Page 1 of 2
Posted: Thu Oct 17, 2013 5:50 pm
by DNgroundworks
Hiya Lads, been working/subbing for a bloke, who regularly sent me out on errands in his van.
Anyhow one day, unbeknownst to me i got caught speeding which is fair enough, ill hold me hands up but the other problem is the bloke has now said im not insured.
Thing is he cant take the points as he already has 12, so he will lose his licence, so it looks like im having to take the rap.
Question is will they check to see who is insured specifically or just that the vehicle is insured.
If they do check the names on the insurance im screwed as-well, 3 points for speeding and 9 for no insurance, but ive read online that knowingly letting an insured driver, drive your vehicle results in the owner of said vehicle landing 6 points.
Any help?
Posted: Thu Oct 17, 2013 6:28 pm
by PavingSuperstore
Firstly I would be a bit careful what you say on an open forum.
As a guide, when we've received notification of a speeding ticket on a company vehicle, we have to reply back and advise the name of the person driving. I'm afraid I don't know if any checks are made to ensure that person is insured to drive the vehicle. I always thought however, that if you were insured to drive another vehicle in your own name, that you would be OK to drive other vehicles on a third party basis. This may be different when driving a vehicle for business. I'm certainly not an expert in this, but it might be food for thought.
Posted: Thu Oct 17, 2013 7:01 pm
by dig dug dan
Mate got a fine in the post and threw it in the bin, along with the two others. Unless they send recorded delivery, he never recieved them. He never heard anything after that
Posted: Fri Oct 18, 2013 6:18 am
by Dave_L
I'm certain it'll be just a fine and nothing more than the speeding ticket. Be careful in future as to what you drive! 
Posted: Fri Oct 18, 2013 7:35 am
by lutonlagerlout
I had it years ago (1992) mate wanted to borrow my pick up and lent me his maestro to get to work
Had a slight bump and the old ill turned up
No prob so thought but sadly larry had t insured is van
Costume £400 back then, if it was now ithinkthey crush the vehicle
We had an employee did the same as you dan, he denied he was driving so I asked forthe photo
It was him alright £80 fine 3 points
Cheers LLL
Posted: Fri Oct 18, 2013 9:18 am
by PavingSuperstore
Is the van insured at all or is it that it's not insured for you to drive?
Posted: Fri Oct 18, 2013 10:23 am
by lutonlagerlout
Sorry for typos iPhone keyboard on holiday
LLL
Posted: Fri Oct 18, 2013 3:40 pm
by enigmaenigma
It could be really bad, or just an inconvenience…it depends upon how vigorously they pursue it
There is an offence of using or allowing a vehicle to be used whilst uninsured…think of it like aiding & abetting you in the offence of driving whilst uninsured by letting you have / use the motor
My friend borrowed my car and said he was insured to use it under his own Policy. I have now found out that his Policy did not cover him for other vehicles. Can I be prosecuted?
Yes. If you lend your vehicle to anybody, you should only do so on the basis that you have checked the insurance position. Many people think that because they have fully comprehensive insurance they are insured on other vehicles. This is rarely correct. You can be prosecuted for permitting another person to use your vehicle without insurance and face 6–8 penalty points and a fine up to £5,000.
However and here’s the bit that stings & smarts…they try to avoid getting done for allowing / permitting you, then you get done for TWOC (Taking Without the Owners Consent)
Its often seen with parents that lend the car to their kids, only to find that they aren’t covered and face the prospect of getting points & fines along with the kid, or worse still, avoid that but have their kids done for TWOC instead
Personally speaking I would check / double check your own policy for other vehicle entitlement and seek proper real world advice
Posted: Fri Oct 18, 2013 10:52 pm
by r44flyer
If you were employed by this person in this instance it is reasonable for you to assume that you would be insured to drive a company vehicle, so not your fault.
Posted: Sat Oct 19, 2013 9:02 pm
by Big Phil
just fill the forms out as you were driving if you're taking an automatic 3 pointer as it's unlikely that the local plod will do no further checks other than process the fine. be a different matter if you had a bump mind.
Posted: Sat Oct 19, 2013 10:34 pm
by Dave_L
r44flyer wrote:If you were employed by this person in this instance it is reasonable for you to assume that you would be insured to drive a company vehicle, so not your fault.
To ASSUME makes and ASS of U and ME - in other words it is a dangerous thing to do. Not all employees are often covered on a business policy........don't take it as a given..
Posted: Sun Oct 20, 2013 11:06 am
by meany
Are you fully comprehensive on your own insurance..
You may be covered for driving third party only..
Posted: Mon Oct 21, 2013 8:45 pm
by r44flyer
Dave_L wrote:r44flyer wrote:If you were employed by this person in this instance it is reasonable for you to assume that you would be insured to drive a company vehicle, so not your fault.
To ASSUME makes and ASS of U and ME - in other words it is a dangerous thing to do. Not all employees are often covered on a business policy........don't take it as a given..
Granted, it's perhaps not a sensible thing to do, but it is a defence.
Posted: Mon Oct 21, 2013 11:12 pm
by enigmaenigma
Granted, it's perhaps not a sensible thing to do, but it is a defence.
Not really…as ignorance is no defence
And I’m sure the Clerk’s of the Court’s have all undertaken special lessons in how to say that phrase, so it comes across in the most condescending and blood boiling manner possible hehe
Posted: Tue Oct 22, 2013 5:34 am
by lutonlagerlout
I believe it was one of judge dread's favourite comments
LLL