Lost licence :(

mikey1993

Back in November 2011 i drove my mates car back from an auction in Leominster as he bought a car and needed someone to drive his back. So i offered to as i had a full licence and was insured on another car so thought i would be insured to drive his third party. however halfway home we got stopped by police in a random check and i found out i wasnt insured to drive his car, so i received a fixed penalty of £200 and 6 points but because i have had 6 points in my first 2 years of driving i am going to have my licence revoked and i must redo my tests.
I was wondering because i have insurance on another car now, what will happen to it because i have lost my licence? (i have also already paid the full £1700 so will i lose all of it?)

thenudeone

You should ring up and cancel the policy. You will have to pay an admin fee and you'll receive a proportion of the remaining policy remaining, but it won't all be lost.

paddedjohn

Why did you think you were insured? Did your policy state that you were insured to drive another vehicle not owned by you?

molerat

You will need to declare your car SORN and get it off road to comply with the continuous insurance rules.

mikey1993

does it mean even if i retake my tests ill still lose the insurance and will have to get re-insured?

Sgt_Pepper_2

Why can't you keep your insurance and tell them you now hold a provisional licence.

vaio

if you are getting rid or SORNing the car then just cancel the insurance.

if you are keeping the car then you'll need to tell them that you have gone back to being learner and, depending on what your policy says, maybe have to tell them about the no insurance conviction

rodenal

He can, which is what I would do

Poosmate

Do you lose some points and get your licence back if you pass the tests? If so, how long do you have to wait to take the tests?

I am thinking, if you're not going to be able to get your licence back for a while you may as well sell the car and cancel the insurance. Stick that money into a savings account so you have it ready to buy a car when you get your licence back - bear in mind your insurance is going to be much higher with more points.

If it's only a case of a month or two and you'll have your licence back, personally, I'd keep the insurance going otherwise, just to make sure you're covered if it's stolen or someone damages it whilst you're not driving it.

Poo

TrickyWicky

mikey1993 wrote: »

i offered to as i had a full licence and was insured on another car so thought i would be insured to drive his third party. however halfway home we got stopped by police in a random check and i found out i wasnt insured to drive his car

Ok, this is pretty important so please answer:
1) What company are you with?
2) What does your documentation say about driving other peoples cars under 3rd party cover?
3) Does it say anything about the other persons car also being insured?

I ask as I've had this situation with Direct Lie. They happily advised me I had been driving illegally using 3rd party cover on a vehicle that had no other comprehensive insurance.

The retards at the call centre failed to realise I can be a TrickyWicky as my name suggests and I went through their own documents with a fine tooth comb. Not only did I find that they were clueless MUPPETS happy to drop anyone in it and let them suffer a criminal prosecution, I also found that they had absolutely no idea about half the terms and conditions they have in their policies.

Turns out, their policy document DID NOT specify that the other persons car needed any form of insurance on it. I had a 20 minute row with them on the phone about it where it was then escalated to management who then confirmed that the stupid bint on the phone was wrong. She not only had to apologise to me but also apologise on behalf of the company for giving out incorrect, false and potentially false evidence had their of been any police contact.

To think, they almost had me fooled too when they first told me I was uninsured - they were so confident about it all. I only caught them out because I didn't like the blokes tone that I was speaking to and decided I was going to give him hell even if I was on a looser, turned out I WAS right afterall. It doesn't change the fact that had I been tugged at the side of the road, they would of stitched me right up.

Don't trust your insurer, don't trust the police to have the correct information from them either. Check your documents just in case you've been wrongly banged to rights. If you have, they'll have to reinstate your licence and both the police and your insurers will owe you a nice little sum for compensation. The police are only interested in getting convictions to meet their targets, they're not actually interested in proving you innocent if you actually are.

Mr_Toad

TrickyWicky wrote: »

Ok, this is pretty important so please answer:
1) What company are you with?
2) What does your documentation say about driving other peoples cars under 3rd party cover?
3) Does it say anything about the other persons car also being insured?

I ask as I've had this situation with Direct Lie. They happily advised me I had been driving illegally using 3rd party cover on a vehicle that had no other comprehensive insurance.

The retards at the call centre failed to realise I can be a TrickyWicky as my name suggests and I went through their own documents with a fine tooth comb. Not only did I find that they were clueless MUPPETS happy to drop anyone in it and let them suffer a criminal prosecution, I also found that they had absolutely no idea about half the terms and conditions they have in their policies.

Turns out, their policy document DID NOT specify that the other persons car needed any form of insurance on it. I had a 20 minute row with them on the phone about it where it was then escalated to management who then confirmed that the stupid bint on the phone was wrong. She not only had to apologise to me but also apologise on behalf of the company for giving out incorrect, false and potentially false evidence had their of been any police contact.

To think, they almost had me fooled too when they first told me I was uninsured - they were so confident about it all. I only caught them out because I didn't like the blokes tone that I was speaking to and decided I was going to give him hell even if I was on a looser, turned out I WAS right afterall. It doesn't change the fact that had I been tugged at the side of the road, they would of stitched me right up.

Don't trust your insurer, don't trust the police to have the correct information from them either. Check your documents just in case you've been wrongly banged to rights. If you have, they'll have to reinstate your licence and both the police and your insurers will owe you a nice little sum for compensation. The police are only interested in getting convictions to meet their targets, they're not actually interested in proving you innocent if you actually are.

A good post!

I thought that it law that other cars had to have insurance and nothing to do with the insurance company.

I'd have said you were uninsured, not because of what it did or didn't say in their policy but because of the law.