Please help, friends boyfriend wrote off my car!

melorablack

I'm probably completely wrong but I thought both the car and the driver themselves needed to be insured? So if your car was uninsured, your friend would not be insured to drive it anyway (unless she had trade insurance)?

Hintza

Arlen wrote: »

What would you do if it gets stolen from there? You will be £1500 down and no car.

I for one don't insure everything. So if I had a banger off the road on the driveway Ivery much doubt if I would have it insured.

catflea

Trust me, it wont.

As a new driver the insurance for the OP may well have been more than the value of the car......

Arlen

It would have to have been insured at some point. Assuming "waiting for the license" is for it to come back from the DVLA after changing from a provisional to a full, as soon as you have a pass certificate you can drive. My first car was insured and waiting for when I passed my test. And yes the insurance was more than the value of the car at £2500 on a £1500 car but I had a car and if it was stolen I would have had money to replace it.

Hintza

Why would the MIB help you?

You have in all probability lent your car to your uninsured friend. Take her to court over the recovery of the money then it is up to her to recover it from anyone she let drive the car.

Either get on with taking her to court or write the money off. Don't expect the rest of us to pay for it.

catflea

Arlen wrote: »

And yes the insurance was more than the value of the car at £2500 on a £1500 car but I had a car and if it was stolen I would have had money to replace it.

That logic is seriously flawed. The OP has made it clear she was not driving the car, therefore to insure it for X amount and only get 60% of the insurance back (less excess of course!) in the event of a theft would be downright silly. Its like paying £250 to insure a £150 telly against theft!

In this case insurance wouldn't have covered her anyway as she was not driving and the car was taken WITH consent (albeit not by the driver in question)

Also, I do not believe the MIB will help as they are there to cover third party losses in the event of an accident which is the fault of an uninsured driver. In this case the Friends B/F is the first party - being the driver, OP being 2nd party, being the owner and 3rd party being the council who have to pay to have their barrier fixed.

custardy

Arlen wrote: »

What would you do if it gets stolen from there? You will be £1500 down and no car.

when my cars on the drive it would require them to break in
get past the alarm/immob
then maneuver the car back and forward to get it across the drive and forward enough to open the gates(they open into my small driveway)
(i have to do the same when parking to leave room for the pram to get past day to day)
then reverse the car out and off they go

so i would feel okay about it sitting there uninsured if circumstances required

[Deleted User]

Why were you waiting for your licence to come through before you drive? If you have just passed your test you can drive straight away while waiting for your full licence to come through.

Mankysteve

Arlen wrote: »

If you report it as TWOC you could get the scenes of crime officers to check the steering wheel for fingerprints.


Sorry there is no good news.

If they abandon the vehicle I would strongly suspect the police are have already checked/ in the process of who's driving they are not fools and soon realize what happened. Especially when they do a back ground check on the BF.

You could go to small claims.

vikingaero

I routinely lend things to friends and family - roofbox, satnavs etc. They know that if they lose it/gets stolen/damaged etc then they owe me a new one.

A car is different. I would still lend a car to friends and family but only if I trusted them that they were fully insured. Still even in that situation I would only lend it to them if I were prepared to write off the value of the car.

I'm afraid the OP is stuffed.