Outcome for underage driver

[E63M6]

Hi guys,

A friend of mine was hit by a car head on yesterday evening. The party at fault sped off after the accident. Th police was called and the details of the car was given, shortly after the car was found parked up at a nearby address and a 16 year old male gave himself up saying he had TWOC'D the car. The car was insured but obviously the driver had no license or insurance. Where does my friend stand from the insurance point of view.

Ps Out of curiosity what do you guys think will happen to this lad for this offence.


Thanks for reading.

[Toaster Pilot]

Would the theft cover pay out in that case?

[matc]

His insurance will sort it out for him - hopefully without impacting on his NCB.

The 16 year old will get a slapped wrist and a bigger council house for his misses and 3 kids - he'll probably have enough left from his monthly allowance for a family trip to Florida.

[kiethton]

If the police can claim to damage to their cars from the policy holders insurance when TWOC'ed I don't know why you friend cant!

[bradjsmith88]

As an identified driver not on cover the vehicle insurer of the stolen vehicle will need to deal with any innocent party claims (including the one of your friend). They are technically not required to do so until an unsatsified judgement has been obtained, however this will escalate costs, so likely to deal without one.

[Aretnap]

If the TWOCed car was insured then your friend can claim from that car's insurers - they have a statutory duty to pay out despite the fact that the driver wasn't named on the insurance policy, or even driving with the owner's permission. His NCD will be unaffected and he won;t be liable for his excess.

If the TWOCed car wasn't insured at all he has the choice of either claiming on his own policy (which means losing some of his NCD and paying his excess, unless his insurer has an uninsured driver promise like Direct Line) or else claiming from the MIB (which will be a slow frustrating process, but won't have an excess or affect his NCD).

He can find out who, if anyone, insures the other car here for a nominal fee.