Neighbour is driving an uninsured car - advice needed
Discussion
Hi all,
Had a heated discussion with my neighbour tonight. His family own several vehicles. His son owns a car that he and his wife drive often. The car itself has no insurance - I have checked askmid and it is true. He claims that he can drive the car as he and his wife are covered to drive any car with their comprehensive policy. I told him that the car itself has to have a policy attached to it or he and his wife are driving unisured and risk being prosecuted. I am 99% sure I am right but my neighbour is having none of it. What do you think I should do? I actually quite like the guy and don't want him to get into trouble.
Had a heated discussion with my neighbour tonight. His family own several vehicles. His son owns a car that he and his wife drive often. The car itself has no insurance - I have checked askmid and it is true. He claims that he can drive the car as he and his wife are covered to drive any car with their comprehensive policy. I told him that the car itself has to have a policy attached to it or he and his wife are driving unisured and risk being prosecuted. I am 99% sure I am right but my neighbour is having none of it. What do you think I should do? I actually quite like the guy and don't want him to get into trouble.
v8will said:
Stop being a busy body and keep out of it.
Right or wrong you'll only create more grief for yourself than it's worth. Just hope ANPR flags the car and he gets pulled and dealt with by the Police.
Right ok mate so if his uninsured car rolls off the driveway into my car then who is going to pay out? So yes, it is my business!Right or wrong you'll only create more grief for yourself than it's worth. Just hope ANPR flags the car and he gets pulled and dealt with by the Police.
tyranical said:
Assuming your correct, its people like that making insurance go up for everyone and you get some idiots on here who would rather turn a blind eye to people like that than do something about it?
A small penalty if it prevents a neighbourly row and someone getting stabbed. Alot of mental about these days.It's the culture of litigation, claims etc that is pushing the price up. Oh and the financial sector being greedy
Vron said:
RobbieL said:
If you have 3rd party liability and "permission to drive another car" on your insurance, the "another car" has to be insured. No?
you can drive under your third party cover if the car is already insured by someone else and you are driving with their permission. Vron said:
you can drive under your third party cover if the car is already insured by someone else and you are driving with their permission.
Yup - that's what I meant. The OP is alluding to the car NOT being insured though?I can drive my dad's car, as it is insured by him and I have the appropriate allowance on my insurance. However, if his car was not insured, then shirley I'd be uninsured?
Don't have my insurance docs to hand at the minute but fairly sure this is standard. I have the 3rd party thingy added to my insurance as it's a valuable tool for a lot of short trips I run for friends and family in their cars, so I did my research on this (albeit some time ago).
Unless things have changed that's definately how I understood it...............
At one point a couple of years ago, I was the registered owner of two cars but only insured on one (the second one was sat on the drive not being used due to my housemate buying another car and giving his old one to me).
I called my insurer and asked if I was covered to drive the second vehicle because I had fully-comp insurance. They said that as long as I was driving the car it was insured. As soon as I got out of the car and parked it in a public place it would be uninsured and illegal.
I didn't take their word for it and just got another policy for it...
I called my insurer and asked if I was covered to drive the second vehicle because I had fully-comp insurance. They said that as long as I was driving the car it was insured. As soon as I got out of the car and parked it in a public place it would be uninsured and illegal.
I didn't take their word for it and just got another policy for it...
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