Will insurance pay out on other car?

AndyMc.....

Hermione_Granger wrote: »

Yes.
Even though you are driving outside of the permitted terms of your policy, the fact that there is still cover in place regarding third parties means that you are not driving without insurance.
Your vehicle won't be covered but any third party damage or injuries will be.

This is why on the bottom of your certificate of insurance is will state:

It is advising a third party that they can still claim against your policy even if you are driving outside of what that certificate state you can do.

So if the terms of an insurance policy say permitted drivers: Any licences driver. (No mention of with the policy holders permission) If that car is stolen why does the person caught driving it get charged with no insurance?

System

AndyMc..... wrote: »

Doesn’t matter.

Yeah actually it does. Commuting cover under every policy I've known only covers you to a single place of work. If you work for an agency like I do where its possible to be at 5 different places in a week then commuting doesn't cover you and you need business cover. Thankfully in my experience that has never cost me extra.

System

AndyMc..... wrote: »

So if the terms of an insurance policy say permitted drivers: Any licences driver. (No mention of with the policy holders permission) If that car is stolen why does the person caught driving it get charged with no insurance?

They may have insurance on their own car which covers them to drive other vehicles.

Then there's the "what is the point" part of this. What is the point of the police wasting money for a lower grade motoring offence when they're going to prosecute for TWOC?

AndyMc.....

Tarambor wrote: »

They may have insurance on their own car which covers them to drive other vehicles.

Then there's the "what is the point" part of this. What is the point of the police wasting money for a lower grade motoring offence when they're going to prosecute for TWOC?

Ok find us an insurance company that will cover you to drive a car you’ve just stolen.

AndyMc.....

Tarambor wrote: »

Yeah actually it does. Commuting cover under every policy I've known only covers you to a single place of work. If you work for an agency like I do where its possible to be at 5 different places in a week then commuting doesn't cover you and you need business cover. Thankfully in my experience that has never cost me extra.

Oh do keep up, he hasn’t got cover to commute.

gord115

Got confirmation off insurance they will pay out for the third party,no problem.

They asked my son if he wanted to claim for his own car and he has said no. (he knew the car could be written off due to the age and he didn't want that)

The interesting bit is the third party is claiming for himself and a passenger for whiplash even though he was alone in the car.

Thanks for all your comments.