Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: omegod on 14 May 2009, 19:00:04
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I assume people are aware of this link where you can check any reg number to see if it's insured! you know, the horrible neighbour, pleb in work , kn*b down the pub etc etc
http://www.askmid.com/ownvehicle/
wouldn't it be awful for them to get their car seized for driving without insurance!
I had a bad day but feel better now :)
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If you use that link for someone elses vehicle YOU are breaking the law aswell! You tick the box to confirm YOU are the owner of that vehicle. Read the small print :y
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If you use that link for someone elses vehicle YOU are breaking the law aswell! You tick the box to confirm YOU are the owner of that vehicle. Read the small print :y
OK officer. Slap the bracelets on. I'll come quiet like. ;D
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Wow!! That's a great tool! :y :y
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Wow!! That's a great tool! :y :y
LIZZIE!! You've embarassed me now :-[ ::)
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If you use that link for someone elses vehicle YOU are breaking the law aswell! You tick the box to confirm YOU are the owner of that vehicle. Read the small print :y
It's ok, im on the pleb in works computer :y
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Wow!! That's a great tool! :y :y
LIZZIE!! You've embarassed me now :-[ ::)
;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D ;D :y
I think though to do that to you, a man of the world, would be very difficult! ;D ;D ;D ;)
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Mine came up as not insured.
Not surprised though as it was taken out of the uk nearly a year ago ::)
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If you use that link for someone elses vehicle YOU are breaking the law aswell! You tick the box to confirm YOU are the owner of that vehicle. Read the small print :y
OK officer. Slap the bracelets on. I'll come quiet like. ;D
I would but I know you'd enjoy it Steve ;D ;D
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wouldn't it be awful for them to get their car seized for driving without insurance!
The askmid site is just an indicator, it doesn't mean $hit in the real world and never will.
The reason it is worthless is quite simple, it's the driver who needs to be insured....not the vehicle.
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The reason it is worthless is quite simple, it's the driver who needs to be insured....not the vehicle.
The driver needs to be insured on that specific vehicle. You cannot drive a Ferrari with insurance for a Fiesta and say "but I'm the driver, and I'm insured!", and expect to get away with it.
If you see a car being driven on the public road, and the driver does not have insurance to drive that car, then they will get trouble from the law, as they are driving without valid insurance.
Of course, you can get comprehensive cover, which covers you third party if you drive your mate's car, up to a point. This is effectively insuring you on any car that you drive with the owner's strict permission.
Can't do that if you're under 25 anyway! Makes sense, to stop young 'uns like me getting their hands on their dad's 200bhp RWD barge...oh wait :D.
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You're first and third paragraphs are contradicting each other.
The database is simply an indicator, and it tells you that itself.
The database does not know who is behind the wheel.
The database does not know if it is a hire car.
The database does not know if it is a trade car.
Even English law states it is the driver who needs to be covered against a minimum of 3rd party risks, it makes no mention of the vehicle and never has.
The database is a good idea, and for the most part works.
However it is not infallible, and does even the police do not assume automatic guilt if the computer tells them the car has no insurance.
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The reason it is worthless is quite simple, it's the driver who needs to be insured....not the vehicle.
While I know what you're trying to say, I can't see how that can be completely true. eg A mate of mine had never had his own car for years, so therefore never had a policy out in his own name. However his two jobs both entailed driving, delivery van & taxi driver. Both vehicles could have been driven by anyone! I know that in the past, my Dad has had insurance for his car that was for 'any driver' ;)
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While I know what you're trying to say, I can't see how that can be completely true.
Let's say you have a car and you park it up on your drive because the insurance that you had for it has lapsed. Now at this point, the insurance database will (quite correctly) report that there is not a policy in force which makes mention of that particular vehicle.
Now I come along ( with a policy that lets me drive anything), and say "Lend us ya motor for the day Andy".
Providing I have your permission, your car has every right to be back on the public highway while it is in "my custody & keeping".
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You're first and third paragraphs are contradicting each other.
Well, yes and no. You can get fully comprehensive insurance, but if I got third party insurance on a Ford Fiesta, then I assume that I am only covered to drive the Ford Fiesta I got insurance for, which would indicate the car is insured to be driven, by me.
I will concede the point about the database, as I do not know exactly how it works. I assumed it trawled through insurance company databases to see if the details matched. Thinking about it, I doubt it could have every single insurance company in there!
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Providing I have your permission, your car has every right to be back on the public highway while it is in "my custody & keeping".
This has come up loads of times before, and as I understand it, the car has to have some kind of insurance on it before your suggestion will legally work.
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Providing I have your permission, your car has every right to be back on the public highway while it is in "my custody & keeping".
This has come up loads of times before, and as I understand it, the car has to have some kind of insurance on it before your suggestion will legally work.
Only if the policy states as such.
A lot of companies did get wise to the fact that people were insuring matchbox cars and then driving 300BHP behemoths, and subsequently introduced that clause.
There are still a few though (Equity Red Star being one) that do not have that particular clause where driving other vehicles is concerned.
PS
There is also the traders policy, £400 a year and you can drive it regardless of whether your name is on the log book or not.
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That's how I understand it to. A car needs to have insurance attached to it, in some form or another, before even a third party with comprehensive can drive it.
This debate has been had on another forum I visit and I am currently trying to find the exact answer given by a copper himself!
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In holland we can check every car we want legally :y
You can check if its insured,if its got MOT,type of car,what engine it is etc,etc....
Very handy if you wanna buy another used car :y
grettings,Danny
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AskMid aside, this is the whole "car/driver insurance" debate answer I was searching for, from a traffic copper himself...
Both driver and car need to be covered, even if that is by sole virtue of the driver's policy. Only the driver gets punished if they mess up though...
The mantra that police apply at the roadside is:
"is this driver insured to use this vehicle for this purpose in this place at this time?"
So not only vehicle and driver, but also purpose of use and location or time may be relevant.
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Both driver and car need to be covered, even if that is by sole virtue of the driver's policy.
That says what I have said all along, there is still no mention that the car has to be insured in it's own right (ie, a policy exists that is tied to that particular car).
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Both driver and car need to be covered, even if that is by sole virtue of the driver's policy.
That says what I have said all along, there is still no mention that the car has to be insured in it's own right (ie, a policy exists that is tied to that particular car).
As I suggested ...... what about a company's 'pool car' available for use by anyone?
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Both driver and car need to be covered, even if that is by sole virtue of the driver's policy.
That says what I have said all along, there is still no mention that the car has to be insured in it's own right (ie, a policy exists that is tied to that particular car).
As I suggested ...... what about a company's 'pool car' available for use by anyone?
I used to have to manage the car "pool" in a previous existance. What you will find is that all drivers details (ages, convictions, etc) of the people who can drive the car (i.e. employees) are logged with the insurance company under a Company Policy at the time of renewal.
Any changes to circumstances (e.g. more points on an employees licence) must be advised to the insurance company during the life of the policy.
We got caught out because one employee had a crash and didn't advise us that he had collected an extra 6 points on his licence using his own car which we obviously hadn't been able to imform the insurance company about as we didn't know.
Technically the insurance company could have refused to cover us but as these were the first 6 points he had we got away with it.
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Both driver and car need to be covered, even if that is by sole virtue of the driver's policy.
That says what I have said all along, there is still no mention that the car has to be insured in it's own right (ie, a policy exists that is tied to that particular car).
As I suggested ...... what about a company's 'pool car' available for use by anyone?
What about it?
If it is a company car then it will already no doubt be insured, and I expect the agreement will be based on "anybody who holds (or has held) a full license and is not disqualified from driving" will be allowed to drive it if so authorised by the company.
Unless I am missing something, I was under the impression that the discussion here was whether a vehicle needs to be specifically insured in it's own right before anybody can use it.
It's the insurance company who decide what cover they are prepared to offer the driver (and if that cover involves any extra clauses), not the police.
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What about it?
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Unless I am missing something, I was under the impression that the discussion here was whether a vehicle needs to be specifically insured in it's own right before anybody can use it. .......
Which is what I was on about. It's possible to have cars that are insured for any driver, & not specifically Joe Bloggs having his own insurance to drive any vehicle.
You can climb down off your horse now! :-?
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What about it?
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Unless I am missing something, I was under the impression that the discussion here was whether a vehicle needs to be specifically insured in it's own right before anybody can use it. .......
Which is what I was on about. It's possible to have cars that are insured for any driver, & not specifically Joe Bloggs having his own insurance to drive any vehicle.
I never said otherwise, it was you who called in to question my statement about the car not having to be insured in it's own right >HERE< (http://www.omegaowners.com/forum/YaBB.pl?num=1242324004/12#12)
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Both driver and car need to be covered, even if that is by sole virtue of the driver's policy.
That says what I have said all along...
Well, this is what you originally said...
The reason it is worthless is quite simple, it's the driver who needs to be insured....not the vehicle.
So you can understand the confusion!
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From what i can see the database is useless - one of my vehicles according to that is uninsured, yet i have the certificate- 2 months old in my hand....
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From what i can see the database is useless - one of my vehicles according to that is uninsured, yet i have the certificate- 2 months old in my hand....
Yes, but have you paid the latest instalment........ :D :D
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There has been great debate recently about this. you can only drive another car, on your insurance if the car has insurance in it'w own right, otherwise the moment you leave the car, then the said car is uninsured, and if on the road could be towed away.
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From what i can see the database is useless - one of my vehicles according to that is uninsured, yet i have the certificate- 2 months old in my hand....
Yes, but have you paid the latest instalment........ :D :D
paid in full at start :D
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From what i can see the database is useless - one of my vehicles according to that is uninsured, yet i have the certificate- 2 months old in my hand....
Yes, but have you paid the latest instalment........ :D :D
paid in full at start :D
:y :y :y