fathers car impounded help

mikey72

Hammyman wrote: »

Thats not been the case for many years now. In addition, many policies now offering third party use also stipulate the car must be insured in its own right.

Ones that stipulate this are very few and far between.

patman99 wrote: »

Whats the likelyhood of his insurers finding-out about the points?, a good number of insurers will ignore 6 points as far as premiums are concerned anyway. A good mate of mine picked-up 6 points in 6 months for speeding, his premiums did not increase because of it.

When you make a claim and they ask for a copy of your licence, they'll soon spot it.

mrbadexample

patman99 wrote: »

Whats the likelyhood of his insurers finding-out about the points?, a good number of insurers will ignore 6 points as far as premiums are concerned anyway. A good mate of mine picked-up 6 points in 6 months for speeding, his premiums did not increase because of it.

Whilst they might ignore a few points for speeding, they tend not to like points for no insurance. It shows you haven't been paying them (they won't look at the individual circumstances). Expect a hefty increase.

atrixblue.-MFR-.

and ofcourse, there is a possability that he could be banned and have an IN10 on his licence when he gets it back, leaving him to declair it for 5 years and never get insurance on a car anything bigger than 1.3. just coz a copper said points doesnt mean he will! down to the court. the fact he has his own insurance wich means he has his own/or access to the insured car in his name wont help! if a car is livley hood then points but if its not then a possabilty of a ban must be considdered, courts dont like youngsters who drive uninsured against TPR, i speak out of experience, i got a ban 5 years ago, my dads renewal was minus me on the policy like with other insurers they renew as and how your policy is, but my dads insurers say you must re declair a named driver on renwal and he didnt, i was stopped, they called his insurers who said nope he was insured up untill 16 days ago, summons to court, no previuos convictions- no points not even a parking fine my record was squeeky clean, they banned me 2 months! and before others say this that and other- i admit it was down to ME not my dad to check MY cover on his policy, It was down to me to make sure i was legal, i chose to be ignorant to the fact i should of done things right, i paid for my ignorance, 2 months with no wheels,£150 on the spot fine i wasnt allowed to leave court without paying it! and 5 years hiked premiums my solicitor said that i got off litely!!

dizzyblonde82

mustbemoreorganised wrote: »

He has driven my car in the past, I honestly believed that if you were fully comp and the car you were driving was fully comp then you could drive it 3rd party.

I think that sometimes it is difficult understanding insurance policies, I am 28 and have had fully comp insurance for the last 11 years and have never had the entitlement to drive other cars.

My husband only passed his test earlier this year and we selected the same options online as when taking out my policy and his fully comp certificate states that he is insured 3rd party on any other cars that he has permission to drive.

It should state either way on your son's documents as mine clearly state that I have no entitlement to drive other cars.

Quentin

mustbemoreorganised wrote: »

is it worth getting a solicitor

Your dad might want to see one.

He may be in big trouble too!

The offence of allowing his car to be driven by an uninsured driver is punished in the same way as if you had been driving uninsured! (6-8 points/possible disqualification/up to £5000 fine).

johnson293

Just to add to this, I have been 'Fully Comp' for years now, and my policy has always had the cover to drive other cars as standard, without specifically asking for it.

Just checked my current swiftcover policy, and its on there too.

Comes in handy from time to time if my car is off the road, and I can borrow dads for a day or three. Never longterm though.

Quentin

johnson293 wrote: »

Just to add to this, I have been 'Fully Comp' for years now, and my policy has always had the cover to drive other cars as standard, without specifically asking for it.

It won't be standard cover - it will be third party only! So be prepared to pay up for any damage you do to your dad's car.

johnson293

Quentin wrote: »

It won't be standard cover - it will be third party only! So be prepared to pay up for any damage you do to your dad's car.

Sorry, I realise its only 3rd party cover on the other car I'd be allowed to drive - what I meant by 'standard' was that it was always included in the policy 'as standard', and I never needed to ask for it to be included.

jackieb

johnson293 wrote: »

Sorry, I realise its only 3rd party cover on the other car I'd be allowed to drive - what I meant by 'standard' was that it was always included in the policy 'as standard', and I never needed to ask for it to be included.

But are you over 25? My son and husband are both covered for driving other cars (again, 3rd party on borrowed car) as standard on their own insurance. I'm only a named driver on both their policies so I can't.

Quentin

You need to check the certificate (not what it says in the policy) to see whether or not you have cover to drive other cars.