Worth paying the extra insurance....

[LoonR1]

gruffalo said:

LoonR1 said:

Upatdawn said:

Police had my video of a clear motoring offence so the driver gets a visit..


Cops - "who was the driver on the date and time of the offence"?

Mr X - "not sure, I have any driver insurance"

Mr X - "have you a photo of the driver?"

Cops - "no"

Mr X - "shut the door on your way out officer"

And you don't think the police are able to check whether he has this "any driver insurance"? Hint - they can and will check it. Tell me when you find a policy like this, it'll be very, very rare and unbelievably expensive.

I have a car insured for any one over 25 to drive, not all that expensive and very useful.

Which is great and so do I on my van, but as that excludes any driver aged 17-25, then it's not any driver is it? We've had this conversation before.

I could argue I've got any driver policy on my car, for anyone called LoonR1 and Mrs LoonR1 only.

[TwigtheWonderkid]

Even if you had an any driver policy without age restriction, it still wouldn't cover a 14 y/old, or a banned driver, because if would be any driver with a licence to drive or who had held a licence in the past and was not disqualified from holding one. So all any driver policies have restrictions.

Any policy where you don't have to name the drivers is an any driver policy. Of course it can be any driver over 30, 25, 21, with a full licence for 2 yrs, or 12 months, or whatever terms they choose to impose and you agree to.

[LoonR1]

We've had this conversation before. Not having it again

[Pippage]

I have any driver insurance 17 plus. Also allows me and partner to drive any other car fully comp. Rare I'm sure but such policies do exist!

[LoonR1]

Pippage said:

I have any driver insurance 17 plus. Also allows me and partner to drive any other car fully comp. Rare I'm sure but such policies do exist!

Never said they didn't. I said they're rare and expensive.

[caelite]

Hm out of curiosity, under 172 of the RTA 1988 you must identify the driver otherwise you will recieve 6 points and a £200 penalty. How is the law concerned if the offense commited in the vehicle carries a greater fine than that and no driver is found? Will the owner be taken to court over the initial offense and have to prove his innocence or will he be allowed to just stomach the 6 points and fine?

An example being if you where caught in "Dangerous Driving" terratory by a speed camera (i.e ~110mph+ in 70) and told the police it could be multiple people who have use of the vehicle and nobody owns up. What would the next move from the police do asides from hitting the owner with points and £200.

Edited by caelite on Wednesday 26th August 18:34

[TooMany2cvs]

caelite said:

Hm out of curiosity, under 172 of the RTA 1988 you must indentify the driver otherwise you will recieve 6 points and a £200 penalty.

Do you mean "indemnify" or "identify"? They're different words, with different meanings - and mashing them up to make one meaningless word just confuses everybody.

[creampuff]

Any driver insurance is irrelevant. Anyone with their own insurance policy could drive any car using the driving other car 3rd party cover.

[ohtari]

creampuff said:

Any driver insurance is irrelevant. Anyone with their own insurance policy could drive any car using the driving other car 3rd party cover.

Which most insurers aren't offering to drivers under 25...

[LoonR1]

creampuff said:

Any driver insurance is irrelevant. Anyone with their own insurance policy could drive any car using the driving other car 3rd party cover.

Which is predominantly TPO and not all insurers offer this as part of their cover.

[caelite]

TooMany2cvs said:

Do you mean "indemnify" or "identify"? They're different words, with different meanings - and mashing them up to make one meaningless word just confuses everybody.

Sorry my bad I meant identify, I misstyped. In the context of the question it shouldve made more sense like that anyway.

[Upatdawn]

ging84 said:

One fatal flaw in this fantasy
how did the driver get a visit from the cops if they were not able to identify him

The car was registered to a company name, I assume the company got a visit

[LoonR1]

Thank you for sending me the clip and I'll respect your request to keep it private. I think you're wrong.

Firstly the car is clearly aware of the SPECS cameras in the roadworks and waits until they've ended before making his overtake. This does mean he missed a clear opportunity and is pretty stupid, as I'm sure he could've taken that overtake without risk of points. His subsequent overtake starts at the end of a solid white on your side of the road ending (it's a dotted white for the other side), at worst he crosses the solid white line by maybe half a car length which is technically dodgy, but certainly nothing to get worked up about.

During the overtake of both the car and lorry he does not cross any solid white lines other than at the start as already discussed. You have stopped the video before your car reaches the point where he pulls in, but as there's no arrows painted on the road to advise any overtaking cars to get back left, then I don't think a solid white line starts before he pulls back in.

that leads to a couple of questions, which will appear to be blunt, but need asking

• do you know the owner or driver of the overtaking car?
• do you have any personal issues with them?
• have they possibly overtaken you on this stretch and you're seeking some form of revenge?
• why bother police with such a minor infraction? I'd liken it to driving at 60 in that 50 limit.

[AlanMinium]

photosnob said:

I drive relatively sensibly.

photosnob said:

Bad accident yesterday. My fault. Car is certainly written off

Massive fantasist. I like a good fantasist as much as the next man but you're not even funny, just boring.

[photosnob]

AlanMinium said:

Massive fantasist. I like a good fantasist as much as the next man but you're not even funny, just boring.

Firstly who are you? And secondly what am I meant to be fantasising about? Is it that I drive sensibly, or that I had an accident? Most people can make a mistake, it doesn't mean they are some sort of menace on the roads.

I'm not really in the mood for an argument or a fight right now. So tell me what your grip is about and I'll fix it. I can either send you photos of a car being dragged out of a river by recovery people (and even a copy of the v5 to show its mine) - or I can send you a copy of my driving license or docs showing I don't currently have any points and have a fair chunk of no claims.

Now I don't know why you have a chip on your shoulder. Maybe you just enjoy playing up on the computer. But this week I've had just about enough. I've crashed my car, I've quite seriously hurt my partner and I'm currently bleeding money paying for a hire car whilst I wait for a pay out for mine. So give it a rest.

[TVR1]

LoonR1 said:

Upatdawn said:

Police had my video of a clear motoring offence so the driver gets a visit..


Cops - "who was the driver on the date and time of the offence"?

Mr X - "not sure, I have any driver insurance"

Mr X - "have you a photo of the driver?"

Cops - "no"

Mr X - "shut the door on your way out officer"

And you don't think the police are able to check whether he has this "any driver insurance"? Hint - they can and will check it. Tell me when you find a policy like this, it'll be very, very rare and unbelievably expensive.

My wife has one them and its about £700 a year.

[AlanMinium]

photosnob said:

Firstly who are you? And secondly what am I meant to be fantasising about? Is it that I drive sensibly, or that I had an accident? Most people can make a mistake, it doesn't mean they are some sort of menace on the roads.

I'm not really in the mood for an argument or a fight right now. So tell me what your grip is about and I'll fix it. I can either send you photos of a car being dragged out of a river by recovery people (and even a copy of the v5 to show its mine) - or I can send you a copy of my driving license or docs showing I don't currently have any points and have a fair chunk of no claims.

Now I don't know why you have a chip on your shoulder. Maybe you just enjoy playing up on the computer. But this week I've had just about enough. I've crashed my car, I've quite seriously hurt my partner and I'm currently bleeding money paying for a hire car whilst I wait for a pay out for mine. So give it a rest.

Let's not fight, just tell me a little more about you...... Prison, being stabbed, being rich, having CCJs, but you don't WANT to talk about any of it of course!

[photosnob]

AlanMinium said:

Let's not fight, just tell me a little more about you...... Prison, being stabbed, being rich, having CCJs, but you don't WANT to talk about any of it of course!

I don't know you, clearly I've upset you in someway. Fair enough.


Tell you what - email me your number and you can explain what I've said or done that's upset you. If I'm in the wrong I'll happily apologise. If you have any other questions I'll also answer them. If you'd rather not give out your telephone number to a random on the Internet then that's cool - I'll happily send mine over.

I'm inclined to think that I must know or have known you. Otherwise your obsession with following me around on the Internet and trying to score points is a bit weird. I found you on Facebook and I certainly don't remember you, and I've got to connection to Preston or your line of business. So how do you know me, and if not why are you so obsessed with me?

Edited by photosnob on Friday 11th September 23:43

[TVR1]

TVR1 said:

LoonR1 said:

Upatdawn said:

Police had my video of a clear motoring offence so the driver gets a visit..


Cops - "who was the driver on the date and time of the offence"?

Mr X - "not sure, I have any driver insurance"

Mr X - "have you a photo of the driver?"

Cops - "no"

Mr X - "shut the door on your way out officer"

And you don't think the police are able to check whether he has this "any driver insurance"? Hint - they can and will check it. Tell me when you find a policy like this, it'll be very, very rare and unbelievably expensive.

My wife has one them and its about £700 a year.

ETA: not that rare and it also allows 16 year olds to drive her car (in accordance with their licence)

[LoonR1]

TVR1 said:

LoonR1 said:

Upatdawn said:

Police had my video of a clear motoring offence so the driver gets a visit..


Cops - "who was the driver on the date and time of the offence"?

Mr X - "not sure, I have any driver insurance"

Mr X - "have you a photo of the driver?"

Cops - "no"

Mr X - "shut the door on your way out officer"

And you don't think the police are able to check whether he has this "any driver insurance"? Hint - they can and will check it. Tell me when you find a policy like this, it'll be very, very rare and unbelievably expensive.

My wife has one them and its about £700 a year.

Is £700 expensive? We'd need more info to gauge it.

Is it any driver without restriction?