Hit from behind whilst uninsured!

TrickyWicky

shaun_from_Africa wrote: »

But if your worker was stopped and it was found that they didn't have valid insurance, they have a legitimate defence if they honestly believed that they were covered under the companies insurance policy.

The law doesn't always see it like that though and the boss can always be an evil **** and save his own back by saying he never permitted them to even use it - Theft and no insurance = screwed.

shadowfnx

londonTiger wrote: »

I would never trust the "7 day insurance" from the dealer. You have no idea what type of cover it is, and never taken any documentation with you so why would you take their word for it?

I never owned a car before, I'm currently shopping around for my first car. I went to view my first banger, and took a stanav, torch (to inspect the bonnet) and a insurance quote from admiral with me. So if I were to buy it, I'd phone up admiral there and then, get insurance and drive off. The seller promised me 7 day insurance too (it ewas on their ad too), but heck. I'm not that much of a cheapskate to queeze out this pesky 7 day insurance so I just planned to get my own insurance anyway.

caveat emptor, I'd only trust a dealers 7 day insurance if it came with solid paperwork and/or it was a reputable/official dealer.

I hear what you're saying, and the lessons have been learnt. The weird thing was that Admiral were actually giving me ~£150 off the year for starting the cover seven days later.

Sgt_Pepper_2

TrickyWicky wrote: »

The law doesn't always see it like that though and the boss can always be an evil **** and save his own back by saying he never permitted them to even use it - Theft and no insurance = screwed.

That may only happen if the boss could evidence you'd never driven it before and had no cause to drive it. He'd be fooked he for say you were employed as a driver.

Cash-Strapped.T32

shaun_from_Africa wrote: »

But if your worker was stopped and it was found that they didn't have valid insurance, they have a legitimate defence if they honestly believed that they were covered under the companies insurance policy.

Absolutely correct mate (not counting for the moment the dodgy-boss point made above by tricky), and to be fair I made explicit mention of that defence in my post.

Ok, there's an exception in law for employees who assume the company policy in place, but your position does not allow for this, it demands 100% personal certainty.

However the poster who was unkindly criticising the OP was taking the stance that no matter the circumstances, the driver of any vehicle always has to personally ensure that a policy is in place, which goes above & beyond that defence.
This is why I believe his position is unworkable in practice, precisely because it goes beyond the reasonable assumptions that all of us take for granted.

Joe_Horner

Cash-Strapped.T32 wrote: »

However the poster who was unkindly criticising the OP was taking the stance that no matter the circumstances, the driver of any vehicle always has to personally ensure that a policy is in place, which goes above & beyond that defence.

Well, off out in the car in about 10 minutes, just called my insurers to make sure that I'm still covered / they haven't gone bust but no-one answered. Not sure what to do now :eek:

I know, I'll make a reasonable assumption that I am. Can't be 100% sure though

Sgt_Pepper_2

TrickyWicky wrote: »

What a load of rubbish. Traders CAN tax your vehicle on trade plates and a trade policy. You the customer can't, but the TRADER CAN. Some are even able to issue their own tax discs. How do I know that? - I used to be a CEO / traffic warden and I once stuck CLE2 notices on 5 cars outside a dealership on the pavement and reported them for no tax. I then found out that the dealer could issue and register its own tax discs and all I'd effectively done was cost them 6 months on each car and they could no longer sell them as new - they'd had to register them to tax them:rotfl: Still serves them right for causing so much hassle with the locals. I rarely ever did CLE2 tax evasion reports but these guys had been taking the pee for months.

Now there's a jobs worth.

dggar

shadowfnx wrote: »

I'm only going to pass the recording onto the police should they contact me. I haven't played it back to anyone yet, as I believe that would be against telephone recording laws. The officer at the scene said he believed the car was insured, especially since it had a new tax disc. He said I may need to prove at a later date that I was driving with insurance. I ran a check on the askMID website as soon as I got home, .....

Was this before or after you changed the date for the insurance to start.


I'm finding this whole tale very difficult to believe

shadowfnx

dggar wrote: »

Was this before or after you changed the date for the insurance to start.

That was immediately after I got home, and before I called the trader or took out my own policy.

dggar wrote: »

I'm finding this whole tale very difficult to believe

Me too.

TrickyWicky

Sgt_Pepper wrote: »

Now there's a jobs worth.

Yeah well if you'd found them parking all over the access point to your drive you'd be asking for my help too.

It's alright calling someone a jobsworth until you yourself need them and then suddenly your attitude changes. Remember that.

stuntwomble

TrickyWicky wrote: »

Yeah well if you'd found them parking all over the access point to your drive you'd be asking for my help too.

It's alright calling someone a jobsworth until you yourself need them and then suddenly your attitude changes. Remember that.

Too right!