Simply can not afford to pay speeding fine?

Nodding_Donkey

GwylimT wrote: »

However, a person requires for own insurance and vehicle to be covered to drive other cars, the OP does not appear to have a vehicle.

Where did that rubbish come from? If a car is insured for any driver then that's what it means. Whether that person gas insurance in their own right is irrelevant.

GwylimT

Nodding_Donkey wrote: »

Where did that rubbish come from? If a car is insured for any driver then that's what it means. Whether that person gas insurance in their own right is irrelevant.

A car doesn't have insurance. A human being has insurance to drive x car and some policies allow you to drive other cars but often don't offer fully comp on other cars that aren't specifically covered by the policy. If the cover doesn't cover other drives fully comp.

On some business policies a car is insured, however only approved people can drive that vehicle, not any person with a pink card.

So unless OP has a sorned and insured car, or took out temporary insurance, or they were always a named driver on the sisters policy then they were driving uninsured.

Nodding_Donkey

GwylimT wrote: »

A car doesn't have insurance. A human being has insurance to drive x car and some policies allow you to drive other cars but often don't offer fully comp on other cars that aren't specifically covered by the policy. If the cover doesn't cover other drives fully comp.

On some business policies a car is insured, however only approved people can drive that vehicle, not any person with a pink card.

So unless OP has a sorned and insured car, or took out temporary insurance, or they were always a named driver on the sisters policy then they were driving uninsured.

And some people have cars insured for any driver, is that really so hard to understand?

GwylimT

Nodding_Donkey wrote: »

And some people have cars insured for any driver, is that really so hard to understand?

Yes, its called trade insurance, which is for those working in the motor trade, many policies also only allow you to use the insurance policy during work. So if I for example was still working as a vehicle mechanic, I couldn't use the policy for personal use.

Its not at all hard to understand, yet the OP hasn't confirmed that her sister works in the motor trade, she also hasn't said if she has one of the few policies that allows the vehicle to be used for personal use.

Nodding_Donkey

Trade insurance is a completely different thing and nothing to do with having any driver on your policy.

facade

In The Olden Days (where I still live) you could get "any driver over 21" insurance.(Rather like SDP covered driving to work, no matter where it was)

My father used to have it, as he had a company car, and in theory, anyone could be sent out in it whilst he had it at work (with his permission)

When he retired, he changed it to named drivers, as it was much cheaper.
Remember this was The Olden Days (when every single thing in the whole World* was better/simpler) Whether "Any driver" insurance is still available, or whether anyone can afford it nowadays, I have no idea.

By all accounts, insurance status is only checked if you make a big fuss, like claiming the driver is long lost Uncle Tony, who lives in Deepest Darkest Peru and strangely cannot be contacted to pay the penalty.


*except medical science. We can cure a lot more diseases than then. Medical care is worse though...

GwylimT

Nodding_Donkey wrote: »

Trade insurance is a completely different thing and nothing to do with having any driver on your policy.

It isn't actually, non-trade workers could take out trade insurance, a common way for people to insure themselves if they had motoring convictions etc. It also sometimes worked out cheaper for young drivers.

As it stands now, non-motor trade businesses can have policies where the vehicle is insured, however only approved drivers can drive the vehicle.

There aren't any personal policies that allow someone to drive any vehicle without also being covered on one specific vehicle on a fully comp basis.

Minrich

To the OP.
I would suggest that you borrow the money off someone you know and pay the fixed penalty. Arrange with the person you borrowed the money from to pay it back. I am sure you know someone who would do that ?

neilmcl

tight_scotsman wrote: »

To the poster who brought up the question of insurance some folk like myself have a any driver with owners permission to drive.Yet again people jumping to conclusions when they are not aware of the facts.

Very few these days and particular those who don't have a car of their own and therefore any insurance. So it was a reasonable question to ask, especially as it may have implications as to what they do next.

Nodding_Donkey

GwylimT wrote: »

It isn't actually, non-trade workers could take out trade insurance, a common way for people to insure themselves if they had motoring convictions etc. It also sometimes worked out cheaper for young drivers.

As it stands now, non-motor trade businesses can have policies where the vehicle is insured, however only approved drivers can drive the vehicle.

There aren't any personal policies that allow someone to drive any vehicle without also being covered on one specific vehicle on a fully comp basis.

But we're not talking about trade insurance.

We are talking a bout a normal person insuring their car for 'any driver' which is quite possible and doesn't require the driver to hold any other insurance.