Going court need help

JQ.

esmerobbo wrote: »

I don't understand a part of this. The OP has a insurance policy for a car, it also covers him to drive another car belonging to somebody else. I was always under the impression that the other persons vehicle had to be covered by insurance?

It's a method of getting cheaper insurance.

20 year old buys high powered £2,000 Subaru Imprezza registers it in Dad's name and does not insure it. 20 year old also buys a 1.0l Toyota Yaris (to be driven by their mum) and insures it fully comp that allows them to drive other cars 3rd party (and puts mum on policy as named driver).

This enables a 20 year old to dive an Imprezza for (say) £800 per year when it should probably cost £5,000 per year. Most Insurance companies have tried to close this loophole by placing restrictions. If what's being said on here is true, I guess Quinn never did.

And no, it's not a requirement that the car being driven has it's own insurance policy, on a number of policies. However, the car is only insured whilst being driven by the person with the 3rd party cover. So if the owner parks unattended on public property then the car is uninsured.

As I said before, it's crap like this that pushes up the cost for the rest of us.

poor_student1234

JQ. wrote: »

I may be wrong and get shot down in flames, but I have 100% zero sympathy.

So you were driving a car belonging to your father. That car had no insurance policy on it, so presumably your father never actually drove it. You had been stopped by the police several times before as presumably it pings their ANPR cameras and they have to phone Quinn every time they stop you as the car you are driving has no insurance on it. Sounds like it's actually your car.

Looks to me like you can't afford to insure your car and so have a policy on a cheaper smaller less powerfull car that enables you to drive your car Third Party.

It's people like you pushing up the cost of insurance for the rest of us. Hopefully it'll be a lesson learned.

ps - have you checked the Quinn T&C's to see if they have an age restriction on the Third Party cover - it's normally 25, but I think Quinn were targetting the younger insurance market so it may not have one.

Mate i was driving my dads 2002 Peugeot 206, so what your problem.
Lets for arguements sake say i was driving my dads Porsche, whats the problem, im still paying insurance for 3rd party cover and legally im insured. So whats pushing your insurance premiums up.

'lesson learned', are u having a laugh. I thought i was genuinely insured, and im a student in the 3rd year of my degree and im not willing to pay #1000's when it wasn't my fault.

poor_student1234

dacouch wrote: »

As the matter is urgent, try giving Quinn a call, ask for a manager in the claims department, be polite and explain the situation, that you know you are covered by the policy. You are being taken to court and that ultimately Quinn will end up paying the claim as you will go through the complaints process and ultimately the Ombudsman. So it is in their interests to defend the claim correctly.

I would also mention to the manager that you will also be doing a Subject Access Report on them, which is basically requesting a copy of your file under the data protection act. This will probably show the calls you have made to them where they have confirmed you are covered by the policy etc. This may help as they may realise you mean business and that the report may show up the calls etc

As taffy has mentioned you can normally request the County Court gets transferred to a court near you, if you speak to the court they may even adjourn the case due to the circumstances to give you time to sort the issue with Quinn out.

Thank you mate, im going to give write them a letter and give them a call now and see how i get on. Thank you very much.

Also lets say it goes to court and the judge decides against me, how would they force me to pay, as ive got nothing to my name.

esmerobbo

JQ. wrote: »

It's a method of getting cheaper insurance.

20 year old buys high powered £2,000 Subaru Imprezza registers it in Dad's name and does not insure it. 20 year old also buys a 1.0l Toyota Yaris (to be driven by their mum) and insures it fully comp that allows them to drive other cars 3rd party (and puts mum on policy as named driver).

This enables a 20 year old to dive an Imprezza for (say) £800 per year when it should probably cost £5,000 per year. Most Insurance companies have tried to close this loophole by placing restrictions. If what's being said on here is true, I guess Quinn never did.

Yep understood this part its been going on a long time and needs looking at.

And no, it's not a requirement that the car being driven has it's own insurance policy, on a number of policies. However, the car is only insured whilst being driven by the person with the 3rd party cover. So if the owner parks unattended on public property then the car is uninsured.

That's the bit that threw me my policy states I can drive a car loaned to me as long as that vehicle is covered by its own policy?

As I said before, it's crap like this that pushes up the cost for the rest of us.

I agree with your last comment it cost me a lot to insure my 22 year old daughter as the main driver, as opposed to the other way round.

dacouch

I would also recommend you send a copy of the court papers to Quinn by recorded delivery and advise them that as you are insured under the policy it is in their interests to deal with the court case.

You can find details on obtaining your file from Quinn here http://www.ico.gov.uk/for_the_public/personal_information/how_manage/access_info.aspx

P.S This is an example of how sharp Quinn are with claims, they basically gave the Murrays what he thought was an interim payment but it was worded to be in full and final settlement. Quinn nearly went t!t$ up earlier this year. http://www.tribune.ie/archive/article/2007/may/20/judge-slams-quinn-direct-in-54m-dispute/

forgotmyname

When the police stop you because the car is not showing as insured on the computer, They put you in the back to question
you. You prove you have insurance. BUT...

The car is now sitting on the highway uninsured...

If anything happened involving that car who pays out???

esmerobbo

forgotmyname wrote: »

.

If anything happened involving that car who pays out???

That's what is confusing me. If you park and leave the car its uninsured?

JQ.

poor_student1234 wrote: »

Mate i was driving my dads 2002 Peugeot 206, so what your problem.
Lets for arguements sake say i was driving my dads Porsche, whats the problem, im still paying insurance for 3rd party cover and legally im insured. So whats pushing your insurance premiums up.

'lesson learned', are u having a laugh. I thought i was genuinely insured, and im a student in the 3rd year of my degree and im not willing to pay #1000's when it wasn't my fault.

Why does you dad have a car that he does not insure?

Why do you regularly drive said uninsured car?

Why do you not drive your own car?

You are aware the TP cover for other cars is meant to be for Emergencies, not as a method of driving 2 cars for the price on one.
The reason it costs the rest of us is because the insurance co. are not able to properly assess the risks and therefore properly price the insurance cover because they do not know what other cars you are driving. Case in point, you've been involved in an accident in car your insurance co new nothing about, but by your own admission you regularly drive - you must have lots of emergencies. I have have such cover on my policy and have used it once in the last 5 years. You must be driving your fathers car alot to be regularly stopped by the police.

Out of interest, how many times have the police called your insurance company? You may find that if it's more than once or twice this may form part of their case.

There are very few ins co's that would now offer such cover to a young driver for exactly this reason and it's no wonder Quinn went pop if they didn't have any restrictions in place.

You played the system and it's now costing you. I'm sure you'll find some way to wriggle out of it, so you'll probably be ok. But in future if you want to regularly drive a car, why not insure such car, it's what the rest of us do.

It's the same as fronting - the insurance will happily take your insurance premiums whilst fronting, but try and make a claim and suddenly you'll discover they knew about it all along and deny the claim.

poor_student1234

I understand about your insurance company only letting you use this extension for emergency's, but my insurers did not mind, as long as i had permission so do alot of insurers
Mate i live in a high crime area and there are plenty of police about and stop you for stupid reasons.
Mate as far as i knew as long as i was in my dads car i had cover to drive as Quinn had told me, it didnt matter if the car didnt have any insurance as i knew i had cover.

'The reason it costs the rest of us is because the insurance co. are not able to properly assess the risks and therefore properly price the insurance cover because they do not know what other cars you are driving.'

Well then they shouldnt offer this extension, i seen it and grabbed it. They led me to believe i was insured, then when i accident happens they are nowhere to be seen.

dacouch

No where in a policy wording does an Insurer say it is only for emergencies, even if they did how would they define what an emergency is.