How can you drive home when buying a car from private seller?

UsernameAlreadyExists

Johnmcl7 wrote: »

...
People have tried to play the semantics game as you have and found themselves with six points and an IN10 conviction ...
John

I'll probably be doing it again next time I buy a car/bike - so if I have an accident I'll find out and let you know.

The amusing part about an "IN10 and 6 points" is what difference does it actually make? None, other than it makes the insurance more expensive next time (the insurance that was never bought in the first place). So the solution if the insurance is now too expensive/unaffordable? errr ... don't buy it - again. And so it repeats and now ... 12 points + a BAN? so what ... people will still drive anyway. It only really matters when someone ends up behind bars. That's the only way to stop people driving.

Insurance company imposing penalties in terms of more expensive insurance is just mad - "I shall punish you by making you pay me more".

I've ranted enough out the great insurance scam on a completely different thread, so I won't bring it up again here.

Chopper_Read

UsernameAlreadyExists wrote: »

I'll probably be doing it again next time I buy a car/bike - so if I have an accident I'll find out and let you know.

The amusing part about an "IN10 and 6 points" is what difference does it actually make? None, other than it makes the insurance more expensive next time (the insurance that was never bought in the first place). So the solution if the insurance is now too expensive/unaffordable? errr ... don't buy it - again. And so it repeats and now ... 12 points + a BAN? so what ... people will still drive anyway. It only really matters when someone ends up behind bars. That's the only way to stop people driving.

Insurance company imposing penalties in terms of more expensive insurance is just mad - "I shall punish you by making you pay me more".

I've ranted enough out the great insurance scam on a completely different thread, so I won't bring it up again here.

Lets hope you get caught and have it taken off you then.;)

UsernameAlreadyExists

Chopper_Read wrote: »

Lets hope you get caught and have it taken off you then.;)

Didn't happen last time, probably won't next either. We'll have to wait and see

Chopper_Read

UsernameAlreadyExists wrote: »

Didn't happen last time, probably won't next either. We'll have to wait and see

Loving your I'm above the law attitube. You'll get what's coming one day.

UsernameAlreadyExists

Chopper_Read wrote: »

Loving your I'm above the law attitube. You'll get what's coming one day.

I sometimes drive over 30mph as well. I am a real menace to society.

benjus

I note that it's already been mentioned that DOC cover is not necessarily included in all fully comp policies. I'd just point out that the converse can be true as well - you can have DOC cover on a non-comprehensive policy.

Maybe sometime in the past DOC cover was part of what was considered "fully comprehensive", but nowadays they are separate concepts. I don't know how many insurers exclude DOC, but I think every policy I've ever had (both TPFT and Comp) has included it.

Bangton

UsernameAlreadyExists wrote: »

I sometimes drive over 30mph as well. I am a real menace to society.

Don't know about menace...annoying maybe.....

It's the people who do pay their insurance that get shafted by people like you....

UsernameAlreadyExists

Bangton wrote: »

It's the people who do pay their insurance that get shafted by people like you....

Oh really?
I'll maintain I was insured, and everyone else will maintain I wasn't but it doesn't matter anyway because there was no accident, nothing ended up in court, so there's no problem or payout.
So exactly how are you being shafted by people like me?

JimmyTheWig

UsernameAlreadyExists wrote: »

So exactly how are you being shafted by people like me?

From my point of view, "people like you" means people who drive without insurance.
Sometimes people have accidents. Even the best drivers, even the most careful drivers, even the most experienced drivers. So when "people like you" (i.e. people driving uninsured) have accidents the rest of us end up paying for it.

If you wouldn't dream of driving without insurance and honestly (despite what everyone else has said to the contrary) believed that you were insured then I think that is a little harsh on you. But from what I can see (a) I don't see how you would still (at least) think you were insured at the time and (b) you don't seem to think it was that big a deal that you weren't. So I'm reserving judgement on whether it was harsh or not.

Chopper_Read

JimmyTheWig wrote: »

From my point of view, "people like you" means people who drive without insurance.
Sometimes people have accidents. Even the best drivers, even the most careful drivers, even the most experienced drivers. So when "people like you" (i.e. people driving uninsured) have accidents the rest of us end up paying for it.

If you wouldn't dream of driving without insurance and honestly (despite what everyone else has said to the contrary) believed that you were insured then I think that is a little harsh on you. But from what I can see (a) I don't see how you would still (at least) think you were insured at the time and (b) you don't seem to think it was that big a deal that you weren't. So I'm reserving judgement on whether it was harsh or not.

I'd leave him. He appears to be in a minority of one.