IMPORTANT: Please make sure your posts do not contain any personally identifiable information (both your own and that of others). When uploading images, please take care that you have redacted all personal information including number plates, reference numbers and QR codes (which may reveal vehicle information when scanned).
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Hire Car Speeding Ticket - Help!

Options
1235712

Comments

  • NBLondon
    NBLondon Posts: 5,698 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I assume in this case the OP did not have the owner's permission. Or is there a loophole if the hire agreement was with person A, but it gave permission to person B (eg a spouse) to also drive the car?
    I'd expect the hire agreement to explicitly limit driving to persons named on the agreement who have shown their licence to the hire company. Otherwise, their invalidating their own insurance.
    I need to think of something new here...
  • StaffsSW
    StaffsSW Posts: 5,788 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    NBLondon wrote: »
    I'd expect the hire agreement to explicitly limit driving to persons named on the agreement who have shown their licence to the hire company. Otherwise, their invalidating their own insurance.

    The only time a specific driver is named on a hire policy is if the rental company provide self-drive hire insurance. As the car came through her husbands employer, then their fleet policy will have been used. The hire company do not need to check who is entitled to drive, they only need to confirm that a valid insurance policy is in place at the commencement of the hire.

    Which leads us to the police. At the time of the event, there will have been a valid policy in place, therefore it is highly unlikely the police will take any further interest in the issue.

    That said, if the OP is already entitled to drive her husbands company car, (if he has one) then any replacement vehicle will be covered under the same terms. Likewise, the vast majority of fleet policies I have dealt with (and I have been looking at thousands over the years) tend to have some sort of emergency caveat - if the driver falls ill or is incapacitated, anyone with a valid licence can drive the car.

    Going back to the point in question, when the S172 comes to the husband, he can subsequently nominate the OP. She will then get the NIP and complete it truthfully - it does not ask for insurance details, so need to divulge them. With any luck, you can get a driver [STRIKE]condescending[/STRIKE] awareness course, and learn how 31mph will kill all the baby children.
    <--- Nothing to see here - move along --->
  • Johno100
    Johno100 Posts: 5,259 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    beamerguy wrote: »
    NOT bad advice

    The lady does not know what the picture shows. The police will already know the car is insured by her partner and normally the police will act on that, but they want to know who the driver is rather suggesting they know more than they are saying.

    As you will see below, she needs to check with her insurance company about the terms of her third party.

    Big difference picking up speeding points to a criminal charge of no insurance. So yes she needs to chat with them first, my advice stands

    Yes, it is bad advice.

    This is a speeding offence not a murder enquiry, the police aren't going to dig around about who was driving and whether they were covered by the insurance on the vehicle. Suggesting the OP go and 'confess' to no insurance at their local police station is probably the worst advice I've read on here today.
  • movilogo wrote: »
    The police will write to registered keeper about driver details. So hired car company will name OP's partner as driver. Police will assume he is the driver and will ask to take him fine/awareness course. It is very unlikely that they would spend any time to match face of driver with the named driver. Police are too overloaded nowadays and as long as they get the money (fine or speed course) they won't bother further.

    Wrong, the request will be sent to the OPs partner asking who was driving. As the keeper at the time that person has a duty no nominate the driver, who in turn will receive their own paperwork.
  • beamerguy wrote: »
    NOT bad advice

    The lady does not know what the picture shows. The police will already know the car is insured by her partner and normally the police will act on that, but they want to know who the driver is rather suggesting they know more than they are saying.

    As you will see below, she needs to check with her insurance company about the terms of her third party.


    Big difference picking up speeding points to a criminal charge of no insurance. So yes she needs to chat with them first, my advice stands

    No doubt it will say she needs the owners permission to drive the car in order to validate the third party aspect to her insurance.
    As she hasn't got that she won't be covered.

    As you stated honesty with the police is the best policy, should she also inform them about the TWOC of the car?
  • Quentin
    Quentin Posts: 40,405 Forumite
    HO87 wrote: »

    Remember: we are dealing with the criminal courts here not the county court and in the face of a Crown Prosecutor saying that the police received zero a simple certificate of posting doesn't cut much. However, a signed receipt showing that the letter was delivered carries far more weight.
    Says who?


    The police and courts don't use any special delivery or tracked service when sending out their NIPs and summonses.
  • NBLondon
    NBLondon Posts: 5,698 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    StaffsSW wrote: »
    The only time a specific driver is named on a hire policy is if the rental company provide self-drive hire insurance. As the car came through her husbands employer, then their fleet policy will have been used. The hire company do not need to check who is entitled to drive, they only need to confirm that a valid insurance policy is in place at the commencement of the hire.

    That said, if the OP is already entitled to drive her husbands company car, (if he has one) then any replacement vehicle will be covered under the same terms. Likewise, the vast majority of fleet policies I have dealt with (and I have been looking at thousands over the years) tend to have some sort of emergency caveat - if the driver falls ill or is incapacitated, anyone with a valid licence can drive the car.


    So it could depend on what Becky means by "work hire car". If it's provided through his employer then you are probably right about fleet policies and whether the employer has agreed it may be driven by a partner. If it's a car that he hired on a self-drive basis for work travel and he didn't name her as an additional driver then technically she doesn't have the owner's permission and may not be covered by any insurance.


    Either way - I agree. Admit to driving on the NIP, take the course if offered and don't volunteer any other info unless explicitly asked.
    I need to think of something new here...
  • beamerguy
    beamerguy Posts: 17,587 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Johno100 wrote: »
    Yes, it is bad advice.

    This is a speeding offence not a murder enquiry, the police aren't going to dig around about who was driving and whether they were covered by the insurance on the vehicle. Suggesting the OP go and 'confess' to no insurance at their local police station is probably the worst advice I've read on here today.

    OH, but they do ?

    Had a little chat with a DCI friend of mine, you see, its not just speeding, that is a simple one, points and a fine, the question still remains why they want to know who the driver was, I know why, but it appears you don't
  • glentoran99
    glentoran99 Posts: 5,825 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    beamerguy wrote: »
    OH, but they do ?

    Had a little chat with a DCI friend of mine, you see, its not just speeding, that is a simple one, points and a fine, the question still remains why they want to know who the driver was, I know why, but it appears you don't


    because its standard practice, otherwise how do they know who to issue the fine to?
  • beamerguy wrote: »
    OH, but they do ?

    Had a little chat with a DCI friend of mine, you see, its not just speeding, that is a simple one, points and a fine, the question still remains why they want to know who the driver was, I know why, but it appears you don't

    Well that's a really simple answer.

    They want to know who the driver is so they can deal with them for the speeding offence.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.