Please help, friends boyfriend wrote off my car!

keys_2

Oh Dear ........ What a situation you are in , through none of your own fault

I would definitely follow up the case with the police as if there was a child hit on the road and killed Im sure they would be more concerned who the driver was at the time , just a shame they are not doing it now , and he is let off free to maybe go on to kill someone with his erratic driving :eek::(
Whilst also your friend { ex} takes the rap for it !!

I would go to Citizens Advice Bureau as hopefully they will point you in the right direction on how to go about this .

I know you probably know the outcome of telling your mum , but maybe { when she calms down } she will be able to help you with the cost to get the car out of the compound , which will save you money on the daily fees . As im sure she will soon realise you made a mistake but she will also like you to have a car for yourself especially after all the hassle you have had with getting your licence etc.

I personally would ask your friend for a pre agreed arrangement to pay you some if not all of the money back , or even repair costs .

Sorry to add insult but you may have to pay more insurance on the vehicle {depending on the damage } when / if you have it repaired .

Other than that I think it may just have to be a lesson learnt , but chase up a solictor after citizens advice as at least you will know you tried your best , and some money is better than nothing especially after everything you have lost

[Deleted User]

Melly35 wrote: »

Call me thick, but I'm not experienced at this & I thought after you passed your test you had to wait to get your full license back before you can legally drive, if this is not the case I am sorry.
My mum bought me the car the day after I passed & DVLA didn't receive (or most likely lost) my application for my full license, I then had to go back to my driving instrutor for help on what to do to get a replacement pass cert & wait for it, then re send it etc etc, the whole process has taken just short of 2 months & my driving instructor never mentioned I could drive before I received my full license from DVLA so I cert wasn't going to risk driving without a license when I've not even driven on my own yet, had I known I could drive my friend wouldn't have driven my car as I'd of been driving it!

It says so IIRC on the green driving test report sheet that the DSA examiner marks while on your driving test which the examiner would of given you a copy of. I'm surprised the examiner didn't offer to send back your old provisional licence in exchange for your full one to the DVLA for you. They usually do.

Gloomendoom

skiddlydiddly wrote: »

As I understand it,as you let your friend drive your uninsured car,you can be prosecuted for it.Take legal advice before you act or risk dumping yourself in it.

Her friend was insured to drive the car. Her friend's boyfriend wasn't.

She has nothing to worry about... apart from a wrecked car, that is.

pwllbwdr

Unless I'm misreading the posts, her friend wasn't insured to drive it either since there was no policy on the vehicle at all.

forgotmyname

Some insurance companies state the car must be insured by the registered keeper or owner, Others are bit vague and say you are insured 3rd party only to drive other cars with the owners consent.

An expensive lesson. very rare for someone to be fully comp on a car they do not own.
Not impossible but rare.

Remember that when selling a car as well.

somech

you need to speak to the garage and arrange a payment plan let them scrap it to stop incurring charges.
afaik her insurance is invalid as your car was not insured.
get some legal advice to sue her/his !!! if you can

Gloomendoom

pwllbwdr wrote: »

Unless I'm misreading the posts, her friend wasn't insured to drive it either since there was no policy on the vehicle at all.

There doesn't necessarily have to be. All that is required is that the driver has valid third party insurance.

Young drivers (under 25) don't tend to be offered driving other car benefiits.

However, the whole thing sounds very dodgy to me.

anewman

Gloomendoom wrote: »

There doesn't necessarily have to be. All that is required is that the driver has valid third party insurance.

Whenever instances on the Police Camera Action type programmes pop up where a car is not insured in it's own right, and the person has their own insurance policy on another car which covers them to drive other cars, the police believe this is against the law and are often shown seizing cars etc. Remember to be used on the road a car must be insured (they ask for evidence when buying road tax).

I believe only traders policies let you drive any car. Otherwise we'd all buy 1 litre fiestas with fully comp insurance, then get a Ferrari or Lamborghini and consider ourselves insured, which obviously isn't the way car insurance works.

forgotmyname

anewman wrote: »

I believe only traders policies let you drive any car. Otherwise we'd all buy 1 litre fiestas with fully comp insurance, then get a Ferrari or Lamborghini and consider ourselves insured, which obviously isn't the way car insurance works.

You could do that BUT the ferrari will only be covered 3rd party. Worth risking?

Gloomendoom

anewman wrote: »

Whenever instances on the Police Camera Action type programmes pop up where a car is not insured in it's own right, and the person has their own insurance policy on another car which covers them to drive other cars, the police believe this is against the law and are often shown seizing cars etc. Remember to be used on the road a car must be insured (they ask for evidence when buying road tax).

Like I said, the driver has to have valid insurance.

Some insurers offer driving other car benefits (DOC), some don't. Some require that the car being driven is also covered by the owner's own insurance, some don't. Others restrict such benefits to older drivers (e.g. over 25).

I believe only traders policies let you drive any car. Otherwise we'd all buy 1 litre fiestas with fully comp insurance, then get a Ferrari or Lamborghini and consider ourselves insured, which obviously isn't the way car insurance works.

Obviously not!

At least, not for those of us with DOC who actually read our policy documents, particularly the bit where it says that the 'other vehicle' must not be owned, or hired to, the policyholder. Digging deeper would also reveal that the Ferrari or Lamborghini would only covered for third party risks while were actually driving it. Not the kind of risk most of us can afford to take.