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Sept 24, 2008 21:01:13 GMT
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A friend of mine has recently crashed a van which he borrowed thinking he had third party insurance from his own cars policy, unfortunately it turns out his policy only covers "cars" and as it is a van he is uninsured, even at the scene the police were satisfied that the insurance covered the him on the van.
Now he is in a steaming pile of P00,
What happens now?
As a foot note, Let this be a lesson to us all, read the policy small print carefully.
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Uninsured Driverarthurbrown
@GUEST
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Sept 24, 2008 21:05:39 GMT
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curse word.
What happens? I guess he gets his ass sued, and everyone else's premiums go up a bit.
Always check to make sure first, is the lesson here. I have covered vans on Dayinsure before, for the sake of a tenner for the day it's worthwhile...
..
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Sept 24, 2008 21:29:00 GMT
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If the cops were satisfied then he won't get prosecuted. The insurance company will (should) pay for any third party damage, but may then may want to reclaim their costs off your mate. The insurance will decline to pay for any damage for the van. No need for anyone's premium to go up as the insurance pays for anything... He will probably declare this when he renews his own insurance and that will hike his premium.
Heck its a mistake I could have made. To draw the distinction between a car and a light van is a bit sniffy. Unless it was like a 14 ton 8 wheel Foden or something!
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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Sept 25, 2008 11:34:26 GMT
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The problem is that there are so many people driving around thinking they are insured when they aren't. Much more of a problem than the people that know they aren't insured.
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1997 TVR Chimaera
2009 Westfield Megabusa
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Sept 25, 2008 11:44:56 GMT
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tis true, my mate found out he wasn't covered to tow trailers when he had his accident, you gotta check everything with your company, wouldnt suprise me if they need telling about roofracks and stuff.
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Volvo back as my main squeeze, more boost and some interior goodies on the way.
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berendd
Europe
why do I need 3 keys for one car?
Posts: 1,449
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Sept 25, 2008 11:49:55 GMT
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mmh... over here the car has to be insured for a certain owner, but whoever borrowes it is insured for it as long as he/she has his license..
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Mr K
Posted a lot
Posts: 2,993
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Sept 25, 2008 11:56:50 GMT
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watch out if any of you have bought insurance from churchill online.... they don't ask what kind of cover you want. it wasnt until it dropped through my letter box and i looked over my cover sheet did i realise that they had only put me down for 'social domestic and pleasure' and theres no option on the online thing to select if you want 'social domestic and pleasure', 'social, domestic, pleasure and commuting' or 'bussiness' etc
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misteralz
Posted a lot
I may drive a Volkswagen, but I'm scene tax exempt!
Posts: 2,487
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Sept 25, 2008 15:46:43 GMT
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Just plain old watch out with Churchill full stop: cancelling my car cover and not actually telling me, refusing to do anything when our well pump broke and leaving us without water, etc, etc, etc...
They might be cheap, but that's only because they won't pay out for anything.
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Sept 26, 2008 9:06:14 GMT
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People will eventually work out that cheapest is not bestest.
I used to be with Commercial Union years ago, because my dad got a discount through his workhaing their insurance with them. Anyway, they were dearer than other quotes I could get but the old man insisted I insured with them (this was whenI still lived at home) and when I had my Capri broken into they couldn't have been better. When my old man had a buildings claim, again, no quibble and they paid out a LOT of money (something like £300,000 in the end, and thats 15 years ago) and it was all smiles and "cheque or bank transfer Mr Ku?"
OK insurance has become more cut throat then then maybe, but my dad always said its not cheap if its not fit for purpose.
Insurance can only get cheaper year opn year (which is does for a lot of people if not all) if they cut some cost out, and the costs they are cutting include payout costs by raising the level of exclusions.
But on the other hand you have to take responsibility for yourself, read the small print and if in any doubt if something is covered you can phone up and ask.
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1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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CIH
Posted a lot
Posts: 1,466
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Sept 26, 2008 10:21:27 GMT
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Couldn't agree more there alistairk. I use to work in insurance and the amount of problems from people who don't read what they've actually got is incredible. Especially when there are legal responsabilities involved.
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bryn
Posted a lot
Posts: 3,913
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Sept 26, 2008 11:41:16 GMT
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I borrowed a LHD Chevy truck many years ago to tow a project back to base, and an old lady managed to skim one of the guards on the trailer going through a village. I was naively driving under my third party entitlement clause, my insurance company turned around and said no way, it's not a car... I was then liable for the £980 Ford charged to polish out three scratches from her two year old KA. I set up a payment scheme of £20 a month with her insurance company, it helped that it wasn't my fault and they took pity on my situation after my company had treated me as they did. The outcome was very pleasant in the end, for reasons I won't mention here. Just plead poverty and pay by post dated cheques...  |
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Volvo, Buggy, Discovery and an old tractor.
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