married couples WARNING

kid_buster

:mad: on the 19th october 2006 i had an accident with my car my husband is the POLICYHOLDER but because we are a married couple both drive the same car i had insurance to cover most situations so i thought after the accident i find i was not covered now i am being charged with no insurance on my vehicle because my husband changes his cars like his socks sometimes there is an over lap from one car to the other this is were this has arisen we have fully comp insurance that allows (him) to drive other cars that are not in his name because we are a married couple we thought this also applied to me but it does not. it is only the POLICYHOLDER that is my husband i have since phoned my insurance company but there is nothing can be done so please be warned always double check you policy

rdwarr

Sorry to hear of your situation and hope all works out OK for you.
Not sure I quite understand though. Do you have two cars and just one insurance policy?

rosscobley

Oh i see

So you have fully comp insurance in your husdands name but you thought you could drive any car 3rd party. But as its in your husdands name the 3rd party cover is only for him...

Im sorry to say you willl prob lose your licence now for 12 month and have a fine... You may be lucky and just have points but i would think you will get band... Plus you will have to pay for the damage for the car you was driving and maybe the other car...

newmoneysaver_2

Sorry kid buster, I am finding it really difficult to read your post, due to the lack of punctuation. Are you just a named driver on your husband policy? I thought it was standard practise that the policy holder would be covered to rive any vehicle, but the named drivers are olny covered for that car?

Edit: Just to say sorry I know this doesn't offer any help to your situation!

Woby_Tide

my eyes, my eyes

iwanttosave_2

rosscobley wrote:

Im sorry to say you willl prob lose your licence now for 12 month and have a fine... You may be lucky and just have points but i would think you will get band... Plus you will have to pay for the damage for the car you was driving and maybe the other car...

Actually, it will be more like 6 points and a fine. I can't find the link at the mo, but this is true. A ban is in an extreme case or if the magistrate hasn't had his coffee

Bossyboots

Agree with wanty. This is not an offence that is going to cause a ban unless there are already 6 - 9 points on the licence but even then it is not going to be 12 months.

Mind you, I couldn't make head nor tail of the opening post. From what I have now unravelled, I read it that the OP was driving a car her husband had acquired but was not the car insured under the policy, meaning that only he was covered to drive it under the DOC extension.

iwanttosave_2

http://www.drivingban.co.uk/drivingoffencespenalties.htm

rosscobley

it depends on the Judge at the end of the day but a mate of mine got caught with out insurance and he got band for 3 months. So it is possable but you will prob be lucky with a few points and a fine

Bossyboots

rosscobley wrote:

it depends on the Judge at the end of the day but a mate of mine got caught with out insurance and he got band for 3 months. So it is possable but you will prob be lucky with a few points and a fine

It will be a Magistrate and your driving record, mitigation and attitude will be taken into account. You only have to read our local paper every week to see that the majority of drivers don't get punished at all for the offence if they are convicted for something else at the same time and only get the minimum fine and points otherwise. Hardly surprising it is a problem in our area.

iwanttosave_2

Bossyboots wrote:

It will be a Magistrate and your driving record, mitigation and attitude will be taken into account. You only have to read our local paper every week to see that the majority of drivers don't get punished at all for the offence if they are convicted for something else at the same time and only get the minimum fine and points otherwise. Hardly surprising it is a problem in our area.

I remember reading about a lorry driver how had accounted 28 points or so in two years but was still driving because he said he would lose his job. Beggers belief really. :rolleyes: