Lost licence :(

TrickyWicky

s_b wrote: »

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

Following on from that, if you have a partner, register the car in their name and then you can drive it using your other peoples cars extension - I've done this with almost every car we've had.

mikey72

TrickyWicky wrote: »

Following on from that, if you have a partner, register the car in their name and then you can drive it using your other peoples cars extension - I've done this with almost every car we've had.

Mine excludes partners cars as well as ones owned by me.
(Ironically though, I drive and insure her car, she drives and insures mine)
We're just named drivers on each others policies.

TrickyWicky

Weird, Direct Lie never had a problem with that with me - I rang them up and put it directly to them after checking the documents and they told me it was fine as long as it was in someone elses name and I wasn't the owner. Needless to say my SO was RK and owner for quite a few cars

That may of changed in the last couple of years though - I wouldn't use that technique to bring a car home again without checking as I've not done that for at least 3 years now and the last car I bought I pre-insured before pickup (and weirdly thats the only time I've been tugged for not having insurance on the MID too!).

Johnmcl7

Poosmate wrote: »

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?

No, the points stay on the license as normal so they will be valid for totting up for three years from the offence, on the license for four and declared to the insurers for five years. From a law point of view there is no delay in applying for the tests but in practice it will take time to get the tests booked and passed, even first time particularly if it's a busy time of year.

John

vaio

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. .......

Nah, my insurance and every other I've seen says something along the lines of "holds or has held and is not disqualified from holding" when referring to licence conditions.

I believe this is to align with some section of the RTA but in any event if, as is likely, the OP's policy says the same then the insurance can continue.

Sgt_Pepper_2

vaio wrote: »

Nah, my insurance and every other I've seen says something along the lines of "holds or has held and is not disqualified from holding" when referring to licence conditions.

I believe this is to align with some section of the RTA but in any event if, as is likely, the OP's policy says the same then the insurance can continue.

I agree, plus he can get a provisional straight away.

System

mikey72 wrote: »

Mine excludes partners cars as well as ones owned by me.
(Ironically though, I drive and insure her car, she drives and insures mine)
We're just named drivers on each others policies.

It seems to be a recent change that is creeping in. My wife's renewal this month now has the partner exclusion which wasn't there before.

Bit of a bummer as I didn't include her for my car because a) It is very rare that she drives my car and b) having a claim 2 years ago it would have bumped the cost of my insurance up. I was not going to pay the extra for her driving my car possibly once a year. and the old DOC covered the situation perfectly.

s_b

Gloomendoom wrote: »

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.

i have a motor trade policy so could just add her car to my account but pefer to keep her car separate so her no claims is as intact as mine is

vaio

!!!!!! wrote: »

It seems to be a recent change that is creeping in. My wife's renewal this month now has the partner exclusion which wasn't there before.

Bit of a bummer as I didn't include her for my car because a) It is very rare that she drives my car and b) having a claim 2 years ago it would have bumped the cost of my insurance up. I was not going to pay the extra for her driving my car possibly once a year. and the old DOC covered the situation perfectly.

I'd check that again next time because I found that adding my OH reduced my premium even though she had a couple of claims on her record

Notmyrealname

mikey72 wrote: »

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.

Every policy I've had requires the policy holder to have a valid driving licence.