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

BLT_2

raskazz wrote: »

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



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.

Not as unimpressed as most of us would have been if he had hit our cars while driving without insurance.

G_M

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

VERY bad advice!

Originally Posted by lillers
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?"

I think it should read:
"I have 3rd party fire and theft on my own car as well as being a named driver on my mums insurance policy." - but that's just a guess.

iamana1ias

G_M wrote: »

Originally Posted by lillers
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?"

I think it should read:
"I have 3rd party fire and theft on my own car as well as being a named driver on my mums insurance policy." - but that's just a guess.

I don't. I think it means the OP's car is covered TPF&T but in their mother's name with them as a named driver.

Or in other words, their own insurance is probably fronted (ie void and illegal).

Alias_Omega

IN10 last for 4 years - http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_10022425

Just you have to declare it for 10 years when ask on insurance quotes.

iamana1ias

Alias_Omega wrote: »

Just you have to declare it for 10 years when ask on insurance quotes.

5 years.

...............

raskazz

Alias_Omega wrote: »

IN10 last for 4 years - http://www.direct.gov.uk/en/Motoring/DriverLicensing/EndorsementsAndDisqualifications/DG_10022425

Just you have to declare it for 10 years when ask on insurance quotes.

No you don't.

http://www.dft.gov.uk/pgr/security/crc/rehabilitationofoffendersact1974

(Unless it by some miracle resulted in a prison sentence of 6-30 months.)

NineThreeNine

iamana1ias wrote: »

5 years.

...............

Bingo. It is 5 years/60 months. You can declare it for longer; but the insurer will not rate on it (illegal to do so!) You may be lucky and find some only care/rate on it if it was in the last 2/3 years.

lillers

iamana1ias wrote: »

I don't. I think it means the OP's car is covered TPF&T but in their mother's name with them as a named driver.

Or in other words, their own insurance is probably fronted (ie void and illegal).

i dont own the car personally, i just my own car as a way of words. my mum and dad have their own cars. one in each of their own names. im just down as named driver on my mums car...

thanks for help. knew i was gettin some points n fine, just wasnt sure on how bad. lesson learned the hard way

mattymoo

lillers wrote: »

i dont own the car personally, i just my own car as a way of words. my mum and dad have their own cars. one in each of their own names. im just down as named driver on my mums car...

thanks for help. knew i was gettin some points n fine, just wasnt sure on how bad. lesson learned the hard way

But if this is the car you take with you to Uni and you are not shown as the main user, then yes, it is a fronted policy.

gordikin

Until OP returns we are guessing I think!...close the door!