You have comprehensive cover on a vehicle which both of you use and the policy is in your name with your partner as a named driver. One morning your partner needs to get to an important meeting, but the car won't start. Your friendly neighbours, who happen to be a couple with an identical insurance profile to both of you, offer you the use of their vehicle. If anyone in this scenario turns their mind to the question of insurance at all, you might think you have nothing to worry about in the circumstances. You might reason that since you have 'driving other cars' as an extension on the policy, your partner has valid insurance to drive the borrowed car. You may even think that because you have comprehensive insurance, any damage caused to the borrowed car will also be covered. Or then again, you might think that because there is a valid insurance disc on the borrowed car, which you did carefully check, that your partner's driving will be covered by the policy effected by your … [Read more...] about Beware the small print: You may not be insured to drive that car
Insured driver driving uninsured car
ALMOST 3,000 Brits are being caught out each day by a crackdown on uninsured motorists. Owners of uninsured cars can be slapped with a £1,000 fine and face having their vehicle crushed - but they don't even have to be on the road at the time. The scheme, operated by Motor Insurers' Bureau (MIB) and the Driver and Vehicle Licensing Agency (DVLA), was first launched in 2011. Legislation passed in the same year allows the two organisations to take action against owners of vehicles that are uninsured or aren't declared off road. Data from MIB showing all UK motor insurance policies is cross-checked with DVLA vehicle records to catch drivers without insurance, meaning they don't have to be on the road to be caught out. The five millionth warning letter was sent to a British motorist in October, marking a significant milestone for the scheme. Insurance advisory letters are sent to owners found to be without proper insurance. They then have the option to insure their car or make a … [Read more...] about Almost 3,000 drivers a DAY are caught out by this uninsured car crackdown – and they could face a £1,000 fine or even have their motor crushed
West Yorkshire Police has made more than £1.8m by selling vehicles seized from uninsured drivers in the last three years, new figures show. The force confiscated more than 13,500 cars, motorcycles and trucks from motorists without the necessary cover from 2012-2015. They included five Porsches, two Bentleys and more than 360 BMWs.More than 2,600 vehicles were sold at auction during the three years, generating £1.07m. Another 4,743 were crushed and sold as scrap for a total of £743,000. In the last year West Yorkshire Police took 4,125 vehicles off the road – the highest figure for any force outside the Metropolitan Police.The highest total gained from a sale of a single car was £11,420.Those who are caught driving uninsured face a fixed penalty of £300 and six points on their licence. However, the number of people stopped by West Yorkshire Police for having no insurance has shown little sign of decline and motoring organisation the AA said the … [Read more...] about West Yorkshire Police makes £1.8m selling uninsured cars: Porsches, Bentleys and BMWs among motors seized
An uninsured driver damaged police cars as he crashed after a nine-mile pursuit in which he reached 90mph on built-up streets. Aaron Pearce put pedestrians and other motorists in danger during an “utterly deplorable” piece of driving through Batley.The criminals who have been jailed in Leeds courts in the last monthLeeds Crown Court heard Pearce, 21, failed to stop and sped off when police tried to stop him in the early hours of June 24 this year.Jessica Lister, prosecuting, described how Pearce drove through housing estates at close to double the 30mph speed limit.Pearce drove across junctions without stopping, went through red lights and ignored road works.Members of the public had to get out of the way of his vehicle as he drove through a pedestrianised zone in Batley town centre.Ms Lister said Pearce mounted traffic islands on two occasions and damaged street furniture.Pearce increased his speed in a bid to get away from officers, reaching around 90mph in a 30mph … [Read more...] about Driver damaged police cars during high speed chase
CAR insurance is a legal requirement so you are protected, as well as other road users, when an accident happens. Celebrity Katie Price has recently found herself in hot water after she was spotted driving while banned. What is the penalty for driving without car insurance? The 'continuous insurance enforcement' rule and the Road Traffic Act of 1988 say all cars have to be insured with at least third party cover if they're used on roads and in public places.You must have at least third party car insurance if you want to drive a vehicle on the roads in the UK. The driver, not the car, has to be insured. Since 2011 it’s been against the law to keep a vehicle without insurance unless it has been declared off road via a DVLA SORN. It is also an offence to cause or permit someone without insurance to drive a vehicle without insurance. So if you allow a friend or relative to drive your vehicle and they do not have insurance, you will commit the offence of permitting them to drive … [Read more...] about What is the penalty for driving without car insurance? How many points do you get on your licence and what is the fine?