Had an accident, it turns out I'm not insured, it wasn't my fault

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  • csgohan4
    csgohan4 Posts: 10,597 Forumite
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    why did they cancel the insurance?? Not keeping up with payments?
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
  • molerat
    molerat Posts: 31,933 Forumite
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    I am still trying to figure out how reversing into someone is not the fault of the driver. Luckily it was not a child, a nun, a puppy, a kitten or any combination of the above.
  • w06
    w06 Posts: 917 Forumite
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    as you couldn't see the vehicle you reversed into you'd struggle to win any arguement that they were moving

    It does sound entirely your fault, the accident and lack of insurance

    the lack of insurance may well end up more costly

    for the future, proximity detectors and reversing cameras are very cheap these days and readilly self fitted, they also my reduce the cost of your insurance a little, it did mine.
  • payandisplay
    payandisplay Posts: 32 Forumite
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    If it was a private car park, as you say, you may not need insurance cover.
  • Quentin
    Quentin Posts: 40,405 Forumite
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    payandisplay wrote: »
    If it was a private car park, as you say, you may not need insurance cover.

    No.

    The only way your car can be uninsured is if it's SORNed
  • csgohan4
    csgohan4 Posts: 10,597 Forumite
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    Quentin wrote: »
    No.

    The only way your car can be uninsured is if it's SORNed

    you may have saved a few hundred but you will end up losing 1000's. The gambling doesn't pay off ever
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"

    G_M/ Bowlhead99 RIP
  • Auntie-Dolly
    Auntie-Dolly Posts: 1,008 Forumite
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    Why is anyone even suggesting ways the op could avoid paying for their mistake?
  • AndyMc.....
    AndyMc..... Posts: 3,248 Forumite
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    payandisplay wrote: »
    If it was a private car park, as you say, you may not need insurance cover.
    Quentin wrote: »
    No.

    The only way your car can be uninsured is if it's SORNed

    He is right in regards to the offence of using a vehicle without insurance.
  • alchemist.1
    alchemist.1 Posts: 860 Forumite
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    AndyMc..... wrote: »
    He is right in regards to the offence of using a vehicle without insurance.

    Not anymore he isnt. The law changed.
  • payandisplay
    payandisplay Posts: 32 Forumite
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    edited 16 April 2017 at 12:18PM
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    There are thousands of vehicles, operating on private land, that are neither insured nor sorned.
    The offence of using an uninsured vehicle on a public road is totally different to the offence of being the registered keeper of an uninsured vehicle.
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