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Thread: Non Insured Drivers

  1. #1
    spoons
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    Default Non Insured Drivers

    I'm sure I read somewhere that Uninsured Drivers are on the increase.

    It occured to me after watching 'Police Interceptors' TV program the other night...

    1) Some people do not have car insurance at all.
    2) Some people have car insurance, but it isnt valid.
    3) Some people have car insurance, but is deemed null and void.

    So, it doesnt necessarily mean they never bought insurance, just that it isnt valid or voided due to some reason on inspection...

    So even if you think you have car insurance, it could be voided at a POLICE telephone check or some other instance.
    Last edited by spoons; 28th July 2010 at 13:31.

  2. #2
    spoons
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    Default

    Here is an example...

    I called a company recently for car insurance.

    I went through all the questions and answered them all truthfully. Taking specific time over the modifications.

    The insurance was accepted by me and the paperwork arrived next day.

    I checked ALL the paperwork as I always do, and it was like I never had the phone conversation the other day. !!!

    None of the modifications were listed, there were sections blatently wrong and not what I had said.

    So I had to scribble out the paperwork in several areas and re-write it before I signed anything.

    Made me think how many people just sign the paperwork before reading it...

    In which case, you probably are not 'technically' insured !!

    And I have no doubts the insurance companies love customers who just sign the paperwork without reading it first... what a money spinner !!!!
    Last edited by spoons; 28th July 2010 at 13:33.

  3. #3
    spoons
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    Have a nice day...

  4. #4
    Regular Member elongmoss's Avatar
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    Off to check my docs again now as you got me thinking if i just signed it and sent it back

  5. #5
    spoons
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    And just to cheer you all up further....

    Home Office Regulations

    http://www.homeoffice.gov.uk/police/.../road-traffic/

    The police have the power to stop anyone at any time – they don’t need to give you a reason – and failing to stop is a criminal offence.
    When pulled over by the police, you may be asked to produce documents including:
    • driving licence
    • insurance certificate
    • vehicle registration document
    Power to Seize

    The police have the power to seize a vehicle if it’s being used in an anti-social manner (causing alarm, harassment or distress). This includes inconsiderate driving and unauthorised off-road driving of cars, motorbikes etc.

    Police can seize vehicles if drivers don’t have an appropriate licence or insurance.
    Last edited by spoons; 28th July 2010 at 13:52.

  6. #6
    Regular Member yorkshireborn's Avatar
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    Default

    loads of uninsured drivers round here

    mainly on the dodgy estate near me its a no go area for the police

  7. #7
    Full Member Big Sig's Avatar
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    Not forgetting the ones driving their "dads" cars on his insurance as a named driver.

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    Quote Originally Posted by Big Sig View Post
    Not forgetting the ones driving their "dads" cars on his insurance as a named driver.
    Is there something wrong with that

    It is worrying to think that you could be driving around unaware that you are not insured ...

  9. #9
    Regular Member stormspiel's Avatar
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    Teenagers can't afford insurance on their own policies so get Mum or Dad to insure their saxo/clio/corsa/scoob/AN other chav box and put them as named driver.

    If the document holder cannot prove that they are in fact the Main user then the insurance is technically void. The policy should have been done the other way around which would have cost more.

    Loads of people do it completely unaware of this until the teenager dings someone else and has to claim.

    My younger brothers mate (19yr old) has written off 2 nova's, 1 corsa & an astra. All four were insured this way but luckily for him the first 3 were single vehicle incidents (i.e.he mashed a subframe on a roundabout etc.) and he just has them towed to nearest scrappers and bought another. unfortunately for him he hit a parked car and an oncoming vehicle 4th time round. Then fled the scene..... got a ban, hefty fine and all the money to fix other cars came out of his pocket as insurance was deemed void.

    He's now off a ban and has a 1.8 SRI Astra again

  10. #10
    Regular Member Exclusive BV's Avatar
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    Added another...........


    1) Some people do not have car insurance at all.
    2) Some people have car insurance, but it isnt valid.
    3) Some people have car insurance, but is deemed null and void.
    4) Some people think they have a valid car insurance policy only to be told at re-newal time that it was cancelled mid term due to a bank error

    (good job I did'nt crash)

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