Idiot copper on emergency bikers-CH5

[TW]Fox;19912202 said:
Ignorance is no defence - if you drive for a living you really should make sure you insure your car properly.
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Delivery a few sandwiches is hardly "driving for a living".
Is it ?

She did have a lovely couple of baps though. :)
 
JKD said:
Me and the wife were just saying that. So she's at least taken the effort to insure the car for sdp but now has a 200 fine and 6 points. Compare that with the usual scumbags on these programmes that have stolen cars, no licenses and get virtually nothing.

That'll be why I don't respect the filth.
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I agree but its not the filth who sentence.
 
[TW]Fox;19912407 said:
Quite - this is what confuses me about the entire thing. Disputes contractually between the insurer and the insured do not waive the insurers obligation under the Road Traffic Act therefore I cannot see how she was legally uninsured, therefore I cannot see what the 6 points were for.
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This is how I see it too. Would it not be up to the insurer to pursue this matter as a breach of contract where an accident to occur?
 
pmbuzz said:
Delivery a few sandwiches is hardly "driving for a living".
Is it ?
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It is if she is doing multiple daily sandwhich runs?

I dont drive for a living in my job, but I have a need to travel between a couple of different sites only one of which is my fixed place of buisness. Because of this I have the correct buisness insurance. Its not hard and it didnt even cost me anything extra.
 
B&W said:
So on a night out or when there's no bin in your sight and you have no tissues do you keep it in your mouth and wait till its all gone funny or do you put it in your pocket?
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Having had someone elses gum on my shoes and even my jeans yes I would bin it or wait.

As for the insurance point, when her insurance company asked her what does she use her car for? and what is her occupation, I suspect she didn't tell them the full truth. If she had of done then they would have no doubt increased the use from SD&P and the premium accordingly. Why she decided not to tell them, well only she knows, but I would bet it was to keep the premium down.

I do wonder how you would view this if whilst she was out delivering she hit your car causing a few £000's of damage. Then when you tried to claim off her insurance company they tell you her policy is being treated as void ab initio and your left with the repair bill.

Jack
 
JackRegan said:
I do wonder how you would view this if whilst she was out delivering she hit your car causing a few £000's of damage. Then when you tried to claim off her insurance company they tell you her policy is being treated as void ab initio and your left with the repair bill.

Jack
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The Road Traffic Act forbids the insurer from doing this. You would not suffer.

EDIT
Don't take my posts the wrong way - she should have a business extension on her policy so I have little sympathy, I'm more interested in the technical side.
 
SDP, you can't drive TO and FROM work? Lol, what? Since when?

I have informed many an insurance company I park my car at work in the car park, and never had it mentioned to me. I think the VAST majority of people in the UK use SDP for their car's (as in 99%).

Tell me, what other policy type do you suggest a 1 car household?
 
Lopéz said:
The Road Traffic Act forbids the insurer from doing this. You would not suffer.
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But it does allow the insurer to pursue the person so they can recover the funds. No doubt this would result in extra cost for the insurer in legal fees etc, which in turn helps to put all our policies up just that little bit more.

This is why I have so little sympathy for people without the correct insurance. It costs me the best part of £1000 a year to do it properly, i dont see why others should get away with it.
 
Scougar said:
SDP, you can't drive TO and FROM work? Lol, what? Since when?

I have informed many an insurance company I park my car at work in the car park, and never had it mentioned to me. I think the VAST majority of people in the UK use SDP for their car's (as in 99%).

Tell me, what other policy type do you suggest a 1 car household?
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You cant with Bell thats for sure. Mine is down as SDPC they seperate on social domestic and pleasure, and social domestic pleasure and commuting.
 
Lopéz said:
This is how I see it too. Would it not be up to the insurer to pursue this matter as a breach of contract where an accident to occur?
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Well you are not driving under the conditions of required level of insurance - car could have been seized under sec 165 powers. In the case you of insurance having to pay out the insurer could take a civil claim out against the person.

It would be like driving another persons car when you have insurance on your own but not DOC - do you really think you can just put it down to breach of contract because you happen to not be in the car thats insured under the policy?
 
Scougar said:
SDP, you can't drive TO and FROM work? Lol, what? Since when?

I have informed many an insurance company I park my car at work in the car park, and never had it mentioned to me. I think the VAST majority of people in the UK use SDP for their car's (as in 99%).

Tell me, what other policy type do you suggest a 1 car household?
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SDP&C, Fully comp?
 
Scougar said:
SDP, you can't drive TO and FROM work? Lol, what? Since when?
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Since ALWAYS, SDP = Social, Domestic and Pleasure i.e visting friends or going shopping or just driving for the sheer hell of it.

In order to COMMUTE to a single fixed place of work you would need SDP&C (Social, Domestic, Please and COMMUTING)

In order to commute to multiple places of work (for example working in an office but needing to visit a client, or making deliveries, e.g sandwiches) you would require business insurance.

Does this make things a little clearer? Good
 
Lopéz said:
The Road Traffic Act forbids the insurer from doing this. You would not suffer.
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I was under the impression this was the case only in event of an injury, not simple damage?

There used to be an offence of obtaining a pecuniary advantage for instances like this and for non disclosure of penalty points, but think it is now called something else under the fraud act.

Either way, blood and stone springs to mind.
 
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