Insurance Question please help

Mason64 · 19 Feb 2010 at 21:20

Right am not sure if this is right but i would like to know.....

I drove my g.f's dads car who is fully comp and i am also fully comp does that mean am allowed to drive it as 3rd party or is that totally wrong?

Basically i have just got done for not wearing a seat belt by a Camera van the speed van ones. The letter has gone to him. when he puts my name and other details on it will i get done because am not insured i dont understand the law.

Thanks
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danza · 19 Feb 2010 at 21:21

Read your policy documentation.

Your GF's dad will/should know whether you're covered under his insurance, which IIRC is only the case if he has an 'anyone can drive my vehicle' option added to his policy.

[TW]Fox · 19 Feb 2010 at 21:22

Congratulations, you just drove without insurance.

You do not have insurance on other cars unless its specifically stated on your certificate of motor insurance.

peterattheboro · 19 Feb 2010 at 21:23

PMKeates · 19 Feb 2010 at 21:27

Mason64, check your insurance documentation. I'd also suggest you contact your insurer for clarification - do not mention the incident at all.

If are covered, then fine - nothing to worry about. If you are not covered, do nothing. I suspect that the whole thing will go through without a single check of your insurance coverage at the time.

Cyanide · 19 Feb 2010 at 21:28

Do mobile speed vans really dish out tickets for seatbelt offenses...?

PMKeates · 19 Feb 2010 at 21:30

Cyanide said:
Do mobile speed vans really dish out tickets for seatbelt offenses...?

Generally it's a police officer in a van with a camera. He could take a photo of you stealing a Mars bar and prosecute you for theft. A crime's a crime!

Mason64 · 19 Feb 2010 at 21:47

is an option for him to just say he was driving and i will pay him to pay for the fine? could that work at all?

Or could i get my g;fs dad to ask for a photo because am 99% sure i was wearing 1. i just cant remember i normally do but i do happen to forget the odd 1 or 2 times a month when driving down the road i think **** i havent got my belt on.

P.S - this was a Speed camera van only! so they must get you for that aswell!

peterattheboro · 19 Feb 2010 at 21:48

Or you could accept what you did?

InvaderGIR · 19 Feb 2010 at 21:49

peterattheboro said:
Or you could accept what you did?

But that's the sensible thing to do. :confused:

Cyanide · 19 Feb 2010 at 21:50

How do you know it got you for not wearing a seatbelt?

Mason64 · 19 Feb 2010 at 21:50

my dads g.f got a letter today saying that.

he has to fill in the form to say if it was him or not. and they he will get a letter with a fine or i will depends what happens.

Cyanide · 19 Feb 2010 at 21:52

Why do they need to sort out the law? The law says you must be insured, it's up to you to check the terms of your insurance to make sure you have doc cover. Just being fully comp doesn't entitle you to drive other cars and afaik that's never been the case.