We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 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!
Technically Uninsured Accident
Comments
-
As AdrianC has said, Social, Social + Commuting to a single place of work & Business seem to be the general levels of cover nowadays.
Sadly I doubt there is any misunderstanding - her insurer was the person who informed her she was uninsured (unless they're mistaken their own policy).
It was as I feared, likely disastrously expensive (she works in a supermarket)...
I perhaps think I will not mention any of this to her; she may even be putting on a front to deal with it.
Sad
So if it's standard she's being doing it on the cheap and unfortunately may pay the price.0 -
Firstly, the insurer.
Unless for some bizarre reason the insurer decides that they would not normally insure your sister for commuting, then they will not be able to cancel her policy from "inception" (in this case the renewal before which she started commuting).
Instead they will levy retrospective additional premiums which will be more or less costly depending on her employment and other factors.
Secondly, plod.
I'd like to think they have better things to do, but who knows?0 -
So if it's standard she's being doing it on the cheap and unfortunately may pay the price.
What. Social + Commuting isn't 'standard' - you select your level of cover when you insure your car?? I think you're deliberately trying to vilify people.
As said before, she had social cover because she had previously only used her car socially. Her cover auto renewed every year so after moving house several years on, she had forgotten that she had to amend her policy to include commuting.Know what you don't0 -
Nobody said they would. But she was not covered at the time of the collision - just the same as if she was driving a different car to the one she was insured on. They might have covered it, but they weren't doing so at the time.Firstly, the insurer.
Unless for some bizarre reason the insurer decides that they would not normally insure your sister for commuting, then they will not be able to cancel her policy from "inception" (in this case the renewal before which she started commuting).
It's possible they'll do that. It's not certain - especially if there's a claim involved for a written-off car.Instead they will levy retrospective additional premiums which will be more or less costly depending on her employment and other factors.
Than prosecute uninsured drivers...? I'd like to think it was fairly high on their priority list, tbh.Secondly, plod.
I'd like to think they have better things to do, but who knows?0 -
Nobody said they would. But she was not covered at the time of the collision - just the same as if she was driving a different car to the one she was insured on. They might have covered it, but they weren't doing so at the time.
It's possible they'll do that. It's not certain - especially if there's a claim involved for a written-off car.
Than prosecute uninsured drivers...? I'd like to think it was fairly high on their priority list, tbh.
Doesn't matter if something's "written off"or not. I drive a car that's in perfect mechanical condition with no rust and an electric convertible hood, that books at £300. You could write it off by breathing on it.
It's very much NOT the same as if she was driving a different car. Contrary to popular perception the insurance industry is heavily regulated and it's not possible to repudiate claims and cancel policies from inception because a policyholder was commuting rather than visiting her granny. Unless the policyholder has a particular type of employment (eg pro sportswoman) the insurer would likely have offered her cover, and the difference between SDP and SDPC is likely to be relatively small <10%.
As far as plod is concerned the database shows the car is insured in the sister's name so there's a fair chance they won't take any further action, but then again the officer attending might be on strict instructions to screw down on traffic infringements, so it's difficult to predict.0 -
What. Social + Commuting isn't 'standard' - you select your level of cover when you insure your car?? I think you're deliberately trying to vilify people.
As said before, she had social cover because she had previously only used her car socially. Her cover auto renewed every year so after moving house several years on, she had forgotten that she had to amend her policy to include commuting.
No, for several years she's not been correctly insured.
Her attention to detail appears to be a family trait.As AdrianC has said, Social, Social + Commuting to a single place of work & Business seem to be the general levels of cover nowadays.
Sadly I doubt there is any misunderstanding - her insurer was the person who informed her she was uninsured (unless they're mistaken their own policy).
It was as I feared, likely disastrously expensive (she works in a supermarket)...
I perhaps think I will not mention any of this to her; she may even be putting on a front to deal with it.
Sad
Yes as AdrianC said.I don't think it's anything new - I'm pretty sure SDP/SDP+C/Bus has been the choice for as long as I can remember.
Social domestic and pleasure.
Social domestic and pleasure plus commuting.
Business.
Three different levels of cover.
Did you somehow misread it?0 -
Doesn't matter if something's "written off"or not. I drive a car that's in perfect mechanical condition with no rust and an electric convertible hood, that books at £300. You could write it off by breathing on it.
It's very much NOT the same as if she was driving a different car. Contrary to popular perception the insurance industry is heavily regulated and it's not possible to repudiate claims and cancel policies from inception because a policyholder was commuting rather than visiting her granny. Unless the policyholder has a particular type of employment (eg pro sportswoman) the insurer would likely have offered her cover, and the difference between SDP and SDPC is likely to be relatively small <10%.
As far as plod is concerned the database shows the car is insured in the sister's name so there's a fair chance they won't take any further action, but then again the officer attending might be on strict instructions to screw down on traffic infringements, so it's difficult to predict.
Plus the change of address.
Do you realise that the police have access to the insurance database which shows the level of cover on a given policy? SDP only will be there in black and white.0 -
Do you have a personal gripe with me SHAFT?
I don't understand why you're intent on condescending me?
Exactly what is it you want to put across in this thread? That she was probably trying to save money and it serves her right? That the insurer is wrong about whether she's covered??
I'm not entirely sure why you seem to be on a witch hunt (perhaps you've had an issue with an uninsured driver in the past?) but I really beg you to vent your various frustrations elsewhere.
EDIT: also for clarity seems people seem to be focusing on the police aspect.
My sister called the police to inform them of an accident. They didn't really do much except direct traffic for a while. At this time, the police aren't involved in any way.Know what you don't0 -
Do you have a personal gripe with me SHAFT?
I don't understand why you're intent on condescending me?
Exactly what is it you want to put across in this thread? That she was probably trying to save money and it serves her right? That the insurer is wrong about whether she's covered?
I'm not entirely sure why you seem to be on a witch hunt (perhaps you've had an issue with an uninsured driver in the past) but I really beg you to vent your various frustrations elsewhere.
EDIT: also for clarity seems people seem to be focusing on the police aspect.
My sister called the police to inform them of an accident. They didn't really do much except direct traffic for a while> At this time, the police aren't involved in any way.
To be honest, she moved to another town didn't tell the insurance about it thus possibly avoided a premium increase. She then didn't bother to update her insurance when the use of the vehicle change. Again avoided any possible increase.
She then drove without insurance at least twice a day every day she went to work and had a crash which is likely to be her fault.
I think most people's sympathies lie with the innocent third party.
Look on the bright side, looks like she'll avoid a criminal conviction.0 -
First thing to do is for her to talk to her insurance company and explain that she's moved and now commutes to work, and needs to update the policy accordingly so she's insured for the rest of her policy - a bit of an apology for missing the details wouldn't hurt.
She still runs the risk of being prosecuted for no insurance, which is an absolute offense (she was or wasn't), but she can always try pleading an honest mistake and see what happens. She also runs the risk of the insurance company trying to reclaim the cost of the accident from her.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.4K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards