for. You were driving without insurance, got caught and are now going get 'done'.

iamana1ias

lillers wrote: »

Hi all,

First post here:

I was driving my friends car from round the corner to the university (distance irrelevant i know) but i was stopped randomly at a police checkpoint. i was given a producer to bring in a copy of my insurance policy.

i have 3rd party fire and theft on my own car as a named driver on my mums insurance policy. however upon gettin home i realised my insurance doesnt cover me to drive anyone else cars...

any help or advice is greatly appreciated! thanks

It doesn't cover you on your car either (if you're the main driver).

6 points and a fine for you. If you've been driving less than 2 years that will mean you lose your license.

What made you think you had cover for your friend's car?

sarahg1969

Potentially 6 points for your friend too, if he allowed you to drive. If he says he didn't, then there's a possibility of a TWOC charge against you.

If either of you have held a licence for under 2 years, you face having your licence revoked.

Try the forums at www.pepipoo.com for further advice. However, I'm not sure there's a lot you can do about this.

bouncydog1

Tough lesson hopefully learned - you can't undo what is done, but hopefully this will make you carefully read certificates of insurance to see what your policy allows you to do.

Just be very thankful that you did not get involved in an accident and injure somebody.

In my country driving without insurance is viewed very seriously and you get a minimum one year disqualification for a first offence regardless of the circumstances. It tends to make one be extra cautious in making sure that you have the cover you think you have.

Quote

lillers wrote: »

i have 3rd party fire and theft on my own car as a named driver on my mums insurance policy.

Does anyone have any idea what this means?

And on another related note, how long do you think it will be before driving other cars is removed from insurance policies completely?

cajef

lillers wrote: »

i have 3rd party fire and theft on my own car as a named driver on my mums insurance policy.

And that sounds suspiciously like 'fronting' which is illegal.

mikey72

Quote wrote: »

Does anyone have any idea what this means?

And on another related note, how long do you think it will be before driving other cars is removed from insurance policies completely?

Sounds like fronting.
I don't it will ever be removed completely, possibly a limited engine size, with a sliding age scale maybe.

raskazz

Quote wrote: »

And on another related note, how long do you think it will be before driving other cars is removed from insurance policies completely?

Insurers always talk about removing it but most won't as it's a useful feature for a lot of customers. Even if it's removed from the mass market type policies there will always be the high net worth policies like Chubb that offer it (they even allow driving other cars on a comprehensive basis for all named drivers, not just the policyholder).

Alias_Omega

Driving without insurance unfortunately, i would expect an IN10 penalty on your license, which will affect it for the next 10 years.

You could otherhand, take out some insurance like (dayinsure) asap and try to present that.....

(Day insure would be £25, and you print your own insurance certificate out, if the dumb front desk staff dont realise the time is wrong you might be ok).

raskazz

Alias_Omega wrote: »

Driving without insurance unfortunately, i would expect an IN10 penalty on your license, which will affect it for the next 10 years.

It won't affect the OP's licence for 10 years.

Alias_Omega wrote: »

You could otherhand, take out some insurance like (dayinsure) asap and try to present that.....

(Day insure would be £25, and you print your own insurance certificate out, if the dumb front desk staff dont realise the time is wrong you might be ok).

Bad idea.

If the OP tries to use such a certificate to imply that he was covered at the time of the alleged offence then he will be guilty of a further offence:

"173 Forgery of documents, etc

(1) A person who, with intent to deceive—
(a) forges, alters or uses a document or other thing to which this section applies, or
...
is guilty of an offence.

(2) This section applies to the following documents and other things—
...
(h) any certificate of insurance or certificate of security under Part VI of this Act"

He can by all means produce it to show that insurance has subsequently been purchased in an attempt to mitigate the offence, but if it is any form of temporary cover I can't see the authorities being too impressed by that.