Driving on Provisional License

silvercar

Can someone explain TWOC in the case of a married couple where the car is jointly owned. One person would be the registered keeper, but that would not stop the car being jointly owned, particularly in the case of people with joint finances and/ or where both have contributed to the purchase of the car.

birkee

silvercar wrote: »

Can someone explain TWOC in the case of a married couple where the car is jointly owned. One person would be the registered keeper, but that would not stop the car being jointly owned, particularly in the case of people with joint finances and/ or where both have contributed to the purchase of the car.

Jointly owned car?

Methinks not! The car will only be registered in ONE name, and that's the one who will take responsibilty for ownership and all infringements of the regulations. Untaxed, No MOT etc.
How do they take action against an offence, with more than one named owner?
He didn't tax it!..... She didn't tax it!..... He was driving!...... She was driving!
In the eyes of the law, HE owns the car, if he's the registered keeper. She drove a car not owned by her, even if she bought and paid for it. The real ownership if otherwise, is a domestic problem.

wba31

Kilty wrote: »

Exactly - I imagine an Aston Martin owner has a pretty damn complex insurance policy anyway - so adding a learner will just be a few more thousand which I'm sure they could cope with

There's a few driving schools around with nutty cars (hot hatches, not AMs :rotfl:) and their insurance must be commercially viable....

What's the deal with trade policies? in the gym i go to (it's more a "health club" in the name of a british tennis trainer) i overheard two lads who were about 19/20 discussing the cars the one was driving, BMW 5 series, BMW 3 series coupe, Audi A4 avant, mercedes of some description. the other lad asked how he was even insured to drive these vehicles having only recently passed his test, and he responded in saying that he worked in his dad's building business, and he was on the trade policy that covered these cars?
i dont doubt that he was insured that was, but is this even legal? i mean, why does a builder want these vehicles? surely he'd need a 4x4 (and i dont mean a nice range rover sport, more something he doesnt mind damaging on site) or a van or a truck or something, not sporty saloon cars and coupes?

Flyboy152

birkee wrote: »

Jointly owned car?

Methinks not! The car will only be registered in ONE name, and that's the one who will take responsibilty for ownership and all infringements of the regulations. Untaxed, No MOT etc.
How do they take action against an offence, with more than one named owner?
He didn't tax it!..... She didn't tax it!..... He was driving!...... She was driving!
In the eyes of the law, HE owns the car, if he's the registered keeper. She drove a car not owned by her, even if she bought and paid for it. The real ownership if otherwise, is a domestic problem.

Although very questionable reasoning, the conclusion is not incorrect. A car can be jointly owned (it can also have joint registered keepers, especially when taking into account corporate bodies, leasing, financing etc.). However, it is the registered keeper who has the responsibility to be aware of who is using the car. It is the registered keeper who is liable to have it MOT'd, taxed and to make sure, that if they allow someone else to use it, they have adequate insurance and entitlement to drive it.

Flyboy152

wba31 wrote: »

What's the deal with trade policies? in the gym i go to (it's more a "health club" in the name of a british tennis trainer) i overheard two lads who were about 19/20 discussing the cars the one was driving, BMW 5 series, BMW 3 series coupe, Audi A4 avant, mercedes of some description. the other lad asked how he was even insured to drive these vehicles having only recently passed his test, and he responded in saying that he worked in his dad's building business, and he was on the trade policy that covered these cars?
i dont doubt that he was insured that was, but is this even legal? i mean, why does a builder want these vehicles? surely he'd need a 4x4 (and i dont mean a nice range rover sport, more something he doesnt mind damaging on site) or a van or a truck or something, not sporty saloon cars and coupes?

A "trade policy" is a very different product to a "group policy." A "trade policy" is one that is owned by someone who uses the vehicles in the course of the trade. A "group policy," which is more common, is provided for the cover of vehicles used by the policyholder, or their agents or employees (or anyone entitled to drive the vehicle on behalf of the policyholder). Generally speaking though, these policies have as many restrictions and exclusions as any other policy. So, it is likely that the insurance compnay charge extra for young drivers, or the policyholder is ignoring that little condition.

bitemarx

Time for an update: She got 3 points on her license and a fine of £45. Insurance company has investigated the accident and paid the other guy £250. My wife's insurance premium has increased by £10 a month. My insurance premium (for some weird reason) has decreased by £20 a month.

Huge relief.

Thanks for all the scaremongering on this thread!
There was just one sensible person who actually took the trouble to send a private message to me and describe what she thought would be the likely outcome, and she was pretty much bang on target.

Thanks again to those who actually made sensible suggestions.

Woody._2

Not a bad result for what would appear to be an aggravated twoc and driving otherwise in accordance with a licence.

rev_henry

bitemarx wrote: »

Time for an update: She got 3 points on her license and a fine of £45. Insurance company has investigated the accident and paid the other guy £250. My wife's insurance premium has increased by £10 a month. My insurance premium (for some weird reason) has decreased by £20 a month.

Huge relief.

Thanks for all the scaremongering on this thread!
There was just one sensible person who actually took the trouble to send a private message to me and describe what she thought would be the likely outcome, and she was pretty much bang on target.

Thanks again to those who actually made sensible suggestions.

Presumably just charged with driving otherwise than in accordance then?

DCFC79

Is that all that she got for driving with no full licence

atrixblue.-MFR-.

6 point probation only starts when you pass not on a provisional, so even if had 6 points that wouldnt affect her passing her test. the CPS do wierd and wonderful things dont they. drop the twoc, and prosecute for not in accordance.

she had a very forgiving mag that day, if it been a 17 yr old i suppose the book would of been thrown accross the court room into his/her face.