Car accident in friends car with permission - no DOC, who is liable for cost?

skiddlydiddly

I'm surprised that the owner of the car also hasn't been charged with knowingly allowing the passenger to drive their vehicle without insurance.IIRC the driver is either doing that or the car has been TWOC and as the owner was next to them it isn't the latter.

Have either of them made injury claims?I don't normally like unfounded claims but that could cover the cost of the repairs if the insurance company aren't going to cough up.

stator

Given what you have told us I think morally the driver has no responsibility to the owner. The driver was clearly guilty of driving without insurance which is strict liability. The owner is also guilty of allowing this to happen, the police reported a woman for this on the TV last night and she wasn't even in the car in that instance.

I would advise her to tell the owner to "sit on it". Especially since the driver is now going to find it a lot more expensive to insure her own car come renewal.

olly300

Hintza wrote: »

How many of you who are reading this have any driver cover?

Something doesn't sound right here.

I do as I specifically look for it.

Lots of people presume they have it on their policy and they don't.

And I only let people i.e. close friends and family drive my car if they can afford to replace if they write it off and they are aware of that.

Likewise I only drive cars that I can afford to replace if I write them off.

vaio

I thought “any driver” cover was extinct. Do you mind sharing which companies still offers it?

dacouch

vaio wrote: »

I thought “any driver” cover was extinct. Do you mind sharing which companies still offers it?

I think he is confusing the ability to "drive any car" third party hence why he insists they understand they are liable for damage to the car.

You can buy Any Driver Cover, it is typically restricted to drivers over 25 or 30. It is very expensive as it is loaded because Insurers tend not to like the cover and you are not receiving any of the discounts for restricting the driving.

I think you will struggle to buy it on the net but a local broker would have a small percentage of companies they deal with who would offer it.

It is basically a standard part of a commercial fleet policy, where you could get cover for any driver of any age, however they would normally require details of drivers under 25 who are likely to drive.

BLT_2

skiddlydiddly wrote: »

I'm surprised that the owner of the car also hasn't been charged with knowingly allowing the passenger to drive their vehicle without insurance.IIRC the driver is either doing that or the car has been TWOC and as the owner was next to them it isn't the latter.

Have either of them made injury claims?I don't normally like unfounded claims but that could cover the cost of the repairs if the insurance company aren't going to cough up.

Exactly who are they going to make injury claims against? The driver wasn't insured

Sounds to me like a perfect case of young stupidity. Personally before I drive any car other than mine I ring up the insurance company to check the legal situation.

However hindsight is a wonderful thing, at the end of the day the driver of the car took the friends assurances at face value and the accident wasn't her fault. In her shoes I would tell her 'friend' that I would see her in court.

If nothing else this is proof that smoking does damage your wealth :rotfl:

vaio

vaio wrote: »

I thought “any driver” cover was extinct. Do you mind sharing which companies still offers it?

dacouch wrote: »

I think he is confusing the ability to "drive any car" third party hence why he insists they understand they are liable for damage to the car.

You can buy Any Driver Cover, it is typically restricted to drivers over 25 or 30. It is very expensive as it is loaded because Insurers tend not to like the cover and you are not receiving any of the discounts for restricting the driving.

I think you will struggle to buy it on the net but a local broker would have a small percentage of companies they deal with who would offer it.

It is basically a standard part of a commercial fleet policy, where you could get cover for any driver of any age, however they would normally require details of drivers under 25 who are likely to drive.

That’s what I thought, when I was younger (in the pre-net days) any driver cover (with or without age limits) it was readily available and at reasonable cost.

This was in the days when an apprentice could insure a 1600cc GT Cortina for £40 or about two weeks wages…mid-late ‘70s. The last apprentice we had was paying £1500 or 3 months wages to insure a low powered metro

More recently I’ve tried to get it for our works van and nobody I tried would offer it, some say they do and then go on to ask for driver details?????

Any suggestions as to who does it welcomed

dacouch

As I mentioned there a companies that will offer any driver, especially on a commercial vehicle if you contact a proper local broker eg not Swintons.

If you have other works vehicles it may be worth asking the Insurer of your other vehicles as they may be able to allow some kind of introductory no claims discount. If you have a few vehicles you could consider a fleet policy for the future.

The old days of cheap insurance for young drivers were because the Insurers had a "Knock for knock" agreement, this worked well for the Insurers such as Pegasus who specialised in young drivers for TPF&T. As the vast vast majority of their customers were TPF&T when they had a fault accident with another vehicle, if it was an Insurer they had a "Knock for knock" agreement with each Insurer would agree to pay for their own clients damage. On a TPF&T policy this meant the young driver's Insurer had to pay out zilch. So in effect the knock for knock agreement subsidised TPF&T premiums for young drivers which is why the Insurers did away with it in the end.

The other reason it was so cheap is this was before the government did away with a lot of the Legal Aid budget, in return for doing this they brought in the "No Win No Fee" agreements and the rest is history...

gravitytolls

Hmm, funny old story this. Your friend drove her friend's car instead of her own? So presumably she has her own insurance? If so, she should ceck her policy, if she's covered to drive another vehicle with the owners permission, she should appeal the points and fine. If she doesn't have her own insurance, is she a named driver ona nother policy, covering her to drive the vehicle she normally drives? If not, then she deserves the points and fine.

Re. the crashed vehicle, why would she believe she was covered on the friends insurance, has she ever been a named driver on it? Sounds to me like the friend lied and knew she wasn't covered, thereby no being much of a friend.

It's a bummer about the car, but if the driver wasn't at fault, I don't see why she should bear the cost, if she was, she'd better her car on ebay.

skiddlydiddly

BLT wrote: »

Exactly who are they going to make injury claims against? The driver wasn't insured

Sounds to me like a perfect case of young stupidity. Personally before I drive any car other than mine I ring up the insurance company to check the legal situation.

However hindsight is a wonderful thing, at the end of the day the driver of the car took the friends assurances at face value and the accident wasn't her fault. In her shoes I would tell her 'friend' that I would see her in court.

If nothing else this is proof that smoking does damage your wealth :rotfl:

When someone steals your car and they crash into other cars, the other cars can claim off your insurance.Now the car thief certainly isn't insured , but as the car is, unfortunately claims can be made against your policy.

I generally take policies with driving other cars so know I'm covered.