Uninsured vehicle - insured driver?

ReX

Scooby.Doo wrote: »

If you claim and your insurance company are unable to recover their cost it will be an at fault claim and you'll lose unprotected no claims.

As far I understand the claim will be covered by MIB, as part of the non insured driver promise. Plus I got a letter stating that my NCD is not affected.

But I am not familiar with the insurance business here, so I am not sure if a no fault accident with no claim is any different from a no fault indecent with MIB claim. Am I going to pay a higher premium in both cases next year?

onomatopoeia99

busybee100 wrote: »

I've been told the same thing by many brokers and underwriters. The car must always be insured, even if it's under a jockey or motor industry policy. I've just spoken to direct line, they deny, under their policies, that it's legal to drive a car owned by someone else if the car is not already insured.

The wording of their insurance certificate says otherwise, it has no clause about the vehicle requiring its own insurance. Since the certificate is the thing they provide to policyholders which documents what cover they are providing, I'll rely on that, and not what someone in a call centre says.

chrisw

busybee100 wrote: »

I've been told the same thing by many brokers and underwriters. The car must always be insured, even if it's under a jockey or motor industry policy. I've just spoken to direct line, they deny, under their policies, that it's legal to drive a car owned by someone else if the car is not already insured.

You have been told wrong or they have misunderstood your query.

LV= is another company which doesn't require the other vehicle to be insured.
From their policy document:-

Driving other cars
If your certificate of motor insurance says so, we’ll insure the policyholder and/or the NCD holder to drive a private car or van in the UK, that you don’t own, is not registered to you and not hired to you under a hire purchase or rental/leasing agreement as long as:
n you have the owner’s permission to drive the car or van;
n you have the required licence to drive the car or van;
n the car or van is registered and normally kept in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands;
n it’s not a van which has been adapted to carry passengers;
n the car or van doesn’t exceed 3.5 tonnes GVW (Gross Vehicle Weight);
n the car or van hasn’t been seized or confiscated by or on behalf of any government or public authority;
n you’re not covered by any other insurance to drive it; and
n you still have your car, it hasn’t been stolen and it hasn’t been damaged to an extent
that it’s a total loss.
Note: The cover is for third party only, so loss or damage to the car or van you’re driving isn’t covered.

Ectophile

Scooby.Doo wrote: »

If you claim and your insurance company are unable to recover their cost it will be an at fault claim and you'll lose unprotected no claims.

There are now several insurance policies, mine included, that specifically say that you will not lose your no claims discount as a result of certain types of claim that are not your fault. A common one is your car being damaged by an uninsured driver.

ReX

Ectophile wrote: »

There are now several insurance policies, mine included, that specifically say that you will not lose your no claims discount as a result of certain types of claim that are not your fault. A common one is your car being damaged by an uninsured driver.

The insurance confirmed that I am not losing the non claim discount, but still it looks like my premium will increase next year, as there is a non fault accident in my history. Out of curiosity I have just done few quotes online and it looks like it is the case.

So on top of the fact that my new car has been damaged 3 months after the purchase and the guy that committed the accident (and drives uninsured) is not being prosecuted by the Police, I will have also to pay for his negligence next year. Amazing.

Quentin

You are seeing the benefit of having a comprehensive insurance policy!

You look to have no-one to accept liability for this unidentified third party incident

And are getting the benefit of your insurers policy that fault claims (which yours is) involving unidentified third parties don't affect your existing NCD

So maybe time to see the positives in this frustrating situation and move on

(The incident won't affect the value of your new car)

ReX

Quentin wrote: »

You are seeing the benefit of having a comprehensive insurance policy!

You look to have no-one to accept liability for this unidentified third party incident

And are getting the benefit of your insurers policy that fault claims (which yours is) involving unidentified third parties don't affect your existing NCD

So maybe time to see the positives in this frustrating situation and move on

(The incident won't affect the value of your new car)

Thanks for reply - indeed I am kind of frustrated that the Police is willing to let an uninsured car drive around without even checking. I wonder if anyone will be held accountable if something bad happens (e.g. he runs over someone).

sevenhills

ReX wrote: »

Thanks for reply - indeed I am kind of frustrated that the Police is willing to let an uninsured car drive around without even checking. I wonder if anyone will be held accountable if something bad happens (e.g. he runs over someone).

The duties of a councillor do not include policing issues; complain using the polices complaints procedure or to your Police and Crime Commissioner.

Herzlos

ReX wrote: »

The insurance confirmed that I am not losing the non claim discount, but still it looks like my premium will increase next year, as there is a non fault accident in my history. Out of curiosity I have just done few quotes online and it looks like it is the case.

There are two parts to an insurance quote - the premium which will be affected by claims, etc. and the discount.
You'll still get the same discount, but the premium which is being discounted will be higher because of the accident report.