Possible IN10

2

Comments

  • DoaM
    DoaM Posts: 11,863 Forumite
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    Did Dad know he was driving it and had given permission? If yes then not a TWOC; if no then TWOC hence a criminal offence.

    It could be easily argued that being a named driver on the insurance means no TWOC.
  • GunJack
    GunJack Posts: 11,673 Forumite
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    When did SDP cover not allow you to use the car to go to work?? Isn't that partly what domestic means?
    ......Gettin' There, Wherever There is......

    I have a dodgy "i" key, so ignore spelling errors due to "i" issues, ...I blame Apple :D
  • Warwick_Hunt
    Warwick_Hunt Posts: 1,179 Forumite
    GunJack wrote: »
    When did SDP cover not allow you to use the car to go to work?? Isn't that partly what domestic means?

    Not according to the oxford dictionary.

    1Relating to the running of a home or to family relations.
    ‘domestic chores’
    ‘domestic violence’

    But then you've struggled with the finer points of insurance before. ;)
  • GunJack
    GunJack Posts: 11,673 Forumite
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    Warwick_Hunt wrote: »
    Not according to the oxford dictionary.

    1Relating to the running of a home or to family relations.
    ‘domestic chores’
    ‘domestic violence’

    But then you've struggled with the finer points of insurance before. ;)

    But isn't going to work relative to running your family/home? i.e. to pay the bills?

    Maybe I'm just out of date, they never used to ask about commuting specifically, just SDP or Business use...when did it become a "specific" requirement?

    Not being obtuse, just wondering...
    ......Gettin' There, Wherever There is......

    I have a dodgy "i" key, so ignore spelling errors due to "i" issues, ...I blame Apple :D
  • AdrianC
    AdrianC Posts: 42,189 Forumite
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    Warwick_Hunt wrote: »
    So basically not theft given that its dad's car.
    Did dad give permission for the son to commute in it?
    Yes? Then dad is on the hook for IN14.
    No? Then son is on the hook for TWOC.
  • AdrianC
    AdrianC Posts: 42,189 Forumite
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    GunJack wrote: »
    Maybe I'm just out of date, they never used to ask about commuting specifically, just SDP or Business use...when did it become a "specific" requirement?

    Not being obtuse, just wondering...
    It's been on there for years.
    SDP
    SDP + Commute
    Business use
  • takman
    takman Posts: 3,876 Forumite
    Combo Breaker First Post
    GunJack wrote: »
    When did SDP cover not allow you to use the car to go to work?? Isn't that partly what domestic means?

    Domestic is any driving related to your household so should cover any household tasks such as taking rubbish to the tip and going shopping to buy supplies or new household appliances etc. It's a bit of a stretch to justify going to work as being domestic as that has almost nothing to do with your household (although i know some people say you work to pay for your household).

    But its pretty obvious it doesn't cover it otherwise there wouldn't be the option of standalone SDP and a separate option for SDP & Communting.
  • Warwick_Hunt
    Warwick_Hunt Posts: 1,179 Forumite
    AdrianC wrote: »
    Did dad give permission for the son to commute in it?
    Yes? Then dad is on the hook for IN14.
    No? Then son is on the hook for TWOC.

    I'm not arguing that, even if dad reported the car stolen after the event it wouldn't be recorded as theft.
  • sansax
    sansax Posts: 5 Forumite
    Not entirely sure where "theft" is coming from. I'm a named driver on the car. I have permission to use it as and when I need to from my dad. I don't have to ask him permission to use the car or where I am taking it.
  • Warwick_Hunt
    Warwick_Hunt Posts: 1,179 Forumite
    sansax wrote: »
    Not entirely sure where "theft" is coming from. I'm a named driver on the car. I have permission to use it as and when I need to from my dad. I don't have to ask him permission to use the car or where I am taking it.

    Make sure you tell that to the magistrates and your dad can have six points too.
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