Not Informing Insurance Company of Accident history

[347Andy]

TooMany2cvs said:

Yep. The insurer listed on MID has to pay out under the RTA. They cannot dodge it.

But they CAN then turn right round and hand the bill straight back on to him, along with their costs.

This is a very good reason why you should make sure that you tell the insurance company that you no longer have the car and cancel the policy if you sell it and are not transferring the policy onto another vehicle. There was a case recently where somebody sold a car and did not bother to cancel the policy as it had less than a month to run. The new owner of the car had an accident and was uninsured so it came back to the insurance company who was still listed on MID to cover the 3rd party damages and they are seeking to recover the (substantial) amount from their policy holder (I hope that makes sense - it has been rather a long trying day !).

[TooMany2cvs]

347Andy said:

TooMany2cvs said:

Yep. The insurer listed on MID has to pay out under the RTA. They cannot dodge it.

But they CAN then turn right round and hand the bill straight back on to him, along with their costs.

This is a very good reason why you should make sure that you tell the insurance company that you no longer have the car and cancel the policy if you sell it and are not transferring the policy onto another vehicle. There was a case recently where somebody sold a car and did not bother to cancel the policy as it had less than a month to run. The new owner of the car had an accident and was uninsured so it came back to the insurance company who was still listed on MID to cover the 3rd party damages and they are seeking to recover the (substantial) amount from their policy holder (I hope that makes sense - it has been rather a long trying day !).

Bike, rather than car, but yep.
http://www.visordown.com/news/general/biker-may-be...

[TwigtheWonderkid]

DanSI said:

If he crashes a vehicle that is insured under his wifes name, yes he is covered third party only (through his own policy to drive another vehicle), but the claim will be dealt with on HER policy, as that vehicle is insured in her name.

Only if he is a named driver on her policy. If her policy is for herself only, and he's driving it under a DOC extension on his policy, then it'll be a claim on his policy, with tpo cover.