I've seen the damage, dented and scuffed down one side of the car - one door and rear wing.
What a complete cluster - some srious advice needed please
- Thread starter Terminel
- Start date
I've seen the damage, dented and scuffed down one side of the car - one door and rear wing.
Why would it need to be any kind of specialist policy? It just has to be insured.
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Why does it?
Soldato
- Joined
- 14 Dec 2013
- Posts
- 2,589
Is there a storage charge for the impounded car that get added daily/weekly or am I talking rubbish?
"dinged" a £5K with £2K worth of damage - that sounds like a fairly comprehensive ding!
I would not be surprised if, when the friend finds out, that the deal was the OPs son insures the car while the owner was away and the son never got round to it.
If the friend really has stuffed the son then, as the father, I would look to get the car released - will the police release the car to someone other than the registered keeper even with an insurance certificate?
If they will release then next step would be to find the friend, tell him what's happened and do a deal with the friend. Buy the car less the costs incurred by his carelessness with the insurance and then make a decision on the damage. Either way, it's likely the father is going to be putting his hand in his pocket so may as well retain the car if there is some value in it.
Would be interesting to know what the car is and what damage was done. Also - where is the friend and what was really the deal done between them.
Edit - the son was paying the insurance but his payment bounced - so he was skint and let it slide? If that's the case, how will he pay off his mate the value of the car?
I would not be surprised if, when the friend finds out, that the deal was the OPs son insures the car while the owner was away and the son never got round to it.
If the friend really has stuffed the son then, as the father, I would look to get the car released - will the police release the car to someone other than the registered keeper even with an insurance certificate?
If they will release then next step would be to find the friend, tell him what's happened and do a deal with the friend. Buy the car less the costs incurred by his carelessness with the insurance and then make a decision on the damage. Either way, it's likely the father is going to be putting his hand in his pocket so may as well retain the car if there is some value in it.
Would be interesting to know what the car is and what damage was done. Also - where is the friend and what was really the deal done between them.
Edit - the son was paying the insurance but his payment bounced - so he was skint and let it slide? If that's the case, how will he pay off his mate the value of the car?
afraid not, young lad asking for insurance for an impounded car.
"If you car has been seized by the police and impounded, you’re going to need an appropriate insurance policy before you’ll be able to get the vehicle released. A standard car insurance policy won’t cover you and you’ve probably got enough on your plate without dealing with seemingly obstructive insurance providers who either can’t help or want to charge you the Earth."
Very good question.......monthly payments to his friend is all I can think of. The more we dig the bigger the cluster!
That just sounds....odd?
There is absolutely nothing on my own insurance policy to state that the primary car cannot be released using it. It's just a fully comprehensive, standard policy. An appropriate policy is just an insurance policy to cover whoever collects the car
If you're certain on the above why don't you insure it, get it released then cancel the policy and get him to pay whatever the fee is.
There is absolutely nothing on my own insurance policy to state that the primary car cannot be released using it. It's just a fully comprehensive, standard policy. An appropriate policy is just an insurance policy to cover whoever collects the car
If you're certain on the above why don't you insure it, get it released then cancel the policy and get him to pay whatever the fee is.
Copied from an FAQ plus he was advised this by the police at the station.
"Standard insurance companies simply do not cover impounded vehicles. This is because motorists are seen as too high risk once their car has been seized. You will need a special seized car insurance policy to collect your car from the compound."
"It is very likely that to compound staff will wish to contact us and verify that we are aware you are using your policy to collect an impounded car."
All I can find is spammy adverts from insurers pushing 'specialist' insurance.
They seem to play on the fact that most insurers won't touch a driver with a conviction for driving without insurance - which is true.
But what is to stop you insuring the car to collect it? You have no pending conviction.
That said, several day insurance firms seem to say:
Surely somebody who has a car impounded for say parking it like a prat but has an otherwise fine normal insurance policy doesn't need to re-insure it to get it back?
They seem to play on the fact that most insurers won't touch a driver with a conviction for driving without insurance - which is true.
But what is to stop you insuring the car to collect it? You have no pending conviction.
That said, several day insurance firms seem to say:
Surely somebody who has a car impounded for say parking it like a prat but has an otherwise fine normal insurance policy doesn't need to re-insure it to get it back?
here's the wording from mine ( I just renewed so it's in my inbox):
"Excluding use to secure the release of any motor vehicle which has been confiscated, seized or impounded by, or on
behalf of, any Government or public authority, other than the vehicle identified above by its registration mark"
So you could insure it, release it then bin the policy and have the son pay for that - max £50
"Excluding use to secure the release of any motor vehicle which has been confiscated, seized or impounded by, or on
behalf of, any Government or public authority, other than the vehicle identified above by its registration mark"
So you could insure it, release it then bin the policy and have the son pay for that - max £50
does that not mean you can't use it to release your car if impounded?
your right - my bad, its on my policy as well
So, a phone call to the impound tomorrow to confirm if I can collect and what I need to have in place before I take the train may be a possible solution. However, I have no permision from the registered owner allowing me act as his apointee.
The problem here is he is insuring a car he doesn't own, unless he is married to his friend a lot of insurers don't like that as they have no financial interest in the vehicle.
My policy states - "The policyholder and the registered keeper may be different, but only providing the registered keeper is the policyholder's spouse/partner. Otherwise the policyholder and registered keeper must the same person."
My policy states - "The policyholder and the registered keeper may be different, but only providing the registered keeper is the policyholder's spouse/partner. Otherwise the policyholder and registered keeper must the same person."
He was paying for his friends insurance from his own bank account? Why?
You said "here my son is a named driver on his insurance"
So that totally doesn't add up. I think he is telling porkies.