Lost licence :(

pendulum

masonn wrote: »

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.

https://www.askthe.police.uk/content/Q533.htm?letter=I

Gloomendoom

masonn wrote: »

A good post!

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

You are sort of right. Under the new continuous regs, unless a car is SORNed (or been off the road since before SORN was introduced) it needs to be insured. If it isn't, the registered keeper is committing an offence.

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.

If a driver has driving other car benefits, the driver is insured for third party liabilities (which is the minimum the law requires) as long as that driver is sitting in the driving seat. Unless, of course, the driver's own insurance policy requires that any car driven using those benefits be insured be insured in it's own right.

Strider590

Cancel your insurance before they do, that way you won't lose all that money.

TrickyWicky

masonn wrote: »

A good post!

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

It's a mixed situation now unfortunately. It used to be the case that the other car didn't need its own insurance and you could just jump in and drive it if you had other peoples cars on your policy. Now every car must be insured or sorn'd even if its not in use so technically you're in a sticky position. You as the driver ARE covered however the car could get the registered keeper into a spot of bother for not being on the MID. Whilst this *shouldn't* affect the driver in theory it may now do so as the government are on a hell bent crusade against the motorist for anything they can have them on.

It's an interesting potential scenario being tugged by the police. You can argue that you are insured to drive the car and they could argue the car is not insured as its not on the MID and thus seize it even though its the DVLA who enforce this new draconian piece of legislation in theory.

The op needs to check their documents as the CIE only came in a month or two back so the op may still be able to wriggle out of this if the insurers have pulled a fast one in order to save on staff training and hike premiums etc. Thsts why mikey needs to check their documents with a fine tooth comb ASAP because if their insurers are anything like Direct Lie, then they'll of told the police anything they wanted to hear without even having half a clue.

Premier_2

Sgt_Pepper wrote: »

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

They may not want him anymore, now he's been disqualified.

If they do, perhaps the OP won't be able to afford the revised premium.

:eek:

mikey72

I'd have thought maybe the op is too young, (if 1993 is his year of birth), as doc cover usually only applies for at least 21+.

Notmyrealname

mikey1993 wrote: »

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?)

Once you have lost your licence it will be void as it requires a valid licence which you do not have. You need to cancel the policy and get a refund once your licence has been revoked. You then need to buy lay up insurance for your car which covers the car against theft/fire/damage but does not allow it to be used on the road until you get a provisional licence sorted.

You also need to take your car off the road as well as in completely off.

Bad news? When you do get a licence and go for insurance, having 12 points with 6 of them being in IN offence code is going to make that £1700 you were paying look like bargain of the century.

s_b

this driving away on another policy is never a good idea whatever your small wording says
i advise my customers there is no insurance on the car they are about to drive away but some still think its ok
only a fool would drive a car they havent personally confirmed with their insurer that they can
for the record im even a named driver on my wifes insurance opolicy just in case

no offence op you thought you had done right like so many do
my advice to anyone is get a trader who is insured and has trade plates on the mid if unsure or leave the car at auction till you have confirmed cover even if you do it on your mobile

Gloomendoom

s_b wrote: »

for the record im even a named driver on my wifes insurance opolicy just in case

Even? Surely that isn't unusual.

Pretty normal for any couple who have a car each, I would have thought. Usually knocks the premium down a few quid too.

mikey72

Notmyrealname wrote: »

Once you have lost your licence it will be void as it requires a valid licence which you do not have. You need to cancel the policy and get a refund once your licence has been revoked. You then need to buy lay up insurance for your car which covers the car against theft/fire/damage but does not allow it to be used on the road until you get a provisional licence sorted.

You also need to take your car off the road as well as in completely off.

Bad news? When you do get a licence and go for insurance, having 12 points with 6 of them being in IN offence code is going to make that £1700 you were paying look like bargain of the century.

Depends entirely on the policy wording.
But certainly never void.

The op can't drive once he has his licence revoked.
Any other named driver still can.


The insurance company needs to be informed of the change as it's a material fact, but as the op can't drive, there isn't an automatic premium increase (but very likely to be for the document changes).
The insurer may decide not to continue insurance, in which case the op need to inform them he is cancelling first.

When the op regains his licence, he will be penalised.