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insurance question

smiffyraf1

smiffyraf1

New member
hi guys got a funny one i cant seem to get a straight answer for.
got pulled tonight driving my friends car back from Top Gear he has fully comp insurance and i have fully comp classic cover on my 944 with adrian flux. after checking on the side of the road they couldn't determine if i was covered and sent me on my way with a producer. im now stressing about receiving 6 points and a fine if i find out im not covered, im pretty sure i cant drive other cars on my classic cover but my friend is sure i am covered with third party with his permission on his fully comp. Anyone know any more details?
thanks
James
 
If it is a classic policy that you have mate it doesn't normally cover you for third party on other peoples cars sorry [:(]
 
Plus it's unlikely your mates policy will cover you third party unless it's something he's specifically paid for but worth him checking. I've just insured with Adrian Flux last week on a classic policy and defo no 3rd party cover for other vehicles. Sorry mate
 
yeah this is what i thought, i knew i didnt have cover but he was sure his insurance covered other drivers with his permission third party
 
I hope so mate but as I understand both parties have to have some sort of insurance to drive the car. I.e. his fully comp and your fully comp allowing third party on his. I may be wrong. I hope so 6 points would be a bummer [:(] .
 
ORIGINAL: smiffyraf1 yeah this is what i thought, i knew i didnt have cover but he was sure his insurance covered other drivers with his permission third party
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In the past many fully comp policy's allowed the policy holder to drive other cars with the owners permission 3rd party, nowadays it is rare and not usually included in classic policy's to keep costs down. I've not heard of the reverse being the case (where the owner insures anyone to drive 3rd party), as I would imagine it would be v expensive and not really useful unless you are a taxi firm or motor garage. I really wouldnt drive anything unless I know for a fact I am insured as its just not worth the hassle (or heavy fine/points). Edd
 
i have looked everywhere on t'inters and just seem to get conflicting answers. think a lot of people answering are yanks which obviously have a different system to ourselves. argh thats sh1t if thats the case am sure if anyone knows it would be you copperman. just praying my local station go easy on me now. quite pissed off at my mate but guess its just as much my fault.
 
Dude don't beat yourself up. It's a proper mistake that most could easily make. Both Andy and I are only so quick to react to the post because we have both recently enquired or have taken up classic insurance. Hope it turns out good fella. Really do [:)]
 
thanks rob. me too. i suppose its not too big a deal, never had any points up to now. hes now proposing he adds me as a named driver and tries to backdate it to yesterday over the phone with his insurance company. not that i condone this but you reckon this could be a possibility? Am surprised the police let me carry on driving if there was any doubt, am lucky im not in a bloody cell!
 
I'm insured via RH Specialist Insurance for my classic car cover and it includes 3rd party cover for other cars. £187, garaged, 5000 miles. Check your certificate to be sure. Good luck.
 
ORIGINAL: smiffyraf1 hes now proposing he adds me as a named driver and tries to backdate it to yesterday over the phone with his insurance company. not that i condone this but you reckon this could be a possibility?
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Not likely. They'd be worried about an insured event perhaps having taken place or some other issue that hadn't been disclosed. Insurers are quite rightly unlikely to do this despite the prospect of them getting money for nothing.
 
At the roadside mate the only thing the feds can tell is if the car is insured, which is on the national database. The why's and wherefores are beyond them at the roadside without making many and varied radio and phone calls. Hopefully you will dip under the paperwork radar and chalk it down to experience [:)]
 
ORIGINAL: simkin911
ORIGINAL: smiffyraf1 hes now proposing he adds me as a named driver and tries to backdate it to yesterday over the phone with his insurance company. not that i condone this but you reckon this could be a possibility?
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Not likely. They'd be worried about an insured event perhaps having taken place or some other issue that hadn't been disclosed. Insurers are quite rightly unlikely to do this despite the prospect of them getting money for nothing.
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And they will record the call which in todays age is as good as writing it on paper so I wouldn't dig things any deeper by trying to backdate cover - could end up in a lot worse position. Just be polite to her majesty's finest, confirm you genuinely thought you had cover and you may get away with a small fine and training course or something - good luck
 
They are unlikely to prosecute i shouldn't have thought as you clearly have insurance cover on your own car and were simply mistaken about 3rd party cover . I forgot to renew my MOT on one of my cars a couple of years ago. I got an MOT asap and took the cert to the local Police Station and never heard any more about it. I assume they reasoned as I had another fully legal car to drive it must have been an oversight on my part and not intentional deception . I reckon they will probably do the same with you provided you get the 3rd party cover on your own insurance arranged immediately and get an ammended cover note asap to present at the Police Station.
 
If you have been given a producer I would still take go to the nic and show what documents you do have, I wouldnt go changing your mates policy in retropect as it may look a little fraudulent. Good luck with it. Edd
 
Yep, definitely do not try and get the back dated cover - (a) it won't happen and (b) it's fraud and (c) most decent insurance companies record all their calls. If you do get a letter through from the cops, you can always take it to court and plead your case - though technically you weren't insured you thought you were through an honest mistake, they'll see that you're not a yob and chancer with a dodgy motor trying to get away with ragging a car about never intending to get insurance... at least, I would have thought. They might not even bother considering you weren't pulled over for speeding or any other offence and THEN found out about the insurance (I take it then it just flagged up on their ANPR system?) - just got a horrible wait of a couple of weeks to see if a letter comes through now.... [&o]
 
ORIGINAL: simkin911 I'm insured via RH Specialist Insurance for my classic car cover and it includes 3rd party cover for other cars. £187, garaged, 5000 miles. Check your certificate to be sure. Good luck.
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I'm insured with them too and the renewal schedule this month shows a whole load of cover has been removed.? I'd advise you to read the small print very carefully with RH in future.
 
have checked my policy definitely no other car cover on mine then my missus thought i might be covered as i was a named fully comp driver on her cover but have checked and its policy owner only. will go in and have a word with the fuzz. they are pretty good in lincoln so have my fingers crossed
 
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