ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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My brother was having a rather spirited shot of my car, and got pulled by undercover.
Now he should of been insured on the insurance policy, but for some reason, theres 2 of me on the policy, when it should be me, my mum and my brother.
The police are trying to charge him with no insurance, but its the insurance companies fault, he should of been on the policy.
We are going to phone them tomorrow, but could they just say no, hes not insured, and he ends up getting points?
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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get a recording of the call where you wanted him on the policy?
it might be your fault for not checking he docs when they got sent?
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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quote:
Originally posted by Twiggy
get a recording of the call where you wanted him on the policy?
it might be your fault for not checking he docs when they got sent?
Cant remember, but he should be on it.
Yeah, I just assumed they would be OK, fucking quinn direct 
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Twiggy
Member
Registered: 15th Oct 04
User status: Offline
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if he has his own is insurance policy then maybe he is insured on his?
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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If he is insured on your car, it should be on your documents. If not, then ask for recording of a call. However, if he isn't insured on it, then a "spirited" drive is his own doing Chris. He'll get 8 points for no insurance, and at least 3 for speeding 
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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Thing is, he should be insured on it, he would never of driven the car if he knew he wasnt insured, thats why its even worse 
Wasnt even speeding, he got excited at a roundabout 
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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Well mate, my gf's bro phoned his insurance company and they said he was insured on his gf's car. He got stopped for a spot check and wasn't insured at all. He phoned the company and they "lost half the phonecall log" and was banned for 6 months. Word of warning, companies don't always tell the truth.
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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Oh fook
Hopefully the court will take it into consideration, as he really wouldnt drive the car if he wasnt insured, and we all thought he was, he should of been.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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The details are on the policy doc, which you should have read and adjusted if it was wrong. If it has his name on, great. If not then he's not insured. Does he not have third party on his own policy?
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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quote:
Originally posted by Ian
The details are on the policy doc, which you should have read and adjusted if it was wrong. If it has his name on, great. If not then he's not insured. Does he not have third party on his own policy?
Checked the documents, and hes not on it, but he was defo added, it musnt of gone through. So hes likely to get bollocked, even though he didnt intenionally go out with no insurance?
Yeah, hes got his own car on TPFT.
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JohnNI
Member
Registered: 16th Mar 06
Location: Northern Ireland
User status: Offline
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http://www.jon44w.co.uk/forum/viewthread.php?tid=170757
Interesting read for you, I wouldn't use them. They have a shocking way of running a business, had trouble with them myself.
There pretty well known over here for being useless.
[Edited on 18-07-2008 by JohnNI]
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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It's not about intent, it's about whether he has it or not and the onus is on him, or indeed you, to check that he does via the paper copy of your documents. Obviously the company haven't effected the change - but that doesn't alter the offence.
Was he on the policy from the start or have you attempted to add him on?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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if he's not on the documents how did you think he was insured?
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Eck
Premium Member
Registered: 17th Apr 06
Location: Lundin Links, Fife
User status: Offline
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quote:
Originally posted by ChrisBoom
quote:
Originally posted by Ian
The details are on the policy doc, which you should have read and adjusted if it was wrong. If it has his name on, great. If not then he's not insured. Does he not have third party on his own policy?
Checked the documents, and hes not on it, but he was defo added, it musnt of gone through. So hes likely to get bollocked, even though he didnt intenionally go out with no insurance?
Yeah, hes got his own car on TPFT.
Sorry mate, but he's fucked. If it's not on your documents, then that's your own responsibilty for not looking them over properly. He'll get bumped silly.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Well - judging by that other thread the company have form for inefficiency and my other thoughts are that if you added him and paid more, the money may have left your account. If you've paid for it then you are in a significantly better position.
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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quote:
Originally posted by Ian
Well - judging by that other thread the company have form for inefficiency and my other thoughts are that if you added him and paid more, the money may have left your account. If you've paid for it then you are in a significantly better position.
but if they paid and received doumentation without the named driver added they should of amended it. as much the policy holders fault as the insurer really unfortunately
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Dave A
USER UNDER INVESTIGATION - DO NOT TRADE
Registered: 10th Dec 03
Location: County Durham
User status: Offline
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TBH nothing suprises me about quinn direct anmore. still owe me a small fortune, years on they havent paid out for a mates car, still hear the same story time and time again about them cancelling policies for silly reasons and usually without informing the policy holder........
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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how could you not know he wasn't insured on your policy?
when my insurance doc's came through i looked over them to make sure the car, level of cover, NCB discount, price, named drivers and personal details were all correct.
i thougth that was common practice?
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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It's also your legal obligation. Having said that, my expectation as a consumer would be that if I've spent the money the service is in place.
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richc
Member
Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
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quote:
Originally posted by Twiggy
if he has his own is insurance policy then maybe he is insured on his?
But the car being driven needs to have the 'any driver' term.
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ChrisBoom
Member
Registered: 6th Dec 06
Location: Highland
User status: Offline
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So I could get a bollocking too for letting him drive the car, even though I thought he was insured?
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JamesGSi
Member
Registered: 27th Apr 08
User status: Offline
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no you will be fine, but he will get bummed, your own fault for not checkin your proposal sheet! there is nothing either you can do as its there word against yours and who do you think they wil belive? a little person or a big-ish company? i no which on i will put my money down for, so bite the bullit and make it be a learnt lesson, my old insurance company(admiral) voided my insurance as my car was too low, as it got crashed into and they assessed it, they bummed me out of loads of money and voided the claim aswell as the insurance, oh and guess who iam with now? YEP Quinn Direct PMSL, Anyway, i dont stay with insurance compaies for more then a year now, always BETTER companies out there!
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B3KAN
Member
Registered: 15th Feb 07
Location: Inverness, Highland
User status: Offline
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quote:
Originally posted by ChrisBoom
So I could get a bollocking too for letting him drive the car, even though I thought he was insured?
Just tell them he stole it you will be fine 
Is he not covered thru his work to drive anycar?
[Edited on 19-07-2008 by B3KAN]
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lee2004_
Member
Registered: 23rd Jan 06
User status: Offline
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QUINN! Im with them and i got pulled yesterday and im on the policy twice and my dad once, but on my documents its just one of each!! they are retarded
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Jordan C
Member
Registered: 3rd Dec 07
Location: Dundee City Drives: Valver Corsa
User status: Offline
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whos ur bro insured with?
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