Bump On Private Land - Insurance Questions
Discussion
Mate had a bump (5mph) parking type incident with a parked car in a main dealers car park whilst moving a car. Other car was empty, ended up with a cracked and scuffs on the rear bumper.
Mate left his details but later discovered that his DOC cover wasn't valid on the vehicle he was driving. Owner of the Astra has had it repaired through their insurance. Mate rang the owners insurance co and explained the situation and has agreed to foot the bill. They have taken his details and said they will be in touch once they have a final total.
Now the question is will his details get passed on to the old bill for them to try and charge him with driving without insurance? Come renewal time will he have to declare the incident but say that his no claims wasn't affected?
Mate left his details but later discovered that his DOC cover wasn't valid on the vehicle he was driving. Owner of the Astra has had it repaired through their insurance. Mate rang the owners insurance co and explained the situation and has agreed to foot the bill. They have taken his details and said they will be in touch once they have a final total.
Now the question is will his details get passed on to the old bill for them to try and charge him with driving without insurance? Come renewal time will he have to declare the incident but say that his no claims wasn't affected?
KungFuPanda said:
It would be a very spiteful insurance advisor who would grass your mate up.....
Spiteful? - The person who has contacted them has basically admitted to breaking the Law by driving a vehicle without valid insurance!As an insurance company, in the interests of the insurance industry who are trying to stamp out people driving without insurance, I would have thought that they have a legal responsibility to report any driver of a vehicle who is guilty of driving without the correct insurance, especially if they believe an offence has been committed on the public highway!
As a company, they have no way of knowing if the lack of proper insurance cover was accidental or deliberate, the fact is though, that the driver of the car involved, either knowingly or unknowingly, was breaking the Law, and it was their responsibility to ensure that they had insurance cover for the vehicle before they drove it, not after they had an accident!
4rephill said:
As an insurance company, in the interests of the insurance industry who are trying to stamp out people driving without insurance, I would have thought that they have a legal responsibility to report any driver of a vehicle who is guilty of driving without the correct insurance, especially if they believe an offence has been committed on the public highway!
You would have thought wrong.I read this with interest.
I didn't have an accident in Waitrose's car park yesterday.
Only because another driver realised I hadn't seen him coming from my right and so stopped to avoid the collision.
I would have been entirely in the wrong if we had collided.
Would my insurance have covered any damage?
I didn't have an accident in Waitrose's car park yesterday.
Only because another driver realised I hadn't seen him coming from my right and so stopped to avoid the collision.
I would have been entirely in the wrong if we had collided.
Would my insurance have covered any damage?
drdel said:
Private land - civil matter. Joe Bloggs damages John Smith's property - Joe Bloggs pays!
Can't be bothered looking for the law, but for the purposes of the Road Traffic Act, private land is classified differently. If it's a place where the public have access too, the vehicle needs to be insured. giblet said:
but later discovered that his DOC cover wasn't valid on the vehicle he was driving.
I'm interested to know more... exactly why his insurance company have said he wasn't insured? A driving other cars extension is exactly that but it does not cover damage to the vehicle being driven by the policyholder only damage to third party property. TwigtheWonderkid said:
4rephill said:
As an insurance company, in the interests of the insurance industry who are trying to stamp out people driving without insurance, I would have thought that they have a legal responsibility to report any driver of a vehicle who is guilty of driving without the correct insurance, especially if they believe an offence has been committed on the public highway!
You would have thought wrong.anniesdad said:
I'm interested to know more... exactly why his insurance company have said he wasn't insured? A driving other cars extension is exactly that but it does not cover damage to the vehicle being driven by the policyholder only damage to third party property.
The vehicle was in his name at the time. He had sold it to a friend who had insured it on his own policy but he then purchased it back. The incident happened a few days after purchase whilst it was still insured under the previous (short term) owners name. He assumed he was covered via the DOC cover on his other car. My mates policy says something along the lines of DOC cover applies for cars not owned by him. From what he's said the third parties insurance contacted the short term owners insurance first, he then rang the third parties insurance company after checking his documents. A bit messy!
QBee said:
I read this with interest.
I didn't have an accident in Waitrose's car park yesterday.
Only because another driver realised I hadn't seen him coming from my right and so stopped to avoid the collision.
I would have been entirely in the wrong if we had collided.
Would my insurance have covered any damage?
Yes. I didn't have an accident in Waitrose's car park yesterday.
Only because another driver realised I hadn't seen him coming from my right and so stopped to avoid the collision.
I would have been entirely in the wrong if we had collided.
Would my insurance have covered any damage?
giblet said:
The vehicle was in his name at the time. He had sold it to a friend who had insured it on his own policy but he then purchased it back. The incident happened a few days after purchase whilst it was still insured under the previous (short term) owners name. He assumed he was covered via the DOC cover on his other car. My mates policy says something along the lines of DOC cover applies for cars not owned by him. From what he's said the third parties insurance contacted the short term owners insurance first, he then rang the third parties insurance company after checking his documents.
A bit messy!
So he was driving a car that is his own with no insurance? DOC in nearly all cases excludes other cars you own.A bit messy!
also worth noting that the other car has to have insurance on it. For example you can't by a Lambo, get it registered in your 'mates' name. then buy a cheap mini in your name and insure it full comp and expect to be able to drive the Lambo under the DOC you have with the mini. The Lambo has to be insured or the DOC cover is not valid. When i had an insurance run in the copper told me it was the no.1 way the where nicking people, even he said he felt bad as people had insurance and genuinely thought they where coverd as "they could drive any car as they where fully comp" it aint the case !!
matjk said:
also worth noting that the other car has to have insurance on it. For example you can't by a Lambo, get it registered in your 'mates' name. then buy a cheap mini in your name and insure it full comp and expect to be able to drive the Lambo under the DOC you have with the mini. The Lambo has to be insured or the DOC cover is not valid.
Depends on the policy wording - some require the other vehicle to be insured in its own right, others are silent on the matter.CIE issues aside, of course.
matjk said:
also worth noting that the other car has to have insurance on it. For example you can't by a Lambo, get it registered in your 'mates' name. then buy a cheap mini in your name and insure it full comp and expect to be able to drive the Lambo under the DOC you have with the mini. The Lambo has to be insured or the DOC cover is not valid.
Wrong. Not on all policies. My policy has DOC with no requirement that the vehicle is insured in its own right.anniesdad said:
DOC gets regularly abused. It should be used in an emergency only in case you are with someone who is taken ill and need to drive them to hospital. If one drives a car regularly under a DOC and parks it up, it technically is uninsured at that moment.
Wrong. DOC is not limited to emergency cover. Insurers tell you it is because they don't want you to use it. Wtf is an emergency anyway? Child is ill. How ill? How about the cat being ill? Take it to the vet? Is the cat bleeding, or limping? It's ridiculous. One person's emergency is another persons tomorrow will do. Insurance is a contract. Find me one policy that restricts DOC to emergency cover in the contract. You can't. Urban myth. As for parking it up, depends where you park it, on road or off, and does it have its own insurance in force.
TwigtheWonderkid said:
Wrong. DOC is not limited to emergency cover. Insurers tell you it is because they don't want you to use it. Wtf is an emergency anyway? Child is ill. How ill? How about the cat being ill? Take it to the vet? Is the cat bleeding, or limping? It's ridiculous. One person's emergency is another persons tomorrow will do. Insurance is a contract. Find me one policy that restricts DOC to emergency cover in the contract. You can't. Urban myth.
As for parking it up, depends where you park it, on road or off, and does it have its own insurance in force.
I didn't say it was limited to emergency only. Jesus! As for parking it up, depends where you park it, on road or off, and does it have its own insurance in force.
People abuse the privilege and get into trouble with it. See this thread as an example!!
Edited by anniesdad on Monday 6th March 22:50
giblet said:
The incident happened a few days after purchase whilst it was still insured under the previous (short term) owners name.
So the car probably wasn't insured at all then!If a serious incident had happened then your mate (the previous owner noted above) would have been in a lot of financial trouble for not cancelling the policy or transferring it to another vehicle.
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