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Technically Uninsured Accident

135

Comments

  • Mercdriver
    Mercdriver Posts: 3,898 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Exodi wrote: »
    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.

    No, it shows one of the most dangerous thing about auto renewing. Not only does it usually mean that you are being charged more than you would do if you shopped around, but it encourages inertia which can lead to something much more dangerous, as your sister has found out.
  • JamoLew
    JamoLew Posts: 1,800 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Surely although she was uninsured for that journey and therefore that particular accident as it occurred during a commute, the car did actually have a valid insurance policy active.

    Will the police really class this as being uninsured ? Bit of a grey area I would have thought
  • wgl2014
    wgl2014 Posts: 1,144 Forumite
    JamoLew wrote: »
    Surely although she was uninsured for that journey and therefore that particular accident as it occurred during a commute, the car did actually have a valid insurance policy active.

    Will the police really class this as being uninsured ? Bit of a grey area I would have thought

    No grey area, if your insurance policy stipulates what you are covered for that's it.
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    JamoLew wrote: »
    Surely although she was uninsured for that journey and therefore that particular accident as it occurred during a commute, the car did actually have a valid insurance policy active.

    Will the police really class this as being uninsured ? Bit of a grey area I would have thought
    But the car wasn't being used within the bounds of that policy.

    If it'd been a different driver, not a named driver on the policy and without DOC cover, the car would still have a valid policy, wouldn't it? But you wouldn't expect that to be anything other than straightforward uninsured.

    Likewise if the policy had a 5,000 mile/year cap, but had covered 10,000 since renewal.

    It all changes the risk profile the insurer is covering - and which they priced the policy for.
  • TooManyPoints
    TooManyPoints Posts: 1,644 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Combo Breaker
    It's not a grey area at all.

    One of the things the police (and courts) are seeing a lot of lately is drivers of scooters or motorbikes undertaking deliveries without business insurance. Also prevalent is drivers who say they are only "helping out" (allegedly without pay) by making deliveries from takeaway food outlets without the appropriate cover. This is exactly the same and the OP's sister should hope that the police do not not become involved, adding to her worries.
  • AdrianC
    AdrianC Posts: 42,189 Forumite
    Eighth Anniversary 10,000 Posts Name Dropper
    There is one way in which "but the car did have a valid policy" will come into play and help resolve the issue. It means the insurer can't avoid paying the other party.

    But they can then pass the bill back to their policyholder.
  • Car_54
    Car_54 Posts: 8,939 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    JamoLew wrote: »
    Surely although she was uninsured for that journey and therefore that particular accident as it occurred during a commute, the car did actually have a valid insurance policy active.

    Will the police really class this as being uninsured ? Bit of a grey area I would have thought
    There are two distinct offences - keeping an uninsured vehicle, which didn't apply here, and driving without insurance, which did.
  • DoaM
    DoaM Posts: 11,863 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    SHAFT wrote: »
    To be honest, she moved to another town didn't tell the insurance about it thus possibly avoided a premium increase.

    Has this been confirmed by the OP? Or is this just an assumption on your part?

    @OP - Was everything done online regarding the policy? Or did the insurer ever write to her? (i.e. did they know she had moved address, but the Commuting cover was never considered?)
  • missile
    missile Posts: 11,806 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope she told DVLA of her change of address?
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home :iloveyou:
  • DoaM
    DoaM Posts: 11,863 Forumite
    10,000 Posts Fifth Anniversary Name Dropper Photogenic
    missile wrote: »
    I hope she told DVLA of her change of address?

    Good point ... and separately for both V5 and licence.
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