police asking for documents

Conor_3

jeannieblue wrote: »

You can't take out insurance on someone else's car... it is illegal to insure a car twice, and impossible to do as well, I would've thought.

Wrong. You can insure any car you want and you don't need to be the owner. I could insure yours if I wanted to and I'd not even need your permission to do it.

redrabbit29

chris147 wrote: »

It's an odd one really.

Traffic Police Officers can issue fixed penalty notices for no insurance at the road side which is 5 points and £250 fine.

I think it's actually 6 points, £200 fine and the vehicle is seized.

As for your friend's friend getting into trouble, I doubt she would. The only way she could get into trouble is by admitting that she knew the driver did not have insurance for the vehicle. As I said though, I don't think that issue would really be looked into.

FlameCloud

Conor wrote: »

Wrong. You can insure any car you want and you don't need to be the owner. I could insure yours if I wanted to and I'd not even need your permission to do it.

How, may I ask? For you to have a legal contract, you need insurable interest in the item. This applies at both the date of policy inception and at any loss.

Given that you dont own the car, or have any other financial interest in it they would void the policy as soon as it is discovered, and then refer it through to their money laundering department.

Wig

redrabbit29 wrote: »

As for your friend's friend getting into trouble, I doubt she would. The only way she could get into trouble is by admitting that she knew the driver did not have insurance for the vehicle. As I said though, I don't think that issue would really be looked into.

The friend would get in trouble as soon as they admitted allowing the person to drive their car. It is the responsibility of the vehicle keeper (or owner dunno?) to ensure that anyone they allow to drive their vehicle is insured for Third Party losses whilst driving that vehicle. Saying they "did not know" is not an excuse. The police are cracking down on this sort of thing recently, and I would be surprised if they did not go after the vehicle keeper aswell. In practice what they sometimes do is to hint that the two parties involved can sort it out between them. The police will unofficially indicate there is a choice

either the driver is done for no insurance and the keeper is done for allowing to drive without insurance
Or
The driver is done for no insurance and taking a vehicle without consent.


OP,
Can we have a thread update please?

asea

Conor wrote: »

Wrong. You can insure any car you want and you don't need to be the owner. I could insure yours if I wanted to and I'd not even need your permission to do it.

No that is wrong. One of the principles of insurance is that you must have an insurable interest in the property being insured. So even if you did manage to insure somebody's car without their permission (which is unlikely in spite of your claim) your policy would be void as you have no insurable interest in the car. In fact you would probably be suspected of fraud & never be able to get insurance again!