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Car Insurance issue?

grosvenorgambler Avatar
banned7y, 2m agoPosted 7 years, 2 months ago
Ok, well my friend regularly allows his flat mate to use his car for short distances for such trips as to pick his girlfriend up from the station and to nip to the shops. He has no insurance/ isn't a named driver on the car, but I was just wondering what does the actual law state in terms of a fine and possible points on licence? Would both parties receive some sort of punishment?

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grosvenorgambler Avatar
banned7y, 2m agoPosted 7 years, 2 months ago
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#1
IN10 - 6 points and about £200-400 fine for driver. Nothing for owner as he's not breaking law.
#2
I believe that the driver will get done for driving without insurance which will be 6 points and fine isnt it?
#3
As above but the owner could get in trouble for knowingly letting someone use his vehicle without insurance, the car could also be impounded if the copper is feeling really mean :p
#4
kyalion
IN10 - 6 points and about £200-400 fine for driver. Nothing for owner as he's not breaking law.


Wonder what the police would do if the driver who has insurance was sitting next to you for whatever reason he cant drive and you (one) have to drive. :?

i.e. if your friend was ill etc, needed to get him home etc.. or maybe even to A.E. would they be kind and give you a get out of jail free card? :thinking:

Apologies, grammar is poo tonight..
#5
It is illegal to let someone drive your car without insurance ,The penalty is the same as for the driver ,
banned#6
tonyg1962
It is illegal to let someone drive your car without insurance ,The penalty is the same as for the driver ,


So as per the first post for both parties?
#7
grosvenorgambler
So as per the first post for both parties?


Yes but it isnt always enforced, It is easy for the police to charge the driver but slightly more difficult to prosecute the owner so they dont always bother,
banned#8
tonyg1962
Yes but it isnt always enforced, It is easy for the police to charge the driver but slightly more difficult to prosecute the owner so they dont always bother,


Think it's clear cut if the owner says no I didn't give consent then they charge the driver with theft, then the owner says okay yeah I did give consent then they do the owner for knowingly allowing someone to drive it without valid insurance. Seen it on Road Wars :whistling:
#9
lumoruk
Think it's clear cut if the owner says no I didn't give consent then they charge the driver with theft, then the owner says okay yeah I did give consent then they do the owner for knowingly allowing someone to drive it without valid insurance. Seen it on Road Wars :whistling:


Yes it happened to a friend of mine but that was because he was there, He let a friend have a go on his motorbike and the police turned up and said "you either get charged with allowing someone to drive with no insurance ,Or the other guy gets charged with taking without consent".So they both got the same fine and points lol,
#10
i would guess that if the driver has an accident then the damage would obviously not be covered by insurance....I hate people driving without insurance....if he drives it AT ALL he should have sufficient insurance...would be typical that i'm the decent driver he crashes into :roll:
#11
tonyg1962
Yes it happened to a friend of mine but that was because he was there, He let a friend have a go on his motorbike and the police turned up and said "you either get charged with allowing someone to drive with no insurance ,Or the other guy gets charged with taking without consent".So they both got the same fine and points lol,


hmm, surely you would (or at least i would) assume if my friend has a car and he wishes to borrow mine he would have sufficient insurance... :?
#12
Inquisitor
hmm, surely you would (or at least i would) assume if my friend has a car and he wishes to borrow mine he would have sufficient insurance... :?


You need to have seen proof ,
#13
As mentioned as well, the car WILL BE impounded at side of road and taken away. You have about a £150 fine to get it back once you've proven ownership and insurance is valid.
banned#14
op banned lol
#15
hncb0809
op banned lol


PMSL. Obviously got caught with no insurance. :p
#16
tonyg1962
You need to have seen proof ,


Lol ok im not trying to nit pick or twist the law in anyway, but what if that proof that i saw wasnt legit to my knowing? what then? :? Does the police expect me to check the paper, then ring up insurance just to make sure? otherwise i'll get a fine too? (hypothetically speaking).

Gah, Insurance companies have it easy dont they, collect money from thousands and occasionally pay out money (after lots of hassle) for the few who has accidents..

hncb0809
op banned lol


Lol +1....
#17
>short distances for such trips as to pick his girlfriend up from the station and to nip to the shops

Most car accidents happen very close to where people live (as I guess this is where they spend most of their time driving).

Just because it is a quick trip does not mean to say they are not going to have an accident.
#18
Inquisitor
Lol ok im not trying to nit pick or twist the law in anyway, but what if that proof that i saw wasnt legit to my knowing? what then? :? Does the police expect me to check the paper, then ring up insurance just to make sure? otherwise i'll get a fine too? (hypothetically speaking)....


so hypothetically speaking....you're getting your gas fire fixed...you dont think you should check that s/he is gas safe registered?
Same as everything else...someone should take all reasonable steps to make sure they arent breaking the law....I personally would not let anyone drive my car that I didnt know for certain are insured to do so
#19
lil_tiger
i would guess that if the driver has an accident then the damage would obviously not be covered by insurance....I hate people driving without insurance....if he drives it AT ALL he should have sufficient insurance...would be typical that i'm the decent driver he crashes into :roll:


Not so anymore. Was in row of staionery traffic with handbrake on the other day when a car decided to say hello to my boot. Got out and driver would not give name or any insurance details. I took the reg and immediately available details. The other driver then took the oportunity todrive off. If I was to speak to my insurer it would no doubt put up my costs next year. After a friend mentioned the car details could not be found on the MID I think it might be worth speaking to a policeman and filing a report. I have a witness as well. Maybe the owner will get tugged at a later date :whistling: Just hope there are no expensive things show up later.
#20
lil_tiger
so hypothetically speaking....you're getting your gas fire fixed...you dont think you should check that s/he is gas safe registered?
Same as everything else...someone should take all reasonable steps to make sure they arent breaking the law....I personally would not let anyone drive my car that I didnt know for certain are insured to do so


No thats very true, however if he/she was my friend and i knew he was working in that dept for a while and he shows me his id or cert.. I wouldn't doubt he would be lying about his legitimacy :oops: your right, maybe I should change the way i think...

But yes I do get your point, ignorance is no excuse.. :whistling: lol.
#21
WoolyM
Not so anymore. Was in row of staionery traffic with handbrake on the other day when a car decided to say hello to my boot. Got out and driver would not give name or any insurance details. I took the reg and immediately available details. The other driver then took the oportunity todrive off. If I was to speak to my insurer it would no doubt put up my costs next year. After a friend mentioned the car details could not be found on the MID I think it might be worth speaking to a policeman and filing a report. I have a witness as well. Maybe the owner will get tugged at a later date :whistling: Just hope there are no expensive things show up later.


I had a similar incidence, but I just got my phone camera out and take lots and lots of pictures.. I don't know if that helps in anyway, but at least psychologically it may help the offender to think twice before doing anything like that again..

Sigh, so depressing.. people nowadays drive like they've stolen the cars.. :-(

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