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Author fooking insurance, pretty bad problem!
dazbircher
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Registered: 6th Dec 05
User status: Offline
30th Oct 06 at 15:59   View User's Profile U2U Member Reply With Quote
Right, well me and my mate went to pick up my new interior at the weekend. Driving back down on the motorway a copper decided to pull us over cause apparently we looked suspicious with having the back of the car filled with "dark items". Anways he tells me to sit in the back whilst he goes over a few things, asks for my details etc and turns around and says according to this my insurance is only on Third Party Fire and Theft, to my recolection I asked to be put on Full Comp when I swapped over and never noticed it hadnt changed.but the price of my insurance went up so I didnt think otherwise.

I was in my mams car by the way.

So anways, after me arguing that Im fully comp he decided to give me a producer to take the cars test cert, insurance cert and license in.

I phoned up my insurance and enquired about the lack of change to my insurance, they told me I hadnt requested to change it so I asked for them to look up the recording of the phone call to prove I hadnt, they said this couldnt be done. Then they added that because Im only 21 then being fully comp wont make a difference because I need to be 25 to be able to be 3rd party on another car?

So basically, Ive got a producer from driving my mams car whilst only being insured on my car! And the insurance are being an arse.

Doesnt look like Ive got a leg to stand on so how royally fucked am I going to get?
City
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Registered: 30th Dec 03
Location: Wakefield Drives: Red GSi
User status: Offline
30th Oct 06 at 16:01   View User's Profile U2U Member Reply With Quote
9 points for no insurance
Melville
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Registered: 4th Jun 03
Location: Newcastle upon Tyne
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30th Oct 06 at 16:01   View User's Profile U2U Member Reply With Quote
Yup, normally you have to be 25 + to be insured third party on other cars.

Get practising picking up soap in the shower.

[Edited on 30-10-2006 by Melville]
Marc
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Registered: 11th Aug 02
Location: York
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30th Oct 06 at 16:03   View User's Profile U2U Member Reply With Quote
Shouldn't that be get practising having a firmer grip on your soap!!!
Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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30th Oct 06 at 16:03   View User's Profile U2U Member Reply With Quote
Have seen people get just 6 points for no insurance, and others given a ban.
TNM
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Registered: 5th Apr 04
Location: Nottingham Drives: VW Tiguan
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30th Oct 06 at 16:04   View User's Profile U2U Member Reply With Quote
Soap on a rope please.
mwg
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Registered: 19th Feb 04
Location: South Lakes
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30th Oct 06 at 16:06   View User's Profile U2U Member Reply With Quote
Harsh.

My insurance company has let me drive other cars since I was 21.... its written in the details of the policy so I know I am allright if I ever get stopped.
Pablo
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Registered: 3rd Feb 03
Location: Milton Keynes
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30th Oct 06 at 16:06   View User's Profile U2U Member Reply With Quote
Yes 25 for my insurance too!
nickyboy01
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Registered: 10th Sep 03
Location: Oxford-ish
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30th Oct 06 at 16:10   View User's Profile U2U Member Reply With Quote
Been able to drive other on mine ever since i started driving, i was TPf&T at the start
Zee Man
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Registered: 13th Mar 05
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30th Oct 06 at 16:12   View User's Profile U2U Member Reply With Quote
When renewing my insurance online I added the drive another car option (with Admiral) which cost £34.99, however no where on the website or terms and conditions did it say you have to be 25, it was only when i phoned and asked they told me, pain in the ass!
VegasPhil
Premium Member

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Registered: 16th Jan 05
Location: Fareham, Hants Drives: Octavia VRS
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30th Oct 06 at 16:12   View Garage View User's Profile U2U Member Reply With Quote
I never ask. I just stay in my car

Sounds like you might have a ban coming your way then mate .

Corsa 2.0 16v Vegas - Sold
dazbircher
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Registered: 6th Dec 05
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30th Oct 06 at 16:23   View User's Profile U2U Member Reply With Quote
gutted, especially considering id just spent £900 on that Kish interior that 7omm was selling

If I was to get banned how long would I be looking at?
baza31
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Registered: 19th Apr 03
Location: yorkshire
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30th Oct 06 at 17:15   View User's Profile U2U Member Reply With Quote
you wont get banned , let it go to court , tell them your story and hope for the best. tell them you use your car for your job
baza31
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Registered: 19th Apr 03
Location: yorkshire
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30th Oct 06 at 17:15   View User's Profile U2U Member Reply With Quote
ps your mums insurance may cover you
John
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Registered: 30th Jun 03
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30th Oct 06 at 17:20   View User's Profile U2U Member Reply With Quote
It doesn't matter if you are fully comp or not anyway.

Thats not what decides if you can drive other cars or not.
baza31
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Registered: 19th Apr 03
Location: yorkshire
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30th Oct 06 at 17:25   View User's Profile U2U Member Reply With Quote
do you know anyone with a traders policy?
andy1868
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Registered: 22nd Jun 06
Location: Burscough, Lancashire
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30th Oct 06 at 20:08   View User's Profile U2U Member Reply With Quote
i can drive third party on other peoples cars with Quinn Direct, and i'm 18 and only on a third party policy myself.
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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30th Oct 06 at 20:57   View User's Profile U2U Member Reply With Quote
yeh im tpft with quinn direct, only 19 and covered for tpo on other cars

well i was till i wrote off mine last week
Rich H
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Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
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30th Oct 06 at 21:09   View User's Profile U2U Member Reply With Quote
Yeh Quinn are pretty good if you want the ability of being insured on others peoples cars.

I'm with them atm, and its quite handy - can drive others peoples cars when they want to drink etc too - also nice to not drive mine occasionally lol.
geordiecorsa
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Registered: 26th Mar 05
Location: South Tyneside or deepest darkest cumbria!
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30th Oct 06 at 21:10   View User's Profile U2U Member Reply With Quote
Snap, I'm with quinn, and can drive any other car - though I'm fully comp. Still only 22 though.
Rich H
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Registered: 26th Oct 05
Location: West Sussex Drives: E46 M3
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30th Oct 06 at 21:11   View User's Profile U2U Member Reply With Quote
I'm only 19!

Sorry to hear about your situation btw daz - doesn't sound too good though
Tom J
Organiser: South Wales
Premium Member

Registered: 8th Sep 03
Location: Bridgend
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30th Oct 06 at 21:30   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Matty G
Harsh.

My insurance company has let me drive other cars since I was 21.... its written in the details of the policy so I know I am allright if I ever get stopped.

what company is that
Colin
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Registered: 4th Apr 02
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30th Oct 06 at 21:52   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by andy1868
i can drive third party on other peoples cars with Quinn Direct, and i'm 18 and only on a third party policy myself.


I didnt think that was possible with any insurance company to drive other cars ins tpft only
dazbircher
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Registered: 6th Dec 05
User status: Offline
30th Oct 06 at 22:28   View User's Profile U2U Member Reply With Quote
yeah the situation sucks. no point worrying about it now though its already happened. im going to the station tomorrow morning and just going to hope for the best. ill post whats happening later on.
mattk
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Registered: 27th Feb 06
Location: St. Helens
User status: Offline
30th Oct 06 at 22:58   View User's Profile U2U Member Reply With Quote
sorry to steal the topic but those with quinn direct how much u paying?? and what car, im 18 and finding it an absolute ball ache to find fully comp insurance on my own

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