married couples WARNING

Elliesmum

Have you changed the car and not transfered the insurance over?

headcovers

I don't think the warning is really appropriate just for married couples, the warning should be to anyone driving a car to ensure that they are either a named driver on their spouses' insurance or that they have their own insurance to drive that, or any other car.

I think that it is a little naive to assume that just because your spouse has insurance that that will cover you as a married partner.

Altarf

headcovers wrote:

I don't think the warning is really appropriate just for married couples, the warning should be to anyone driving a car to ensure that they are either a named driver on their spouses' insurance or that they have their own insurance to drive that, or any other car.

I did read about a case where someone was driving his wife's car and due to a mess up on the policy he had not been included as a named driver. When it got to court he thought that he could rely on the 'driving other cars' clause to cover him, but the problem was the policy only covered for cars not owned by him or his spouse. He got the minimum 6 points.

Bossyboots

iwanttosave wrote:

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:

You are only supposed to be able to use the employment mitigation once. This is just another example of the nancy wancy magistrates sitting in this country who don't have the bottle to make people pay the penalty.

Altarf

Bossyboots wrote:

You are only supposed to be able to use the employment mitigation once. This is just another example of the nancy wancy magistrates sitting in this country who don't have the bottle to make people pay the penalty.

Daily Mail a bit left wing for your tastes?

Gorgeous_George

Even the policyholder can only drive other cars on 3rd party insurance.

My policy states:

The Policyholder may also drive with the owner's permission a private motor car not owned by the Policyholder and not hired to the Policyholder under a hire purchase agreement.

This is amplified on the reverse of the certificate
the driving of other cars extension covers vehicles registeref in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands and is limited to third party cover only. Loss of or damage to the vehicle you are driving is not covered.

I have little sympathy for anyone who drives without insurance.



GG

Gorgeous_George

Bossyboots wrote:

You are only supposed to be able to use the employment mitigation once. This is just another example of the nancy wancy magistrates sitting in this country who don't have the bottle to make people pay the penalty.

I bet the lorry driver was a Freemason.



GG

lavidaloca

It seems OP was driving a car on which ins held was in husbands name only as he had not insured her to drive as his spouse. Fine and points I would think but would also depend upon her not having too many points on her licence to avoid a ban. Also a big misconception is to think that because you have fully comp ins and are allowed to drive other peoples cars on that ins that you are also cover fully comp for them. You're not you are covered for 3rd party only. If your spouse is the policyholder and you are insured as his spouse you cannot drive other peoples cars on that ins.

bookgirl_2

Also, if both cars are registered to your husband, he is probably not covered for driving the '2nd' car - it is his and so he needs a full policy. The driving other cars extension only covers you if it is someone elses car.

malky39

well this will teach everyone a lesson read your terms and conditions. It is the same case if you have business use on your policy it will be for the policy holder only.