Uninsured bike

[Digby]

Friend parked in McDonald’s in his car, an employee from there leant his motorbike against a tree; bike fell over doing approx 400 pounds worth of damage to rear of my friends car. Turns out bike has no insurance, tax, is possibly stolen / cloned plate, owner of bike now ignoring my friend and won’t hand over any details. He has effectively told my friend to jog on when told of cost to repair.

McDonald’s not interested as they apparently don’t care what their employees drive or ride and the police have told my friend it’s unlikely they will do anything about it as nobody was injured.

So, is that that? McDonald’s not interested, police not interested, dodgy rider and their dodgy bike ride off into the sunset ?

[paddy1970]

Tell your friend it is time to take the law in your own hands...

[BertBert]

If only your friend had got insurance on their car, they could claim off that.

[P. ONeill]

BertBert said:

If only your friend had got insurance on their car, they could claim off that.

Shouldn’t have to claim off his own insurance when it wasn’t his fault.

[BertBert]

P. ONeill said:

BertBert said:

If only your friend had got insurance on their car, they could claim off that.

Shouldn’t have to claim off his own insurance when it wasn’t his fault.

Not at all. There are many scenarios which are not your fault where your insurance covers your loss. One of which is in the case of an uninsured scrote

[LosingGrip]

Digby said:

Friend parked in McDonald’s in his car, an employee from there leant his motorbike against a tree; bike fell over doing approx 400 pounds worth of damage to rear of my friends car. Turns out bike has no insurance, tax, is possibly stolen / cloned plate, owner of bike now ignoring my friend and won’t hand over any details. He has effectively told my friend to jog on when told of cost to repair.

McDonald’s not interested as they apparently don’t care what their employees drive or ride and the police have told my friend it’s unlikely they will do anything about it as nobody was injured.

So, is that that? McDonald’s not interested, police not interested, dodgy rider and their dodgy bike ride off into the sunset ?

Report to police. If they are refusing to provide details then its an offence. How do you know it isn't insured?

McDonalds have no reason to get involved.

If its not insured your friend can either claim on their insurance.

[Digby]

BertBert said:

P. ONeill said:

BertBert said:

If only your friend had got insurance on their car, they could claim off that.

Shouldn’t have to claim off his own insurance when it wasn’t his fault.

Not at all. There are many scenarios which are not your fault where your insurance covers your loss. One of which is in the case of an uninsured scrote

His excess means it will still cost him £400 to put right. He even asked the police to repeat what they said as he was sure they would be interested in an uninsured, untaxed rider who is so easy to trace (is refusing to give details) but they once again said it’s unlikely anything would happen.

[Westy Pre-Lit]

He is insured but his excess is £500.

I think people are missing the point here. Bike is possibly stolen on false plates, no tax, no insurance, no MOT.

Why do the police not give a toss ?

[Digby]

LosingGrip said:

How do you know it isn't insured?

The rider told him. The plate is fake (have pics) and he told my friend he has no insurance and won’t be paying anything as he has bills to pay.

[Durzel]

Even if the guy was prosecuted by the Police how would that make any difference to your friend’s situation? He’s going to have to clean off his own insurance regardless.

Not to defend the Police but unless they were there at the time then I’m not sure they could practically do anything after the event anyway, especially if it’s just a “he said, she said” situation. All of the evidence is hearsay.

[Digby]

Durzel said:

Even if the guy was prosecuted by the Police how would that make any difference to your friend’s situation?

True. Let him get away with it I say. And all the burglars etc.

[BertBert]

Digby said:

The rider told him. The plate is fake (have pics) and he told my friend he has no insurance and won’t be paying anything as he has bills to pay.

If he wants police action (which won't help him get any money), then my advice is to gather all the evidence and turn up at the local police station with it. That was taken notice of when an uninsured driver rear ended me. Turned out they were under observation by local plod. Didn't help my financial sitch at all. Just had to claim on my insurance. I survived.

[Digby]

BertBert said:

If he wants police action (which won't help him get any money), then my advice is to gather all the evidence and turn up at the local police station with it.

He did. They gave him a piece of paper with a crime number, an RTC comment and a list of false plate / no insurance and told him twice it’s unlikely they will do anything.

My friend told the rider he needed his full details and he just ran off into the ‘employee only’ area in McDonald’s.

What a world we live in.

[BertBert]

Yes all ste really, but just a reality of the world today. In such circs I always think that someone who thinks it's ok not to be insured and act like a prick will actually get their just rewards at some point even if it's not me who dishes it out.

[Westy Pre-Lit]

BertBert said:

Yes all ste really, but just a reality of the world today. In such circs I always think that someone who thinks it's ok not to be insured and act like a prick will actually get their just rewards at some point even if it's not me who dishes it out.

That's ok then, does that mean I can drive my car on false plates, with no tax, insurance or MOT, hit somebody, then tell them to get lost because the Police don't care anyway ?

I wonder how long it would take before the the Police came knocking on my door ?

[whimsical ninja]

Genuine question - is something which takes place off a public road a matter for the insurance companies at all? A vehicle that isn't being driven and isn't on a road is effectively just a lump of metal isn't it? I've no idea though

From a driver's obligations perspective, I'm a bit hazy, he might have obligations to provide details as I think the law states "road or other public place" so McDonalds car park may well apply. Not 100% though. As for insurance/tax etc, those are already on databases so whatever this clown says means little really

[LosingGrip]

whimsical ninja said:

Genuine question - is something which takes place off a public road a matter for the insurance companies at all? A vehicle that isn't being driven and isn't on a road is effectively just a lump of metal isn't it? I've no idea though

From a driver's obligations perspective, I'm a bit hazy, he might have obligations to provide details as I think the law states "road or other public place" so McDonalds car park may well apply. Not 100% though. As for insurance/tax etc, those are already on databases so whatever this clown says means little really

Car park would be classed as a road. Road Traffic Act applies still.

[kestral]

Did your friend ask and or obtain the name and address of the bike rider?

[BertBert]

whimsical ninja said:

Genuine question - is something which takes place off a public road a matter for the insurance companies at all? A vehicle that isn't being driven and isn't on a road is effectively just a lump of metal isn't it? I've no idea though

From a driver's obligations perspective, I'm a bit hazy, he might have obligations to provide details as I think the law states "road or other public place" so McDonalds car park may well apply. Not 100% though. As for insurance/tax etc, those are already on databases so whatever this clown says means little really

At least you've got that bit right

[BertBert]

Westy Pre-Lit said:

BertBert said:

Yes all ste really, but just a reality of the world today. In such circs I always think that someone who thinks it's ok not to be insured and act like a prick will actually get their just rewards at some point even if it's not me who dishes it out.

That's ok then, does that mean I can drive my car on false plates, with no tax, insurance or MOT, hit somebody, then tell them to get lost because the Police don't care anyway ?

I wonder how long it would take before the the Police came knocking on my door ?

That's exactly what I said. It'll catch up with you one day.