Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: richywilts on April 06, 2010, 12:04:18 am
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was using the other work vehicle that my partner ste pays for or supposed too!! done an 8 hour roundtrip and got pulled for no insurance now iv looked on the motor insurance database and it says vehicle isnt insured so looks like im goin to have to take my test again if its not insured!! i showed them that i had just renewed my insurance for my car coz i had my blackberry on me and had the confirmation i drove it thinkin i was on policy n that it was insured its news too me anyone any ideas wer i stand????????
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i take it they have took the van off you then richy? if not then you would of had to of got your mate who has the insurance to come an get it sharpish.
from what i know of you will be done for no insurance if your policy does not cover you or your friends policy doesnt cover you. you will get a fine plus points. also the vehicle will be impounded and you will be charged for this as well as recovery until someone with insurance picks it up
sorry mate
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no im supposed to be on the van policy as a named driver its stes van iv drove it thinkin that there was insurance as normal hes not mentioned anything to me that its void or been stopped etc for not paying the installments so i had no reason to think otherwise.i had no idea theres no insurance on it.iv had a look n i cud be gettin done coz theres no insurance on it even tho im insured on my car and van fully comp its the vehicle not the person!!
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no they have let me keep the van iv got a producer ste has the policy but i think hes cancelled it to be honest and not told me coz hes been skint.
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Oh so there is no actual insurance on the van yet your insured through your 'own' insurance? totally different then mate, i think you will be ok, as long as its taxed an mot'd then your insurance is good enough. your only 3rd party though. Have a word with Ste asap though as if he is using it it will be taken off him if caught driving
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no i think you will find your insurance will cover you only third party, if the van been driven is also insured by the owner
so it six points and a fine but i could be wrong good luck. and as far as i know you would only need to sit your test again if under a certain age
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anything i can do 4 you m8 bet yr
wounded giza bell if worse cums to worse
iv a driver 4 you m8 >:( >:( >:(
According to Pat and Carl in Slough, you were lucky to keep the van. you will proberbly have a fine and points. even if you are insured on other vehicles the actual van isnt.
courstey ov road wars ;D ;D ;D ;D
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yeah i had to retake me test last jan an extended test for bein disqualified so if i get 6 points in first two years of having a licence i have to retake it n iv already got 3 for speeding!! i thought the van was insured i payed the deposit on the insurance policy n the ten other installments come out of stes account im thinkin he aint kept up with payments and the insurance has been void n he hasnt let me know hence the reason for bein pulled for no insurance fingers crossed anyway
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A fully comp insurance on a car does not allow you third party cover on a van. It only allows you third party cover on another car. This is because commercial policies are treated differently.
I was lucky not to fall foul of this quite a few years ago when I was wrongly advised by a broker. When I queried it (in writing) he wrote back straight away to say that in fact I wasn't covered third party on the other motor even though the owner had a fully comp policy on the car.
Fortunately, I was never pulled during the brief period of this misunderstanding.
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You should contact the insurance asap and pay up in full, if you can.
If they can ressurect the policy it will save you cash and points.
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no i think you will find your insurance will cover you only third party, if the van been driven is also insured by the owner
so it six points and a fine but i could be wrong good luck. and as far as i know you would only need to sit your test again if under a certain age
Thats right, the vehicle has to be insured independantly before your policy covers you to drive it.
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I got done for driving without insurance some years back on a motorbike.
6 points & £180 fine and had to re take my test as it was in my first 2 years.
Go to court and explain your reasons behind driving it. Explain about your business and need for your licenece. A letter from Ste may help saying that he didn't inform you there was no insurance due to his pride and cash flow problems. You may need a solicitor for this. It may cost you as much for a solicitor as to retake your test, but worth it for the time and hassle of going through it again.
The court have the power to impose what they see fit. If your honest they could impose 2 points and a fine. Or just a fine because of your circumstances.
When I went to court there was a guy who had 9 points and was there for speeding. He needed his licence for his family as he lived in the sticks and car was the only way to work. They gave him 3 points and a fine but allowed him to retain his licence on 12 points.
Good luck buddy
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is ste your boss, or jsut a mate so you can get cheap insurnace this is very important can you produce a contract of employment, is the van in his name or companys name
dependins on if the van is classed as a company van and you are employed, then you might get away with it, as the law says it, is up to you to find out if you are insured or not, but can u imagine all the post men asking to see insurance before they take vans out, or any one who works for a company, this happened to my bro in law and he got away with it as work never payed the insurances
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its an odd arrangement the van is mine i bought it cheap off a friend but as i didnt really need it at the time i let ste use it put it in his name as a means of transport for him plus as hes had a licence for 10 odd years it was a cheaper alternative to me having the van insured in my name or business. the van was bought as we were setting up a roof coating business together.so the van (v5) is in stes name, the insurance is (was) in his name with me as a named driver.ste found out on his tenacy agreement that he wasnt allowed commercial vehicles to be parked in his carpark so we then lent the van to a friend for a couple of months who needed a van, we have recently taken it back off him as im gettin really busy with driveway cleaning.had it back a week or so weve had no pulls etc whilst driving around doing jobs then iv used it to pop to london to pick up a static system and an 1000ltr ibc and get pulled on way bk home none the wiser to why it has no insurance.
surely they dont expect u too contact insurance company evtime u drive a car
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yes they do rich, and they also expect you to check you lights etc every time you drive
have u been giving him the money and he hasnt been paying it
or does he pay the insurance out of his money, or the companys money
the only way you will get away with no insurnace is if its a company van, if he says u knew he had no insurance, yet u driven it, as it is up to you to check you are insured, if he says its his van and he told you he had insurance to cover you, some judges might say u should of checked, try and find out when the insurance ran out as they have to give you 7 days notice to cancel a policy, a notice he would of got
u might just have to bite the bullet and get done, but it means a ban a retest and high insurace for next 5 years dont trust any one when it comes to your insurance
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why didnt they take it off you at the side of the road, if you had no insurance they would of took it, did they think you was insured give you a produced, u have gone to get ur insurnace and then ste said he has no insurance
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surely they dont expect u too contact insurance company evtime u drive a car
No but it is your duty to make sure whatever you are going to drive is insured, you can explain all you want
this happened to me 3years ago and i was told the same by the way i got 6points and £250 fine in your case as its within 2 years of your last coviction for no insurance you could well be looking at a ban and a retest!
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no i think you will find your insurance will cover you only third party, if the van been driven is also insured by the owner
so it six points and a fine but i could be wrong good luck. and as far as i know you would only need to sit your test again if under a certain age
No insurance is an IN10 I had 2 of these 8 years ago, each one will give you 6-10 points on your license.
as for taking your driving test again, you only need to retake your test if you recieve 6 points or more within the first 2 years after you pass your test.
if you are insured for other vehicles 3rd party the vehicle that you intend to drive has to have primary insurance, if this van hasnt got any insurance at all, then you will not be insured.
Matt
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There is no way out of this one.
The driver is ALWAYS responsible for checking that he/she is insured to drive the vehicle. If you are driving another vehicle using your insurance as "any other vehicle" the other vehicle MUST be insured as well.
Be prepared for the worst.
Sorry but that's the way it is.
Dan
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Unfortunately Richy unless you can resurrect the insurance policy that Ste has allowed to lapse you are looking at a minimum of 6 points and as you say you've had your licence less than 2 years probably a ban and a retest.
As Matt rightly says if the vehicle doesn't have primary insurance it won't matter what cover you have!
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With a driving ban and a speeding conviction under your belt, I guess the roads will be a bit safer without you on them.
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A bit harsh Wally, this guy could lose his livelihood because he trusted a friend!
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I can't understand how you got to keep your van ???
So they let you drive off again un-insured??
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With a driving ban and a speeding conviction under your belt, I guess the roads will be a bit safer without you on them.
Bit harsh fella aint it????
where they pull ya??
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got any motor trader m8s to say u were
doing a bit ov valeting for them ;)
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just a note on this subject
Insurance companies will not "void" policies without notice, even if you fail to keep up payments
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Sorry mate, 6 points coming your way, IN10 and be prepared for people to refuse to insure you. You could possibly have a fine to of at least £250.
I know this because 6 years ago i drove my dads car as you under the impression i was insured as i insured 2 vehicles fully comp in my name and thought i was covered. I got the points and the annoying refusals!
Sorry bud, just the way it goes. But has taught me a lesson, i will never drive anyones vehicles, not even sit in their seat.
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could of been worse mate, u could of ran someone over then found out u had no insurance,
look on bright side, u still got van, employ some one to drive and get them insursed and carry on with ur business and dont trust anyone
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A bit harsh Wally, this guy could lose his livelihood because he trusted a friend!
He's already had one ban and was 3 points short of another one when he is now about to get 6 more. If his livelyhood was that important to him he would take more care. Harsh I know but I would never put myself in this position, I've had 3 points in 14 years of uk driving. I know that if I had done a retest and only had elbow room of 6 points I would not have got 3 points for speeding.
I am sure he is a great guy and a decent fella but what about those he is sharing the road with. He owes them a bit more responsibility and care.
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Check your insurance and see if you are allowed to drive another vehicle with the owners permission, most insurances used to do this as standard but they have phased it out over the past few years. Check both your car and van policies just incase one or the other has it. My van insurance only allows me in my van but the wifes policy on her car allows her to drive any other vehicle it all depends on the insurance company. I agree with some of the other comments it does seem very strange that they let you keep the van normally they wouldn't let you back in it, so make sure the van isn't insured thru your mate because police databases are not always correct.
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really feel for you mate. Makes you think though after something like this for the reast of us. Check ya paperwork. I just made a call to my insurance for my partners car to include for business use for the times my vehicle is off the road. Cost me £15, small pprice really.
Sorry again.
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A bit harsh Wally, this guy could lose his livelihood because he trusted a friend!
He's already had one ban and was 3 points short of another one when he is now about to get 6 more. If his livelyhood was that important to him he would take more care. Harsh I know but I would never put myself in this position, I've had 3 points in 14 years of uk driving. I know that if I had done a retest and only had elbow room of 6 points I would not have got 3 points for speeding.
I am sure he is a great guy and a decent fella but what about those he is sharing the road with. He owes them a bit more responsibility and care.
he is a descent guy a gud lad its his m8s fault end ov
i no both guys personally n richy will learn a valuable lesson fr this
he'll no who is m8s r if i av to work along side him , if he gets banned i will
help the lad all i can cuz i no he'd do same 4 me :D :D
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iv been in touch with the insurance company today and been down the cop shop we didnt take policy out till november the 4th 2009 and i paid the initial £115 then ste was meant to pay the monthly installments, december 4th payment not made, they tried to contact him via phone and email, jan 4th 2009 payment not made, jan 8th they said they gave 7 days notice to pay 16th still no payment policy cancelled. he said no ones been in touch at all. the police said if i can prove that i really wasnt aware then i may get away with it.weve borrowed the van to a friend since feb to end of march n he wasnt pulled he said he'l write a letter etc if need be, im goin to visit a solicitor tmoz see wat they can do to help.
i had been asking ste if the payments had been made n he said yeah i think so.
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iv been in touch with the insurance company today and been down the cop shop we didnt take policy out till november the 4th 2009 and i paid the initial £115 then ste was meant to pay the monthly installments, december 4th payment not made, they tried to contact him via phone and email, jan 4th 2009 payment not made, jan 8th they said they gave 7 days notice to pay 16th still no payment policy cancelled. he said no ones been in touch at all. the police said if i can prove that i really wasnt aware then i may get away with it.weve borrowed the van to a friend since feb to end of march n he wasnt pulled he said he'l write a letter etc if need be, im goin to visit a solicitor tmoz see wat they can do to help.
i had been asking ste if the payments had been made n he said yeah i think so.
do u want ma cousins num she a barrister lad ;D ;D
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Every fully comp van insurance i have had over the years has not let me drive another van 3rd party car yes but not van?
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why didnt they take it off you at the side of the road, if you had no insurance they would of took it, did they think you was insured give you a produced, u have gone to get ur insurnace and then ste said he has no insurance
because it was late at nite and i think the fact they believed my story n the fact that i wouldnt drive uninsured 400miles intentionally luckily i had just renewed the insurance on my new car the nite before and had the confirmation email on my blackberry so they gave me a producer to see what i could arrange, they could see that i had fully comp insurance etc
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sod this im gna go n c mr loophole who celebritys use!!!
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hope u get this sorted m8 ;D
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With a driving ban and a speeding conviction under your belt, I guess the roads will be a bit safer without you on them.
Bit harsh fella aint it????
where they pull ya??
i got caught in staffordshire ricky bout 50miles from home
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staffs bobbies r the worst jus ask dean tab lol ;D ;D
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richy, someone has already said it but check with the insurance company to see if they will reinstate the policy in order to post-cover you for the time you were caught driving the van.
its unfortunate for you mate and I'm sure many of us have had to take the word of a friend or business partner in the past that the insurance has been paid.
keep communicating with the insurance company and the cops to show that it really was unintentional and that you genuinely believed you were insured.
good luck old boy
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rich
You should be covered via your insurance on your car it maybe only thrid party but will get you out of trouble.
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the vehcle has to be insured for you to be insured third party.
if vehicles isnt insured your insurance will not cover you
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the van ad no insurance keep up
got to have insurance on the van ??? ???
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"If CALSBERG did WINDOW CLEANING
it would be C.C.C Probably the best WINDOW CLEANERS IN THE WORLD ..........."
yeah an if carlsberg did bloody van insurance i wouldnt be in this bloody mess hahaha
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thats rite richy lol gud job im at hand
to help you get thru this mess hey lad did we get the golf place m8
or that office building ;D ;D
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the van ad no insurance keep up
got to have insurance on the van ??? ???
alright alright calm down ;)
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richy, you are screwed unless you get that insurance policy paid up. Screwed.
It doesn't matter what your story is. You are screwed without that insurance policy.
Every other thought on this is just dancing around the real issue.
You need that insurance policy resurrected.
Or you are screwed!!!!! :)
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Am I missing something here?
Can anyone direct me to an insurance company that will back date an insurance policy?
Can anyone direct me to an insurance company that will go out of its way to help someone who has defaulted on payments?
Is it me that's totally lost my grip on reality or is it some of you guys?
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Am I missing something here?
Can anyone direct me to an insurance company that will back date an insurance policy?
Can anyone direct me to an insurance company that will go out of its way to help someone who has defaulted on payments?
Is it me that's totally lost my grip on reality or is it some of you guys?
You might be wally. He's not looking for a backdated policy. There was one in place already. The insurance policy might be suspended and not cancelled, due to non payment.
There is no accident at stake and the insurance company might be happy to continue the policy if paid up.
It doesn't make a jot of difference to the insurance company whether he gets stopped or not. The lack of payment could be down to an admin issue. Like a letter sent to insurance company from richy (which they never received) stating the new bank details for the payments.
I do understand where you are coming from though. This is naivety in the extreme, bordering on stupidity and is hard to sympathise with.
But it doesn't mean there isn't a softer landing for him if he puts his own brain into gear instead of blaming someone else for his own mistake. Sorry richy, it had to be said.
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Rich, your friend needs to be truthful if you are to get out of this unscathed. I find it difficult to believe he didn't receive any notice from the insurers. They usually write more than once in cases like this, and not every letter is going to go astray, unless his address details are registered incorrectly. He needs to check what details the insurance company hold, or held, on the policy. He would, or should, know what is coming out of his bank account. If, as you say, he couldn't afford the payments, he cancelled the payments, and allowed you to drive it knowing it was uninsured.
Hope you can get it sorted, but get your friend to 'fess up.
John.
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Isn't it an offence to knowingly allow someone to drive your vehicle with no insurance?
What's the chances of his mate confessing and getting into trouble when hecouldn't be arsed to tell him there was no insurance in the first place?
3rd paragraph - http://www.motoroffence.co.uk/services/insurance.php
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iv been in touch with the insurance company today and been down the cop shop we didnt take policy out till november the 4th 2009 and i paid the initial £115 then ste was meant to pay the monthly installments, december 4th payment not made, they tried to contact him via phone and email, jan 4th 2009 payment not made, jan 8th they said they gave 7 days notice to pay 16th still no payment policy cancelled. he said no ones been in touch at all. the police said if i can prove that i really wasnt aware then i may get away with it.weve borrowed the van to a friend since feb to end of march n he wasnt pulled he said he'l write a letter etc if need be, im goin to visit a solicitor tmoz see wat they can do to help.
i had been asking ste if the payments had been made n he said yeah i think so.
If your mate who borrowed the van writes a letter to say he used as well and thought the van was insured he might well end up with a summons as well!
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I would of thought even if someone is not earning a lot of money the insurance of a business vehicle has to be a priority as its what you use to earn you money for all your other bills, I know dates and amounts of every direct debit that comes out of my bank, along with my mortgage my insurasnce is just as important.
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Um, surely there are two people here that are likely to get done for no insurance? If you aren't covered then your mate certainly is not either?
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Something is not right here.
AFAIK the police don't give out producers for insurance anymore. One of the reasons they started using the database was because under the producer system there was a chance that someone who was stopped on suspision of no insurance was given 7 days to produce the Docs. The trouble from the polices point of view was that if the person did have no insurance (and in a lot of cases no licence) they were effectively sent on the way with 7 days where it was possible for them to drive around with out fear of punishment (as if you had a producer it would be pointless to issue a second.) If someone got injured or even killed by an uninsured driver that the police had just sent on his way then I am sure questions would be asked and the police potentially held liable for not preventing the offender from driving and any subsequent incident hence why the legislation was tightened up to allow cars to be confiscated and producers done away with.
Either the police believes that you were covered to drive the van or something else as gone on as you wouldn't be getting a producer these days rather the van impounded and 14 days from that to provide evidence (which it is unlikely you have if it isn't on the database).
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anyone know if id get away with just takin the policy in and acting dumb or do they check on the computer system
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it get checked n double checked m8
esp now they av traffic act 165 siezing ya motors like >:( >:(
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i took mine in once. they just looked at it and passes it me back. go on a sat morning five minutes before closing like our police station is
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You could try that with your papers mate. If i handnt of been honest in the police station i doubt i wouldve got in trouble. They check the papers like they do when your applying for tax. Try it and see.
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You could try that with your papers mate. If i handnt of been honest in the police station i doubt i wouldve got in trouble. They check the papers like they do when your applying for tax. Try it and see.
Not usually these days they don't they had a lot of trouble with people taking out insurance and then once they have the cover note canceling the policy. Once they have the cover note and policy details they will phone the insurance company to ensure that everything is legit ;)