No insurance! Help!

vax2002

Quentin wrote: »

The OP has posted for help, it turns out the driver had cover, the FPN can be challenged, and help has been given.

You are just digging a deeper hole.

Agree, the OP should get all the paper work and find a solicitor,do not fill in anything yet.
I would recommend very strongly against just turning up at court as it will be magistrates and they are at best "subjective" in the decision they make and in cases like this it normally has to be appealed to a higher court where the law has to be applied as opposed to subjective judgement.

mildred1978

Quentin wrote: »

The OP has posted for help, it turns out the driver had cover, the FPN can be challenged, and help has been given.

You are just digging a deeper hole.

Sometimes DOC doesn't cover spouse/partner's cars though. So he might well not be covered.

vax2002

The reason I have advised to have his contract of insurance bond certificate read is they are not written in English and what a lay person may judge to be so as we have said is not when dealing with contracts written in Legalese, what may appear an Exclusion in the contract may not be wholly binding upon the contract itself and mealy a advisory note.
The document needs to be read by someone who can understand the language in which it is written.
The solicitor will soon state if effective insurance for purposes of the road traffic act is in force.

To those who do not understand that contracts are written in a language called legalese, the best thing you can do is stop reading them and offering advice on something you can not translate.

Quentin

mildred1978 wrote: »

Sometimes DOC doesn't cover spouse/partner's cars though. So he might well not be covered.

Were this the case, there would be little point in the OP starting this thread!

We were told, though:

girlynut wrote:

BUT my partner has cover for driving other cars on HIS motor policy. So there was valid third party cover in force whilst he was driving it today.

raskazz

LordSVS wrote: »

It all comes down to the policy. He will have to check his own insurance policy to see if he can drive a uninsured car. Most policies have in the small writing, that you can drive any car as long as it's insured.

In my experience most policies do not stipulate that the "other" car has to be insured for the driving other cars extension to operate.

LordSVS wrote: »

If his policy states he can not drive uninsured vehicles, his policy will be void and he's not insured.

Absolute rubbish. If the policy does requre the "other" car to be insured in its own right the the driving other cars extension will be inoperative but in no way will his policy be "void".

I think all should follow Quentin's advice earlier in the thread and ignore LordSVS's posts.

raskazz

LordSVS wrote: »

The OP was committing an offence, that's not scaremongering, it's fact.Lord SVS

Which is fine however the crux of the OP's post was regarding the offence that her partner has been charged with. It's not a "fact" at all that he committed an offence, on the information that we have thus far. If:

1) the OP's partner's policy includes a driving other cars extension, and
2) he had permission to drive the vehicle, and
3) he had not disposed of hos own vehicle, and
4) his policy did not require the "other" vehicle to be insured in its own right

Then he is not guilty of the offence of using a vehicle uninsured against third party risks.

mildred1978

Quentin wrote: »

Were this the case, there would be little point in the OP starting this thread!

We were told, though:

I didn't get the impression that the OP had checked what exactly was covered.

Quentin

LordSVS wrote: »

My advice would be, visit a lawyer and get his paperwork looked at.....

Now you offer different advice from:

LordSVS wrote:

The OP was committing an offence, that's not scaremongering, it's fact.

We see you have made neither an attempt to "justify" your credibility by answering the points raised about your posts, nor admitted your ignorance of the DOC cover (eg the Nissan insurer does not provide any cover for the Bentley when the nissan driver is driving it with the DOC)

No chance of you standing corrected?

mikey72

As some have said, you need to check the driving other car extension on your partners insurance. Some do require the third party vehicle to be insured, some don't. All exclude vehicles owned by the policyholder, some also exclude vehicles owned by the policyholders wife/partner. Some have a lower age limit. This example also shows how on the ball the dvla are with continuous insurance, if it's been taxed but uninsured since March, and they haven't even sent a reminder letter yet!

skintandscared_2

So, hypothetically, a person could own two cars, be insured "DOC" for one of them and not bother insuring the second car at all? That makes no sense to me!