Giz a go!

Mr. Presentable

Hypothetical situation.

Mate says "Mr P, nice motor. Can I take her for a spin?"

I give him the keys. Ten minutes later he has written it off. He is only insured for his own car.

Can I claim on his insurance, my insurance, or no insurance? He has committed an offence of driving without insurance, have I also by allowing him?

Is the best resolution to tell no one, sell the car for scrap and take reimbursement from my friend?

ARGINITE

Mr. Presentable wrote: »

Is the best resolution to tell no one, sell the car for scrap and take reimbursement from my friend?

Best Only solution.

tossy

You break it you buy it - golden rule of friendship

UnknownSpecies

Interesting question. I've another bit to add. Let's say he hits another car, therefore eliminating the possibility of telling nobody, what happens then? Can the owner be in trouble for willingly letting his car be driven by an uninsured driver?

Mr. Presentable

Mr. Presentable wrote: »

.............
Can I claim on his insurance, my insurance.......

No and no.

Marcusm

dorgasm wrote: »

Interesting question. I've another bit to add. Let's say he hits another car, therefore eliminating the possibility of telling nobody, what happens then? Can the owner be in trouble for willingly letting his car be driven by an uninsured driver?

Screwed and yes.

ahnowbrowncow

RoverJames wrote: »

No and no.

What's stopping them? How would the insurance company know?

kildare.17hmr

Friend of mine year ago picked up his car after gettin a load of work done, new alloys, shocks ect and i took it for a spin and went over a roundabout €1500 quid that cost me. Friend was sound about it and was more concerned i was ok. We alway had the break it buy it rule in our group

ahnowbrowncow

ahnowbrowncow wrote: »

What's stopping them? How would the insurance company know?

You're proposing a fraudulent claim as an option?

a_v525

If you're fully comp isn't anyone over 25 with a full licence covered to drive under your insurance with your permission? Think its in mine under "Who is covered to drive". Therefore it'd be your insurance that would be claimed off.

Or am I getting that wrong..

wonski

kildare.17hmr wrote: »

Friend of mine year ago picked up his car after gettin a load of work done, new alloys, shocks ect and i took it for a spin and went over a roundabout €1500 quid that cost me. Friend was sound about it and was more concerned i was ok. We alway had the break it buy it rule in our group

I did drive a lot of cars, well took for a spin really. I always make sure i have driving other cars extension, so at least i am legal, and if (not very likely) something goes wrong, i will feel obliged to cover the cost. Luckily for me none of my friend can afford Ferrari, or anything fancy like that, so i know i can afford paying it back, which is just decent thing to do, and the only option really.
There is an issue however when buying a car. I, and most of us on this forum would feel responsible to cover the cost(or buy car as it was), when anything happens during the test drive, which makes an argument of having an insurance valid for a test drive void really. Basically - you can't insure a car you don't own, so all you can do is using your 3rd party policy for driving other cars. Never had a seller being fussy about it, but it could be important to explain things in advance, just in case... I normally buy old bangers, so ready to pay if at fault, but some people may be not so honest/decent about it... What are the options then???

djimi

a_v525 wrote: »

If you're fully comp isn't anyone over 25 with a full licence covered to drive under your insurance with your permission? Think its in mine under "Who is covered to drive". Therefore it'd be your insurance that would be claimed off.

Or am I getting that wrong..

Not necessarily. Some policies might have open drive but its not standard. Just like most fully comp policies will have a clause that allows the driver to drive any car that isnt their own on 3rd party cover, but its not on all policies.

In the case in the OP, the car isnt insured, the driver could be done for driving without insurance and the owner could be done for allowing a non-insured driver to drive their car...

Dartz

A:) Depends on policy.

Some policies allow for Test drives and the like, both for the owner, or for the driver. How else would you be able to legally test drive a privately sold car before buying it?

wonski

Dartz wrote: »

A:) Depends on policy.

Some policies allow for Test drives and the like, both for the owner, or for the driver. How else would you be able to legally test drive a privately sold car before buying it?

I would say most of these transactions go without proper insurance. Never ever been asked for proof or anything, but as i said, never bought a valuable car really.
The thing is - every prospective buyer wants to drive a car. Not every one has any insurance to cover that. As for open drive, if any of the buyers crash yor car, you will lose your discount, so there is no financial burden on potential buyer, unless he agrees to it. Would like to see insurance company to offer something like test drive insurance, if any of their employees (Mugmugs for example) could bring it to their bosses attention, i would be very happy... Test drives are usually taken on short distances, and all parties involved are very careful at this, but you never know...

ahnowbrowncow

RoverJames wrote: »

You're proposing a fraudulent claim as an option?

I didn't propose anything, all I asked was what is stopping a fraudulent claim. How would they be caught?

Dartz

ahnowbrowncow wrote: »

I didn't propose anything, all I asked was what is stopping a fraudulent claim. How would they be caught?

Barrister wrote:

Mr Plaintiff. Is this the gentleman who was driving the car which struck you at such and such a location and such and such a time?

That's how.

Jimbob 83

Shure lend him your shotgun while you're at it.

Dr conrad murray

A few years ago, just after getting my first
car, (old 95 fiesta) was showing it to a workmate and he asked if he could
give it a spin around the work carpark.

me being nieve i let him he then proceeds to reverse it into a brand new
mini cooper and i ended up paying 800 euro out of my own pocket to repair the mini . the workmate had no insurance and the only way i could claim
from my insurance would be to say he stole it

Jimbob 83

I would have beaten the poo out of him and then sold said poo to go towards fixing the mini, but on a serious note thats harsh

wonski

Dr conrad murray wrote: »

A few years ago, just after getting my first
car, (old 95 fiesta) was showing it to a workmate and he asked if he could
give it a spin around the work carpark.

me being nieve i let him he then proceeds to reverse it into a brand new
mini cooper and i ended up paying 800 euro out of my own pocket to repair the mini . the workmate had no insurance and the only way i could claim
from my insurance would be to say he stole it

I think the only way you could claim was from your workmate wallet, tbh. 800 was not that much even back then, affordable i mean (driver like him deserves a bill to be honest, it's not like something came out of nowhere thing...)

ahnowbrowncow

Dartz wrote: »

That's how.

I was assuming that there is no plaintiff, single vehicle accident