Invalid car insurance - would you report someone?

JustAnotherSaver

Young lad i know of (not a friend) has modified his car. I asked if he'd notified his insurers. The censored version of his reply was no. I said he really should as he's basically driving around with no insurance. I got another mature response that basically was no.

I don't see why i should pay full whack in being honest when people like this are basically driving around no insurance.

But would you bother shopping them? If so, i don't imagine you book an appointment with the local police station, so where do you report at?

CKhalvashi

I'd prefer to pass him the phone number of a specialist (Adrian Flux comes to mind)

Otherwise, it is the responsibility of the police to deal with this.

JustAnotherSaver

CKhalvashi wrote: »

I'd prefer to pass him the phone number of a specialist (Adrian Flux comes to mind)

Otherwise, it is the responsibility of the police to deal with this.

Funny you say that - that's who he's through (Flux). He doesn't want to pay any more, which is why he refuses to declare, yet he wants the mods.

Typical immature boy.

jm2926

JustAnotherSaver wrote: »

Young lad i know of (not a friend) has modified his car. I asked if he'd notified his insurers. The censored version of his reply was no. I said he really should as he's basically driving around with no insurance. I got another mature response that basically was no.

I don't see why i should pay full whack in being honest when people like this are basically driving around no insurance.

But would you bother shopping them? If so, i don't imagine you book an appointment with the local police station, so where do you report at?

If he has an accident which is his fault his insurer will still pay out to the other party, but may not pay for his repairs. His lookout.

dacouch

jm2926 wrote: »

If he has an accident which is his fault his insurer will still pay out to the other party, but may not pay for his repairs. His lookout.

Once they've paid out to the other parties they will then pursue him for their outlay which for a young driver is normally a lot of damage and injuries so serious money.

If his parents have been stupid enough to front the policy for him it will normally be the parents who they go after for the money.

spacey2012

When in life you make trouble for others, the law of Karma often makes it for you.

ACG

Why are you asking someone what insurance they have?

I dont see what it has to do with you. You paying full whack and him not doesnt really impact you - you could be with different insurers?

Its his problem if he has an accident but to be honest if you were not a friend or relative and you asked me what insurance i had, i would probably ask what it has to do with you.

pogofish

For a moment I thought this thread was going to be about insuring one of these things:



:eek:

System

CKhalvashi wrote: »

Otherwise, it is the responsibility of the police to deal with this.

Why? He hasn't broken the law. He has Road Traffic Act insurance in place.
If he chooses not to comply with the terms of his insurance that will be a matter for his insurance company if he needs to make a claim.

Aretnap

Clifford_Pope wrote: »

Why? He hasn't broken the law. He has Road Traffic Act insurance in place.
If he chooses not to comply with the terms of his insurance that will be a matter for his insurance company if he needs to make a claim.

If he's dishonestly made a false representation to his insurer, or failed to disclose information he's required to disclose, then he's committed a criminal offence. In practice though prosecutions are not very common, and his insurers would likely be a lot more interested than the police.

A policy can also be voided from inception for non-disclosure, leaving the driver without even RTA cover in place (linky), though if I understand correctly the insurer would still have to pay out under Article 75 of the MIB rather than the RTA (and could then claim the money back from the insured, if they had any money).

SailorSam

spacey2012 wrote: »

When in life you make trouble for others, the law of Karma often makes it for you.

I keep hearing that, if only it were true.
The bad people in this world always seem to end up on top.