Driving on Provisional License

heretolearn_2

All I can advise is that she learns her lesson and keeps her nose very clean in future.

We lent our car to relative to drop his wife/kids off at the airport. They asked to borrow our car (bigger than theirs). We had NO IDEA that he had no licence until months later when he was arrested for driving their own car and having a very minor accident, less than your wife's. He not only got done for no license, no insurance etc, he also got done for careless driving and as it was the second time he'd got picked up for the same thing - he went to prison for 3 months. They basically threw the book at him. He also lost his job. If she ever does this again - that's what she is risking, and good job too I say.

We were astonished at how moronic they'd been and FURIOUS that he'd taken our car out illegally as well.

rev_henry

Is that increase in insurance due to the accident, or due to the points (looking at it for that offence should be 3-6)? If just the former I imagine the insurance will go up considerably when you tell them about the points at next renewal.

One thing that hasn't been mentioned here. Fines are usually proportional to weekly income, hence the £45.

andygb

mikey72 wrote: »

She was actually.

She has invalidated her insurance by failing to have a qualified driver with her whilst driving on a public highway.
It is no different to someone tuning their car to the maximum, using non legal accesories, and then telling the insurance company that their car is absolutely standard and non modified.

andygb

mikey72 wrote: »

Probably not, the insurance has already paid him out.

I would quite honestly take all of the OPs comments with a pinch of salt, because he is hardly going to admit that we were all right and he was wrong, now is he?
Driving unsupervised with a provisional licence.
Involved in an accident which was her fault.

Supposedly, her insurance company gives the other driver £250, and she gets 3 points and a tiny fine?
I know someone who did a very similar thing to this.
He took the family car without asking (even though he was only a provisional licence holder), went for a drive, wrote it off (hit a tree, no other vehicles involved).
He has been banned for two years, 6 points on his licence £500 fine, and he had to do two months community service.

mikey72

andygb wrote: »

She has invalidated her insurance by failing to have a qualified driver with her whilst driving on a public highway.
It is no different to someone tuning their car to the maximum, using non legal accesories, and then telling the insurance company that their car is absolutely standard and non modified.

You can't invalidate third party insurance.
The company will pay, they can pursue you for the amount paid if they want to, but for £250 they aren't going to bother.

Flyboy152

heretolearn wrote: »

All I can advise is that she learns her lesson and keeps her nose very clean in future.

We lent our car to relative to drop his wife/kids off at the airport. They asked to borrow our car (bigger than theirs). We had NO IDEA that he had no licence until months later when he was arrested for driving their own car and having a very minor accident, less than your wife's. He not only got done for no license, no insurance etc, he also got done for careless driving and as it was the second time he'd got picked up for the same thing - he went to prison for 3 months. They basically threw the book at him. He also lost his job. If she ever does this again - that's what she is risking, and good job too I say.

We were astonished at how moronic they'd been and FURIOUS that he'd taken our car out illegally as well.

And the moral there is; never lend your car to friends.