Insurance Claim Situation

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Am I correct with the following?

A learner driver with comprehensive insurance was driving accompanied by a full licensed passenger. They are involved in a accident, accepting full liability.

The insurance company will pay out to the 3rd Party as well as the driver?

endacl

Why wouldn't they?

Atlantic Dawn

On the face of it yes but they shouldn't admit liability, your not supposed to do this.

The insurer will though try to wiggle their way out of the claim on with the basics they will check...
Valid NCT on insured vehicle
Tyre condition on insured vehicle
Any non declared modifications on the car

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So I was correct, I just had someone telling me otherwise.

What would be the situation if they weren't accompanied by a full licensed driver?

Atlantic Dawn

retweet wrote: »

So I was correct, I just had someone telling me otherwise.

What would be the situation if they weren't accompanied by a full licensed driver?

If not accompanied it would be up to the insurer based on their terms and conditions, most likely they would be covered to not pay the insureds damage. They will pay the 3rd party damage regardless.

IsaacWunder

retweet wrote: »

So I was correct, I just had someone telling me otherwise.

What would be the situation if they weren't accompanied by a full licensed driver?

Probably the same. Your insurance isn't automatically invalidated if you break the law. Unaccompanied driving isn't that serous an offence. Even if your speed or drive drunk your insurance isn't invalidated. L plates or none.

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I see!

Thanks for confirming

UsedToWait

retweet wrote: »

I see!

Thanks for confirming

I wouldn't count the above as confirmation.
The apposite word in that post was 'probably'...

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UsedToWait wrote: »

I wouldn't count the above as confirmation.
The apposite word in that post was 'probably'...

I know! Just wanted to see if I was even a bit right.

Pat Mustard

retweet wrote: »

A learner driver with comprehensive insurance was driving accompanied by a full licensed passenger. They are involved in a accident, accepting full liability.

The insurance company will pay out to the 3rd Party as well as the driver?

In this scenario:
1. Is there another party who is also involved in the accident?
2. Who caused the accident?
3. Who admitted liability for the accident?

mickdw

Alot of the insurers have not changed their policy wording to state that you are not insured if unaccompanied.
They would still be liable to pay other parties but would not pay out on own damage.

UsedToWait

mickdw wrote: »

Alot of the insurers have not changed their policy wording to state that you are not insured if unaccompanied.
They would still be liable to pay other parties but would not pay out on own damage.

I suspect a typo on one word has completely changed what you meant there