Was I driving without insurance?
Was I driving without insurance?
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Discussion

GingerMunky

Original Poster:

1,287 posts

288 months

Sunday 8th January 2023
quotequote all
Last April I got pinched for driving my Lotus without insurance (was taking from storage back home). The car was impounded and I got a £600 fine, some points and IN10 conviction. However, at the time I owned a BMW and was insured fully comp which allowed me to drive another car 3rd party insured. Should I have received the conviction, as I had insurance to drive the car, even in the car itself didn't have insurance?

Glenn63

3,970 posts

115 months

Sunday 8th January 2023
quotequote all
Does the ‘other car’ not have to be insured properly by another person for your 3rd party bit to work? Otherwise people would just insure a Nissan micra and drive a dodge viper all day.

Tony1963

5,808 posts

193 months

Sunday 8th January 2023
quotequote all
GingerMunky said:
Last April I got pinched for driving my Lotus without insurance (was taking from storage back home). The car was impounded and I got a £600 fine, some points and IN10 conviction. However, at the time I owned a BMW and was insured fully comp which allowed me to drive another car 3rd party insured. Should I have received the conviction, as I had insurance to drive the car, even in the car itself didn't have insurance?
I think in your heart you know the answer.

tight fart

3,614 posts

304 months

Sunday 8th January 2023
quotequote all
I think insurance cover for other cars states not owned by you etc.

Shaw Tarse

31,902 posts

234 months

Sunday 8th January 2023
quotequote all
GingerMunky said:
Last April I got pinched for driving my Lotus without insurance (was taking from storage back home). The car was impounded and I got a £600 fine, some points and IN10 conviction. However, at the time I owned a BMW and was insured fully comp which allowed me to drive another car 3rd party insured. Should I have received the conviction, as I had insurance to drive the car, even in the car itself didn't have insurance?
What did it say in "the small print"?

trashbat

6,316 posts

184 months

Sunday 8th January 2023
quotequote all
tight fart said:
I think insurance cover for other cars states not owned by you etc.
This. Not belonging to, hired to, or leased by.

Failure of the registered keeper to have the car either SORNed or insured at any one time - breaching Continuous Insurance Enforcement - is a separate offence, £100 fixed penalty but no points.

vaud

59,875 posts

186 months

Sunday 8th January 2023
quotequote all
GingerMunky said:
Last April I got pinched for driving my Lotus without insurance (was taking from storage back home). The car was impounded and I got a £600 fine, some points and IN10 conviction. However, at the time I owned a BMW and was insured fully comp which allowed me to drive another car 3rd party insured. Should I have received the conviction, as I had insurance to drive the car, even in the car itself didn't have insurance?
What did your policy say?

What did the insurance company say when you called them to clarify before driving your Lotus?

MadCaptainJack

1,883 posts

71 months

Sunday 8th January 2023
quotequote all
GingerMunky said:
Last April I got pinched for driving my Lotus without insurance (was taking from storage back home). The car was impounded and I got a £600 fine, some points and IN10 conviction. However, at the time I owned a BMW and was insured fully comp which allowed me to drive another car 3rd party insured. Should I have received the conviction, as I had insurance to drive the car, even in the car itself didn't have insurance?
You'll need to check your BMW insurance policy's fine print.

For example, here's the relevant section from Admiral's motor insurance policy booklet:




Mr Tidy

31,788 posts

158 months

Sunday 8th January 2023
quotequote all
trashbat said:
tight fart said:
I think insurance cover for other cars states not owned by you etc.
This. Not belonging to, hired to, or leased by.
Every policy I've had always says this too.

Yellow Lizud

2,986 posts

195 months

Sunday 8th January 2023
quotequote all
Why have you waited 10 months to ask a question that should have been asked last April?

CoreyDog

886 posts

121 months

Sunday 8th January 2023
quotequote all
Every policy I’ve ever had with 3rd party cover on another vehicle says it cannot be owned, hired or leased by/to me.

LosingGrip

8,911 posts

190 months

Monday 9th January 2023
quotequote all
GingerMunky said:
Last April I got pinched for driving my Lotus without insurance (was taking from storage back home). The car was impounded and I got a £600 fine, some points and IN10 conviction. However, at the time I owned a BMW and was insured fully comp which allowed me to drive another car 3rd party insured. Should I have received the conviction, as I had insurance to drive the car, even in the car itself didn't have insurance?
As its already been pointed out, you can't use drive other cars (DOC) cover if you own both cars. Some polices say that they wont cover cars in the same household or owned by your partner etc.

Some also say that the car itself has to have a policy in place. There are some that don't (LV springs to mind) but most that I've dealt with require the car to be insured outright.

Bit odd that you are only thinking of this now mind you.

gazza285

11,240 posts

239 months

Monday 9th January 2023
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GingerMunky said:
Was I driving without insurance?
Yes, that is why you were prosecuted for driving without insurance.

Matt_E_Mulsion

1,746 posts

96 months

Monday 9th January 2023
quotequote all
How did you end up with a £600 fine? The usual punishment is 6 points and £300.

rigga

8,807 posts

232 months

Monday 9th January 2023
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gazza285 said:
GingerMunky said:
Was I driving without insurance?
Yes, that is why you were prosecuted for driving without insurance.
Can't argue with that.

CraigyMc

18,372 posts

267 months

Monday 9th January 2023
quotequote all
GingerMunky said:
Last April I got pinched for driving my Lotus without insurance (was taking from storage back home). The car was impounded and I got a £600 fine, some points and IN10 conviction. However, at the time I owned a BMW and was insured fully comp which allowed me to drive another car 3rd party insured. Should I have received the conviction, as I had insurance to drive the car, even in the car itself didn't have insurance?
Yes.

Hol

9,316 posts

231 months

Monday 9th January 2023
quotequote all
CraigyMc said:
GingerMunky said:
Last April I got pinched for driving my Lotus without insurance (was taking from storage back home). The car was impounded and I got a £600 fine, some points and IN10 conviction. However, at the time I owned a BMW and was insured fully comp which allowed me to drive another car 3rd party insured. Should I have received the conviction, as I had insurance to drive the car, even in the car itself didn't have insurance?
Yes.
It’s a yes from me too. (Sadly).

The clause (which isn’t on all policies) is there to allow you to drive another persons car in otherwise unusual circumstances. For example, they break their leg on holiday and you drive home from the airport.

My policy wording when I have checked has always insisted that the other car is also insured. I have always rightly or wrongly assumed that is to stop me from registering a sports car like a Lotus in a friends name and driving it on a much cheaper Aygo insurance policy.

Turbobanana

8,527 posts

232 months

Monday 9th January 2023
quotequote all
Hol said:
The clause (which isn’t on all policies) is there to allow you to drive another persons car in otherwise unusual circumstances. For example, they break their leg on holiday and you drive home from the airport.
To echo what others have said, this is the case. I actually did break my leg while skiing and a mate had to drive my car home from Gatwick. Due to slight repatriation issues, my car actually got home before I did.

LosingGrip

8,911 posts

190 months

Monday 9th January 2023
quotequote all
Matt_E_Mulsion said:
How did you end up with a £600 fine? The usual punishment is 6 points and £300.
If he went to court it’s income based (or if he is including the fees to get the car releases if it was seized).

Carguy44

581 posts

49 months

Monday 9th January 2023
quotequote all
GingerMunky said:
Last April I got pinched for driving my Lotus without insurance (was taking from storage back home). The car was impounded and I got a £600 fine, some points and IN10 conviction. However, at the time I owned a BMW and was insured fully comp which allowed me to drive another car 3rd party insured. Should I have received the conviction, as I had insurance to drive the car, even in the car itself didn't have insurance?
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