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

UsernameAlreadyExists

I love how the brainwashing is so effective.

You really do think that if I were to drive a car uninsured have an accident a cause £100Ks+ of damage - I am a total renegade law breaker and must be shot! ... but ... If I'd spent ~£20 for a days cover then everything would be ok?

Where does the money come from? My £20 won't cover it.

JimmyTheWig

UsernameAlreadyExists wrote: »

Where does the money come from? My £20 won't cover it.

It comes from the £20s that everyone else pays who don't crash.

Chopper_Read

UsernameAlreadyExists wrote: »

I love how the brainwashing is so effective.

You really do think that if I were to drive a car uninsured have an accident a cause £100Ks+ of damage - I am a total renegade law breaker and must be shot! ... but ... If I'd spent ~£20 for a days cover then everything would be ok?

Where does the money come from? My £20 won't cover it.

I love how you brainwashed yourself into thinking you were covered.

UsernameAlreadyExists

I love how brainwashed you are that you think it actually matters.

UsernameAlreadyExists

JimmyTheWig wrote: »

It comes from the £20s that everyone else pays who don't crash.

So, im my case, given that there was insurance on the car ... be it, with mine under DOC, or still under the seller ... there were 2 insurance policies that had been paid for. So ... where's the problem?

Chopper_Read

UsernameAlreadyExists wrote: »

So, im my case, given that there was insurance on the car ... be it, with mine under DOC, or still under the seller ... there were 2 insurance policies that had been paid for. So ... where's the problem?

You didn't have doc as you owed it and probably weren't on the sellers insurance

UsernameAlreadyExists

You're missing the point. I had paid for insurance. The seller had paid for insurance. So the "share" for the accident (that never happened) has been paid, twice over. My insurance was on a faster, newer, more expensive car with a much higher insurance group that could have caused a whole lot more damage, yet I was driving a significantly inferior car that was cheaper all round. So did I actually increase or decrease the risk? Also, I had paid for 2 motorbike policies that were in force as well but they were tucked safely away in the garage - "not crashing". So how am I "shafting" everyone else?

Chopper_Read

UsernameAlreadyExists wrote: »

You're missing the point. I had paid for insurance. The seller had paid for insurance. So the "share" for the accident (that never happened) has been paid, twice over. My insurance was on a faster, newer, more expensive car with a much higher insurance group that could have caused a whole lot more damage, yet I was driving a significantly inferior car that was cheaper all round. So did I actually increase or decrease the risk? Also, I had paid for 2 motorbike policies that were in force as well but they were tucked safely away in the garage - "not crashing". So how am I "shafting" everyone else?

Cause had you crashed you had no cover for your new vehicle.

UsernameAlreadyExists

Chopper_Read wrote: »

Cause had you crashed you had no cover for your new vehicle.

So I'll ask again ... because you're clearly not getting it.

UsernameAlreadyExists wrote: »

Where does the money come from?

JimmyTheWig wrote: »

It comes from the £20s that everyone else pays who don't crash.

Think McFly. Think.

JimmyTheWig

UsernameAlreadyExists wrote: »

So, im my case, given that there was insurance on the car ... be it, with mine under DOC, or still under the seller ... there were 2 insurance policies that had been paid for. So ... where's the problem?

Insurance was being paid, yes, but not the right insurance to cover you for that journey according to the rules.
Other people follow the rules and pay the £20. If 1% of people act like you and don't pay it then your costs are being bourne by the other 99%. If everyone paid up according to the rules then the price for all could go down to £19.80. I don't see why those playing by the rules should get penalised.

I'm no fan of the insurance industry. I don't like making bets where I am expected to lose (which is the definition of capitalist insurance) and some of the rules are just wrong.
But I don't see that anyone benefits when people don't play by the rules.