Driving on Provisional License

Gordon_Hose

Hopefully they'll tell her to jog on.

What an utterly stupid thing to do! lol

photome

This has to be a wind up if the OP is going to let his wife be charged with stealing his car.

rev_henry

bitemarx wrote: »

The policy is comprehensive...would that not normally include third party cover, too?

Yes, but the question is whether the policy is voided for driving otherwise than in accordance. And then the question is whether the insurance will then chase her for the money after paying out.

You'll have to pay, iirc, £105 + £12.50 a day to get the car back, THEN any fines if the police decide to prosecute. As has been said, if you say she didn't have permission your licence will remain clean but she can forget about driving for the next few years. But then she'll probably just drive anyway because you've already demonstrated you both have no respect for the law.

Kilty_2

Gordon_Hose wrote: »

Surely by driving ALONE on a prov license, she's invalidated any insurance?

An insurer is bound by the Road Traffic Act to settle liability to third parties - it's written in law and by issuing a certificate they cannot deny this.

They can however pursue the customer for the full amount of the claim plus legal fees because they've broken the terms of the contract.

rev_henry

photome wrote: »

This has to be a wind up if the OP is going to let his wife be charged with stealing his car.

Not really. Then at least one of them will still be able to drive and get reasonably priced insurance.

Gandalfthesecond

rev_henry wrote: »

Yes, but the question is whether the policy is voided for driving otherwise than in accordance. And then the question is whether the insurance will then chase her for the money after paying out.

You'll have to pay, iirc, £150 + £20 a day to get the car back, THEN any fines if the police decide to prosecute. As has been said, if you say she didn't have permission your licence will remain clean but she can forget about driving for the next few years. But then she'll probably just drive anyway because you've already demonstrated you both have no respect for the law.

Fixed that for you.

photome

rev_henry wrote: »

Not really. Then at least one of them will still be able to drive and get reasonably priced insurance.

And as you said the other one will prob just drive anyway as they show no regard to the law

bitemarx

Just had a chat with the other driver and I suggested to him that I can pay for the damage myself and he's agreed to keep the insurance company out of it, if this is the case. Is it okay to proceed this way?

Gandalfthesecond

bitemarx wrote: »

Just had a chat with the other driver and I suggested to him that I can pay for the damage myself and he's agreed to keep the insurance company out of it, if this is the case. Is it okay to proceed this way?

Read your policy you have a duty to inform them.

bitemarx

Gandalfthesecond wrote: »

Read your policy you have a duty to inform them.

Okay, thanks. Even if I inform them, can I still pay for the damage so that it doesnt become a claim?