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Driving on Provisional License
Comments
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Thank you for the reply.
I have declared that she drove the car without my permission. Would the 6 points still go into my license? She has insurance on the vehicle, by the way. But the police have informed me that this would be void since she was driving alone.
Declaring it is one thing, proving it is another, and if there's any proof that you knew she was driving the car, and let her do so, or she was doing it on your behalf, then you could be done for perverting the course of justice, which will probably result in a jail sentence on your part.
At the very least, if your wife pleads not guilty, then you'll have a fun day in court testifying against her, which could cause some atmosphere around the dinner table!0 -
As to the whole "Did she know whether she was insured or not" argument, she had passed her theory test and insurance issues form part of that. She did knowOne important thing to remember is that when you get to the end of this sentence, you'll realise it's just my sig.0
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cardinalbiggles wrote: »Just remember that its not your fault if someone runs in the back of you! unlike the original posting on this thread
Dont let it put you off, we all stall cars from time to time the thing is to not let it stress you out.
Don't tell the perfect drivers on here that you sometimes stall! You would be accused on not knowing how to drive and that you need more driving lessons!
(I still stall when I'm not paying full attention, and I sometimes speed as well!!)0 -
Although I agree with the sentiment, the OP did have insurance. The policy should pay out on third party risk, but not on first or second.
The OP did NOT have insurance flyboy 502!
You can bet his Wife being provisional, will be on her own insurance anyway, and the minute she broke the law by driving, her insurance will be invalidated.
Also, it was not the OP who was driving, to validate his insurance cover whether it covers his Wife or not, Her driving illegally, still invalidates it.
My guess.....his insurance pays, and they sue him for repayment of the damages paid out to the third party.
Other contributers:
MISTAKE ??
How can a provisional licence holder driving outside the law be a mistake? Oh....I forgot I didn't have a full licence!.... Really!
Forgetting to use your indicator when turning,is a mistake, knowing you should have your husband beside you, and 'L' plates on, is defiance of the law.0 -
The OP did NOT have insurance flyboy 502!
You can bet his Wife being provisional, will be on her own insurance anyway, and the minute she broke the law by driving, her insurance will be invalidated.
Also, it was not the OP who was driving, to validate his insurance cover whether it covers his Wife or not, Her driving illegally, still invalidates it.
My guess.....his insurance pays, and they sue him for repayment of the damages paid out to the third party.
Other contributers:
MISTAKE ??
How can a provisional licence holder driving outside the law be a mistake? Oh....I forgot I didn't have a full licence!.... Really!
Forgetting to use your indicator when turning,is a mistake, knowing you should have your husband beside you, and 'L' plates on, is defiance of the law.
The insurance has to pay out to third parties, irrespective of what the insured was or wasn't doing at the time. The insurance company has the option then to pursue the policy holder for the their subrogated losses.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
cardinalbiggles wrote: »Just remember that its not your fault if someone runs in the back of you! unlike the original posting on this thread
Dont let it put you off, we all stall cars from time to time the thing is to not let it stress you out.
From the other direction, I once saw a young girl being taught to drive in an......Aston Martin V8.....on just about the busiest main road in B'ham, at 5pm in the evening. You can be sure there was no insurance in force in that situation, they wouldn't accept the risk. No nudge in the back from this learner, so much as pile up the next four cars in front of her.
Yes, if anyone runs into the back of you, it's their fault, UNLESS, like in my case, they pull away on an island, and when I looked right as I pulled forward, I turned back to find them reversing back because they had changed their mind, and they hit ME.
They drove off quickly without stopping in case you're wondering. Another uninsured provisional driver?0 -
The insurance has to pay out to third parties, irrespective of what the insured was or wasn't doing at the time. The insurance company has the option then to pursue the policy holder for the their subrogated losses.
If Mrs OP invalidated her insurance by driving illegally, WHY does the insurance company have any responsibility to pay out?
This could come from the fund contributed to by all insurance companies for ininsured driver accidents injuring third parties. (And paid for by the rest of us as increased premiums.) It will probably be paid out though, for administration cost cutting purposes, but you can be sure they will claim it back from the OP.
If I have insurance on car 'A', and have an accident driving car 'B', then my insurance, company has no responsibility to pay out. regardless of what I (the insured) was doing.
(Unless, I'm insured on a comprehensive policy, and it covers me to drive car 'B' third party, PROVIDING, it is not owned by me.)0 -
If Mrs OP invalidated her insurance by driving illegally, WHY does the insurance company have any responsibility to pay out?
Because by issuing a certificate of motor insurance they are bound by the Road Traffic Act 1988 to cover third party risks - as I have explained several times in this thread already!
The OP's wife had a certificate of motor insurance for "car A" and had an accident in "car A" - legal to be driving it or not the insurance company are still responsible for the risk however they can later take civil action to recover their costs.0 -
If Mrs OP invalidated her insurance by driving illegally, WHY does the insurance company have any responsibility to pay out?
This could come from the fund contributed to by all insurance companies for ininsured driver accidents injuring third parties. (And paid for by the rest of us as increased premiums.) It will probably be paid out though, for administration cost cutting purposes, but you can be sure they will claim it back from the OP.
Because they have a responsibility to the third party. That is part of the point of having third party risk insurance, made compulsory.If I have insurance on car 'A', and have an accident driving car 'B', then my insurance, company has no responsibility to pay out. regardless of what I (the insured) was doing.
(Unless, I'm insured on a comprehensive policy, and it covers me to drive car 'B' third party, PROVIDING, it is not owned by me.)
Err....yes they do, that is point of insurance in the first place.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
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