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Caught with no insurance

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Comments

  • RichGold
    RichGold Posts: 1,244 Forumite
    1,000 Posts Combo Breaker
    Woody. wrote: »
    Who told you that crap?
    As far as I'm aware, pmm1981's post is correct.
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • Woody._2
    Woody._2 Posts: 472 Forumite
    RichGold wrote: »
    As far as I'm aware, pmm1981's post is correct.

    Well you are wrong too.;)
  • societys_child
    societys_child Posts: 7,110 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 26 July 2011 at 5:09PM
    Woody. wrote: »
    Who told you that crap?

    What happens on here is, some posters make it up as they go along :rotfl:
  • puddy
    puddy Posts: 12,709 Forumite
    gaz_jones wrote: »
    Whilst I dispise people that knowingly drive uninsured, I think the OP has been given a very hard time by some of the posters in here.

    God forbid anyone on here ever makes a mistake and needs help!

    i think its the denial thats hard to stomach. everyone makes mistakes but a car has the potential to be a killing machine, so you make sure you're careful and if you make mistakces which you have been caught out for, then its time to sit back and think - why does this keep happening, why have i got 2 speeding tickets in only 8 years, why wasnt i sure enough about the insurance and mot, why do i do things like put the car into first instead of reverse.

    if the person cannot see a pattern of behaviour which is likely to cause damage, then they shouldnt be driving
  • jase1
    jase1 Posts: 2,308 Forumite
    edited 26 July 2011 at 5:41PM
    USM wrote: »
    All I can say is good. You speed in 30 zones (repeatedly), and you drive without insurance or MOT.

    You're exactly the type of person I want the police to be actively taking off the road and throwing the book at.

    Much as I hate to moralise, I have to agree with USM. Speeding in 30 zones is about the worst form of speeding possible (it's where all the kids, old people, pet animals and just generally anyone else might be running free). Driving without insurance is just not good enough either -- unless you have a £20,000 nest-egg to pay to me when you hit me. The MOT infraction I could just about accept, were it not for the other things.
    You are quite right, it's much more dangerous.

    ^This. 100 on a motorway *might* be perfectly safe under some conditions. Legally it's a no-no (and it can be very dangerous if you do it on a busy motorway), but you frankly have no right to look down your nose at motorway speeders given your record.

    TBH from what has been said here the OP sounds like that most evil of drivers, the monospeeder. 40 everywhere, never listens, doesn't pay attention, complains when caught.
  • jase1
    jase1 Posts: 2,308 Forumite
    RichGold wrote: »
    As far as I'm aware, pmm1981's post is correct.

    The only thing I can see wrong with pmm1981's post is the blanket "if you're fully comp" part.

    If you are fully comp, most insurance policies will cover you to drive any other car that is itself insured in another person's name, with that person's consent, on a third-party only basis.

    Some TPFP policies also include this clause. However, some do not -- especially policies for young/inexperienced drivers IME.

    If the car you are driving doesn't have a policy attached to it, you can still be stopped and will be liable for no insurance, regardless of the status of your policy.
  • Woody._2
    Woody._2 Posts: 472 Forumite
    jase1 wrote: »
    If the car you are driving doesn't have a policy attached to it, you can still be stopped and will be liable for no insurance, regardless of the status of your policy.


    Please show us where the RTA states that.
  • jase1
    jase1 Posts: 2,308 Forumite
    Woody. wrote: »
    Please show us where the RTA states that.

    I do not have the RTA to hand.

    However

    1) The police will act on the national insurance database to stop cars without insurance

    2) It is standard practice on all insurance policies I have seen that the "driving other vehicles" clause demands that the other car being driven is insured.

    If you are stopped (1), and cannot demonstrate that you are insured (2), I'd like to see the relevant piece of law that states that the police cannot collar you for no insurance at this point, as you are, indeed, driving a vehicle which is uninsured. Else what is to stop every 17 year old from insuring a 1.0l Micra then going out and buying an Impreza and not registering it with the correct DVLA address?
  • Quentin
    Quentin Posts: 40,405 Forumite
    jase1 wrote: »
    ....It is standard practice on all insurance policies I have seen that the "driving other vehicles" clause demands that the other car being driven is insured.

    You have been unlucky to see only policies with this demand.

    Many mainstream policies don't have this requirement.

    Maybe you need to spend more time reading policies and less time scaremongering here!
  • RichGold
    RichGold Posts: 1,244 Forumite
    1,000 Posts Combo Breaker
    jase1 wrote: »
    2) It is standard practice on all insurance policies I have seen that the "driving other vehicles" clause demands that the other car being driven is insured.
    That's the part I was referring to. I'm pretty much sure that that is universally the case, for normal fully comp policy holders to drive another car they don't own on their own policy the car they want to drive also has to have insurance insurance held for it by another party. A traders policy or other such doesn't suffice either.
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