I'm 19, according to 1st central insurance, I can drive other people's cars?

dacouch

Foxy-Stoat wrote: »

Does the keyfacts override the policy?

What does section 4 of your policy say?

It's whether it says it on the Certificate whether you have the driving other cars extension which is the important thing.

portly1 wrote: »

I would agree but of those that do I wonder how many actually may believe that they are insured and are paying the premium but legally they aren't?

As from an answer I have received on another thread if you receive fixed penalty points, don't or can't hand over your license and it is more than 28 days after you were requested to produce your license, your license would be revoked.
It is a condition of most if not all policies that the driver either has or is entitled to a license that has not been revoked then they would be covered. Having a revoked license but still paying the premiums will still mean no valid insurance!

Most Certificates of Insurance actually say to the effect "The driver holds or has held a driving licence"

portly1

dacouch wrote: »

Most Certificates of Insurance actually say to the effect "The driver holds or has held a driving licence"

On my policy it states - "Those specified below..... provided that the person driving holds a licence to drive the vehicle or has held AND is NOT disqualified from holding or obtaining such a licence."

Would someone that has had their licence revoked due to their failure to hand it over be treated as being disqualified?

The only reason I ask is that I know that I had a speeding offence back in 1998, but because I had moved and hadn't notified a change of address, the summons could not be served. I'm just wondering that in default I was found guilty and as I didn't hand my licence over, I haven't actually had a licence for the past 14 years!!!

dacouch

portly1 wrote: »

On my policy it states - "Those specified below..... provided that the person driving holds a licence to drive the vehicle or has held AND is NOT disqualified from holding or obtaining such a licence."

Would someone that has had their licence revoked due to their failure to hand it over be treated as being disqualified?

The only reason I ask is that I know that I had a speeding offence back in 1998, but because I had moved and hadn't notified a change of address, the summons could not be served. I'm just wondering that in default I was found guilty and as I didn't hand my licence over, I haven't actually had a licence for the past 14 years!!!

There's a difference between a disqualification and a licence being revoked

Prothet_of_Doom

When my kids reach 25 (5 years to go for the 1st), and they have thier own insurance on some little hatch, I'm planning on moving to the disposable banger barge phase of my motoring journey, so that occasionally they can be entrusted with some V8 monster which is worthless, (apart from the LPG kit which I'll remove if I need to scrap it)

FTBSOS

Foxy-Stoat wrote: »

Does the keyfacts override the policy?

What does section 4 of your policy say?

this is it..

Section 4 – Liability to others
a) Your liability to others
What is covered
4.1 The insurer will cover you if there is an accident involving your car, for all amounts you are legally liable to
pay if someone else is injured or killed or their property is damaged.
Cover also applies to any accident involving injury or damage caused by a trailer, vehicle or caravan towed
by your car.
4.2 If indicated by your Certificate of Motor Insurance, and whilst you are driving any other car, the insurer will
cover you for any accident involving this car, for all amounts you are legally liable to pay if someone else is
injured or killed or their property is damaged.The following conditions must be met for this cover to apply:
you have prior permission from the owner of the car
you are still in possession of your car, and it has not been damaged beyond economical repair nor
stolen
the other car is not owned by you and is covered by another insurance policy (and is not a rental car, or
hired to you under a hire purchase or leasing agreement)
you are not named as a driver of the other car on any Certificate of Motor Insurance
you are not using this cover to remove the car in the event it has been seized by, or on behalf of, any
government or public authority
no greater level of cover is in force to cover you to drive the car under any other policy
Cover also applies to any accident involving injury or damage caused by a trailer, vehicle or caravan towed
by this car.

b) Liability cover for other people
What is covered


b) Liability cover for other people
What is covered
The insurer will also provide cover under 4.1 above for:
drivers named in the Certificate of Motor Insurance as insured to drive if your car has been involved in an
accident provided they have your permission, hold a valid driving licence, are driving in accordance with the
terms and conditions of that licence and are not disqualified from driving
anyone getting into or out of your car
anyone you allow to use (but not drive) your carfor social, domestic or pleasure purposes
the legal personal representative of anyone covered under this section if that person dies
you or your partner’s employer or business partner while your car is being used for business purposes,
provided your Certificate of Motor Insurance permits such use
c) Legal costs
What is covered
If the insurer agreesin writing beforehand, cover is provided for the following legal costs if incurred as a result of
an incident covered by this policy:12 of 33
20130601/PD/4.1/v1.5
Claims: 0800 840 2103 Customer Services: 0843 208 4000
the reasonable legal fees of solicitors who are approved by the insurer to represent anyone insured under
this policy at a coroner’s inquest or fatal accident enquiry or court of summary jurisdiction
the reasonable fees for legal services, which the insurer will arrange, for defending a charge of
manslaughter or causing death by dangerous, careless or reckless driving
d) Emergency Medical Treatment
What is covered
The insurer will pay for emergency treatment fees in accordance with the Road Traffic Act resulting from an
accident covered by this policy.
If anyone insured by this section dies the insurer will extend the cover to which they were entitled to their
personal representative.
What is not covered
amounts in excess of £20,000,000 for any claim or series of claims for loss of or damage to property
including any indirect loss or damage caused by one event, plus any amount in excess of £5,000,000 for all
costs and expenses
loss of or damage to any trailer, caravan, vehicle or goods or items therein, towed by your car
anyone who has other insurance covering the same liability
death or injury to anyone while they are working with or for the driver of the car except as set out in the
Road Traffic Act
damage to any property owned by any driver insured by this policy, or for which they are responsible, if
caused by any driver named in the Certificate of Motor Insurance
legal costs or expenses relating to charges connected with speeding, driving under the influence of alcohol
or drugs, or for parking offences
if, following an accident, you or anyone named in the Certificate of Motor Insurance is convicted of driving
whilst under the influence of alcohol or drugs, the insurer reserves the right to recover any amount from
you that it is required to pay
anyone who is not driving, but who makes a claim, if they knew the driver did not hold a valid driving licence

SailorSam

I'm 19 and I can drive other peoples cars.

If you park in one of the wrong parts of Liverpool there are kids of 14 or 15 maybe even less who think they can drive other peoples cars.