Getting car insurance problems

nursebill57

And when all is said and done I can still continue with my NHS volunteer work teaching taichi and working in the hospital shop,helping supermarket shop for older people through my local Food Train branch as well as my Church Elder work with the help of my bus pass,my senior citizen railcard,and some good friends to give me lifts to and from such activities.Easier to do with a car,but I can get shopping delivered as well as medication from my local pharmacy.So all is not as black as it seemed to be when these car accidents/incidents were accumulating.

maman

Thank you @nursebill57 for highlighting the issues that have affected you. The comments may not have helped you but others reading may learn from them.

Probably the easiest one to avoid is waiting for your licence to be renewed which can be avoided by immediate application provided there are no health issues. 

MyRealNameToo

Chief_of_Staffy said:

MyRealNameToo said:

Chief_of_Staffy said:\
When you take possession of a courtesy car you are covered by the garage's motor trade insurance. You do not drive it on your own insurance and you don't even have to have an insurance policy in order to drive a courtesy car.

Not necessarily true, some insurers provide the cover for a courtesy car provided to you under your policy by your policy not the garages. Inevitably a way of getting cheaper prices from the garage as any incidents involving the car doesnt touch their insurance. 

I think that's highly unlikely, because unless the OP has a drive-any-cars option on their policy - one which allows non-emergency use, or contacted their insurer and the insurer added the garage's vehicle to their policy prior to driving it, then they would have been uninsured. And even if they did all this and were insured, it's unlikely to be comprehensive so damage from a third party wouldn't have been claimworthy anyway.

Think what you like but it's how some insurers operate with their network of approved repairers. We send a repair request to them inc for them to give a courtesy car, they come back to us accepting the job and giving the reg of the courtesy car which we then add as a TAV to the policy

It has exactly the same coverage as their own policy other than the rare TPFT claim for fire or theft at which point we temporarily bump it to Comp. 

In theory allows us to get lower rates from the garage and also avoids the argument with the customer about their excess being much higher on a courtesy car than their own car if they do damage it. 

Archergirl

@nursebill57 so are you actually 74 now? If not your licence is still valid

sheramber

But you have a valid licence if you comply with

Driving while DVLA has your licence

You can drive while your licence is being renewed if you meet all the following conditions:

• you have the support of your doctor to continue driving
• you had a valid licence
• you only drive under the conditions of the previous licence
• your application is less than a year old
• your last licence was not revoked or refused for medical reasons
• you’re not currently disqualified
• you were not disqualified as a high risk offender on or after 1 June 2013

I do not send my actual licence to the DVLA when I apply for my renewal. 

https://www.gov.uk/renew-driving-licence-at-70

https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf

Yorkie1

sheramber said:

But you have a valid licence if you comply with

Driving while DVLA has your licence

You can drive while your licence is being renewed if you meet all the following conditions:

• you have the support of your doctor to continue driving
• you had a valid licence
• you only drive under the conditions of the previous licence
• your application is less than a year old
• your last licence was not revoked or refused for medical reasons
• you’re not currently disqualified
• you were not disqualified as a high risk offender on or after 1 June 2013

I do not send my actual licence to the DVLA when I apply for my renewal. 

https://www.gov.uk/renew-driving-licence-at-70

https://assets.publishing.service.gov.uk/media/64edcf3a13ae1500116e2f5d/inf1886-can-i-drive-while-my-application-is-with-dvla.pdf

This is what I was going to say. You are not without a D/Lic if the above applies, assuming that your application was made in time.

nursebill57

Archergirl - sorry if I gave the wrong impression but I turned 73 at the end of last year which unfortunately coincided with my insurance problems happening at the same time as I had to reapply for my licence meaning I could not get a quote until DVLA had returned my licence.And probably with my luck it will come back the day after the finance company have come to take away my car.

nursebill57

Yorkie1 - my insurance ran out last Friday,and my birthday was 29/12,which I spent phoning round looking for new insurance as my company had sent me an email that morning saying they would no longer cover me.As I no longer had a valid licence to drive in the eyes of insurance companies I could not get a quote,but I do realise that I could drive until the insurance ran from 29/12 until 24/01.

chrisw

But if you meet the requirements listed above you do have a valid licence even if the physical copy you have is out of date.

MyRealNameToo

chrisw said:

But if you meet the requirements listed above you do have a valid licence even if the physical copy you have is out of date.

By the sounds of it however the Insurer has requested confirmation from the DVLA of the licence status and have gotten a different message back from the DVLA