Chat & Social > The Bar - General Chat
Insured or not insured…that is the question!
Yoshi:
See the trouble youve caused now!!! Poor old L9000K has been driven to drink (although i dont think there was much arm twisting!!) lol
Yoshi:
And to further support my argument!!
--- Quote ---Many people assume that if they have comprehensive car insurance then they are automatically covered to drive other people's cars. This is not always the case. Some insurers no longer offer this cover and those that do don't offer it to everyone. The only way to know is to check your insurance certificate, which will state clearly if you have it.
One more thing to beware of is that the 'driving other cars' extension gives you just the basic insurance cover allowed by law. This is called Road Traffic Act cover, which is even less than third-party only insurance. The nub of this is, if you have an expensive accident whilst driving someone else's car, you may end up being liable for part of the other party's claim!
Also, when you park a car driven on this extension and walk away, it is no longer insured at all, which means you cannot claim for damage, fire or theft. At least, not until a named driver on the policy takes control of the vehicle again. Therefore you should use this extension as a last resort.
Taken from
http://www.fool.co.uk/insurance/information/car-insurance.aspx
--- End quote ---
Yoshi:
And just for absolute clarification after just being pulled over whilst driving like that!
The traffic officer pulled me over for no insurance. I told him the vehicle had no insurance of its own and i was driving it under the 3rd part provision of my other insurance, and once this was confirmed everything was hunky dory.
Although the cretin did decide to give me a £30 fixed penalty because me front number plate wasnt fixed on the front of the vehicle!!!!
Wireless:
If you can take the time to point out the small print on your insurance, he's entitled to take the time point out the small print on the legally correct display of registration marks on your vehicle, and issue you with a fixed penalty fine for not doing so.
Why call him a cretin? You were trying to be smart, and he turned out smarter, lesson learned.
Next time you'll check ALL the small print, and make sure you're completely legal.
Yoshi:
I knew it wasnt legal, but he could have given a warning to get it fixed and shown at the police station, and yes i pointed out the small print in the insurance document as otherwise i would be approximately 6 points and about £500 worse off when i was actually legal in that regard.
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