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| I Think I'm In The Poo... | |
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| Tweet Topic Started: Mar 19 2008, 03:12 PM (318 Views) | |
| Argie | Mar 19 2008, 03:12 PM Post #1 |
Doesn't have a home to go to!
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Now most are aware that my posts can be a bit long in the tooth etc so i'll try and keep this as short as possible..yeah right.... :lol: Between Fee and I we own 3 nissan micras and i own 2 of them. This morning whilst returning from taking mother out i got stopped by the nice Policeman for an ANCR check in one of MY Vehicles. This particular Car (Registered to me) was bought for my brother to drive around in but because he went to America and the other Micra i own is broken i drove his......here comes the crunch. My Brother has Insurance - for himself to drive this Car I do have Insurance but for the other Micra NOT for this one. The Insurance Policy states that i can drive other cars with the owners permission But because i OWN this Car i am NOT Insured for this Car. If this Car was registered in his name i would be ok but because it's registered in my name i will be getting prosecuted for Driving without Insurance which will mean an instant ban and a large fine. This will mean getting Temporary Insurance for this Car until my brother returns from America. It will cost £105 to get it out of the compound but first i have to go to the police station to prove that i am insured for this Vehicle before i can get it back home. The Ins' company told me that it takes 48hrs to come up onto the system and therefore advised me to get the Police to phone the Insurance company to Validate my claim to be Insured. Nearly there..... I have phoned my Ins company to put this car onto the other Car Policy but i can't because they don't do that.(farce) So i have to pay an £35 for a month (30 days) for a maximum of 3 months one month at a time (another farce) To finalise: I have been Insured for 28 years and this is the first time anything like this has happened and i don't feel very well at all atm .....all that for going down the shops.... I thankyou for your patience. |
[GK-customfield]Paul[customfield-GK] needs a Turbo!
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| rob99 | Mar 19 2008, 03:19 PM Post #2 |
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Dead rising
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FFS Argie! ![]() It doesn't rain but it pours mate!! I'm not sure I can suggest anything to help you with this predicimant. ![]() If you haven't already shop round and see if you can get the insurance a bit cheaper maybe? I'm sure if it went to court you could plead ignorance in as much as you have insurance for a Micra and this states you can drive any car with the owners permission.... Hold on.... You did ask yourself if you could drive your car didn't you??? Crazy mate. Good luck and keep us posted with progress as I'm interested to hear the outcome and if they actually charge you for it. ..it'd be a bloody joke if they do. |
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Everyone you meet is fighting some kind of battle. Peter David Edwards. 15/10/1947 - 26/05/2008. R.I.P. | |
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| Argie | Mar 19 2008, 03:34 PM Post #3 |
Doesn't have a home to go to!
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Cheers rob but to be honest i reckon they'll throw the book at me for not being observent enough. i even said to the copper that it's stupid that you can insure other people to drive other peoples cars but not for the Insurance on one car to insure another car. I couldn't believe i couldn't add another car to my policy...it's all screwed up imo
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[GK-customfield]Paul[customfield-GK] needs a Turbo!
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| Scooby_Widow | Mar 19 2008, 03:36 PM Post #4 |
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Unregistered
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its just a way to make more money one policy per car cant you swap the insurance form one car to another as your car is broke?? i know it doesnt help with going to court and that but atleast it will save you some money in the mean time......
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| Argie | Mar 19 2008, 03:43 PM Post #5 |
Doesn't have a home to go to!
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Thats a good idea but the other car will be fixed in under a week so by the time i get the paperwork swopped over.... Insurance comps are a joke i agree, they even said is the car worth more than £20,000! Who are these people?
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[GK-customfield]Paul[customfield-GK] needs a Turbo!
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| sparky3172 | Mar 19 2008, 03:44 PM Post #6 |
NISSAN
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WRITE A RECEIPT FOR THE SALE OF THE CAR FAX IT TO YOUR BROTHER GET HIM TO SIGN IT AND FAX IT BACK HENCE THE SALE HAS TAKEN PLACE YOU NO LONGER OWN IT THEREFOR YOU ARE INSURED (USE YESTERDAYS DATE ) LOG BOOK DOESN'T NEED TO BE CHANGED UNTIL HE GETS BACK JUST FILL OUT NEW KEEPER DETAILS
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| Scooby_Widow | Mar 19 2008, 03:46 PM Post #7 |
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Unregistered
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thats a really good idea .... no extra expense
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| Argie | Mar 19 2008, 04:15 PM Post #8 |
Doesn't have a home to go to!
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That's a goodun' but as all those officers know, the Car belongs to me and as i had no conversation regarding the sale it would be difficult to say that, although i did say that i have a memory loss problem
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[GK-customfield]Paul[customfield-GK] needs a Turbo!
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| sparky3172 | Mar 19 2008, 04:37 PM Post #9 |
NISSAN
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BLAME THE OTHER HALF FOR NOT TELLING YOU AND ALSO THE CHANCES ARE THE 2 COPPERS YOU SAW WONT BE DEALING WITH YOU AGAIN ANYWAY IT WILL BE A CIVILIAN DESK JOCKEY
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| slogo | Mar 19 2008, 06:57 PM Post #10 |
Here to stay
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then get done for perverting the course of justice. these things happen, be honest and tell them. I'm sure its better than being caught lying. and then could get banged up. could of hit some one or something, then find out your insurance wont pay out. |
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| cyman | Mar 19 2008, 07:02 PM Post #11 |
Here to stay
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totally agree its not your fault your brother never sent off his part of the log book is it.
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| Andy | Mar 19 2008, 07:03 PM Post #12 |
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Unregistered
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thats a huge ball ache argie, sorry to hear about that mate i hope you get it sorted soon.
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| kandy man | Mar 19 2008, 07:40 PM Post #13 |
Doesn't have a home to go to!
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it das state on the log that the registered keeper is not the legal owner,see if that one helps you get out of the poo
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| [GK-customfield]LEE SMITH[customfield-GK] | |
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| sparky3172 | Mar 19 2008, 07:46 PM Post #14 |
NISSAN
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as i said all you need is a bil of sale nothing more
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| Argie | Mar 21 2008, 08:33 AM Post #15 |
Doesn't have a home to go to!
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cheers Andy At least we've got the Car back now, insured, MOT'd and Tax'd (2 weeks left) Yesterday was a bit of a mare.... Got up early and took Fee to work as we only had one car left out of the 3. We had a FAX sent through from the Ins' company to confirm i had seperate Ins' for this car. I took said Fax with all the Car paperwork down to the Police at Gravel hill. The FAX was refused on the grounds that i did not have the original Ins' document and that it wasn't normal 'procedure'. So fee phoned someone up at Verwood Police station and a Sargeant said that it would be ok to get confirmation from the Ins' company and that the person i dealt with obviously didn't know this and Fee was given a Fax number. I phoned Ins' up to get a copy of the Policy sent to G/hill, problem was that the Fax number was the wrong one. So after getting the correct FAX number, 3 phone calls to the Ins' company, 3 phone calls to the Police @ G/hill i thought it would be over.... The Ins' people did send the Policy copy to G/hill but it was the wrong one as it was for the other Micra. So after another phone call to the police @ Verwood and a phone call to the Ins' company G/hill received the correct Policy, was accepted by the man on the desk and i was on my way. Did a quick trip to Holton heath, picked up Fee, drove to Fernside motors @ Wallisdown and then back home to Hamworthy.....after all that i went to bed at 9:00 because i was so knackered.... All i have to do now is wait for my summons to court.....ho hum |
[GK-customfield]Paul[customfield-GK] needs a Turbo!
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| Andy | Mar 21 2008, 09:21 AM Post #16 |
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Unregistered
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surely if they accepted the fact you have insurance you shouldnt recieve a summons argie? or are they still trying to do you for something? |
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| Argie | Mar 21 2008, 10:47 AM Post #17 |
Doesn't have a home to go to!
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Even though i had comprehensive Insurance i wasn't covered for that Vehicle. Every Vehixcle has to have seperate Insurance which imo is a scam. I paid good money to drive a Vehicle but what am i actually getting Insured for, is it for the Car, me hitting someone, someone hitting me? Anyway these Ins comps make everything up as they go along and make money through stealth Policies....I even lost 10 years no claims just because i didn't renew my Insurance for 2 years As far as i'm concerned an Insurance policy is an Insurance policy. If i own all the cars and i have fully Comp Insurance then i should be able to drive all of my cars regardless...it's an absolute farce imo. |
[GK-customfield]Paul[customfield-GK] needs a Turbo!
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| JASE | Mar 21 2008, 11:35 AM Post #18 |
Here to stay
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HI MATE just read this thread you wont be banned at all for a first time minor tradffic matter in relation to driving on a road with no valid insurance you are looking at a max of 6 points and a fine + court costs insurance policies are very crafty are you not on your brothers insurance as a named driver? the log book is not neccessarly the legal owner owner of the vehicle and never has been re you and your insuarnace as long as there is a valid insurance currently running for the micra and displaying its registration number and you have your own insurance and your s clearly states can drive other vehicles , then and only then are you fully covered and no prosecution can take place. if you want take this email to them and quote me :ph43r: :ph43r: :ph43r: |
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| Argie | Mar 21 2008, 11:58 AM Post #19 |
Doesn't have a home to go to!
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Thanks for your post JASE Unfortunately my Insurance does not state that i can drive other vehicles. I am not on my brothers Insurance as he just added himself to another Policy which was already running. I also have 6 points on my licence which means that under the totting up procedure i will in fact be getting a ban. |
[GK-customfield]Paul[customfield-GK] needs a Turbo!
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| JASE | Mar 21 2008, 12:04 PM Post #20 |
Here to stay
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oh dear 12points can still be endorsed by the court on a licence with out a ban though if you plead your case as a complete genuine mistake explaing the full reason why you thought you where covered may just in fact assist in the reduction of points issued if you require your licence for work etc this can also be taken into concideration fight it on these grounds your fully aware of the worst case senario but could come out with one last chance as long as your last 6 wherent for insurance issues or document offences |
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