Minor incident but im not insured!

dacouch

vikingaero wrote: »

You don't need to be wealthy.

We insure 11 cars as a family fleet. We used to use a Towergate Family Fleet Policy, but last year changed to Pace Ward. With Pace Ward any of us can drive any of the insured cars fully comp. And all named drivers have this extension too on 3rd party vehicles, also fully comp.

The cost was about £260 more than the Towergate policy where we had to hassle of calling up for temporary cover.

It looks good providing it's not underwritten by Tradex

htrj

Wow, what a response.

I think im in way out of my depth but if I can do something to get my pal in the clear then thats a good start. Everything else is just going to be damage limitation.

As I said before this was an oversight based on the assumption that the old ways of FC cover still applied. I know that isnt even the beginning of a defence, just the reason the oversight was made in the first place.

Ive spoken to the 3rd party to offer to pay for the repair. She sniggered and declined. I then offered her a full tank of fuel for her trouble - she was still laughing when she hung up! What was that about the season of good will?

Avoriaz

htrj wrote: »

Yesterday I borrowed a friends pickup in order to move something but the item I was carrying came loose and did some damage to vehicle travelling behind me. Nothing serious and thank god no one was hurt. ..

Who was responsible for securing the load and how and why did it come loose and fall of the truck?

You presumably.

At the risk of appearing harsh, it might not be a bad thing if you were appropriately fined and given points for driving without insurance and with an unsafe load.

It was sheer luck that nobody was killed or badly injured by this item falling in the road.

I'm not really surprised at the other driver's attitude to you in post 53 above.

OK, I'm ignoring the season of good will too.

Sgt_Pepper_2

The other driver sounds like the type to go to the police when she finds out you have no insurance.

htrj

What do a christmas turkey and me have in common?

Sgt_Pepper_2

htrj wrote: »

What do a christmas turkey and me have in common?

No insurance?

George_Michael

htrj wrote: »

What do a christmas turkey and me have in common?

Someone slaps you down on a kitchen table, spreads your legs and sticks their hand up your bum?

spacey2012

This is the reason why, cheap insurance, is never the lowest cost.
However, you wont be prosecuted unless you are reported by a police officer.
So if you have not had your details taken by a police officer yet , you might want to seek some paid for legal advice with regards to your right to silence.

Sgt_Pepper_2

spacey2012 wrote: »

This is the reason why, cheap insurance, is never the lowest cost.
However, you wont be prosecuted unless you are reported by a police officer.
So if you have not had your details taken by a police officer yet , you might want to seek some paid for legal advice with regards to your right to silence.

Why consider the right to silence?

If he is required to produce insurance he can't. So how will saying nothing help him?

UsernameAlreadyExists

rdwarr wrote: »

Possibly for you (if you actually have insurance) but not universally true. And the OP wasn't even driving another car but a pickup which is a totally different class of vehicle to insure.

Sorry to quote you again, and go backwards somewhat ... what what are the "classes" of vehicles? I thought they were classified by the licence codes. I'd consider a pickup to be a car (Code . Yes, a pickup might cost something completely different but I see it as the same class.