No cover on a second car i was driving?

firebobby

Would have thought that your own comp insurance will allow you to drive another vehicle, with the owners permission, but only on third party. Check you policy.

Don't ask, I'm confused

Fully comp insurance on a car won't cover a van - a commercial vehicle.

Addition:
You were breaking the law and deserve to feel the full weight of the law. I was hit by an uninsured driver like you and had to pay Â£300 out of my pocket to repair the car. I hope you are banned for life.
Did your Dad give you permission, if he did then he should be banned. If he didn't then you TWOC'ed it.

poor o

your car insurance only covers you in other cars not vans as these are classed as commercial vechiles now does your dad have insurance for any driver on his van i? or if it is for over 25 s only look at his policy does it state over 25? if not you can produse it no questions i was stopped by police in my girlfriends estate car it was not insured for me i drive a lorry and asked my employer for the insurance for it i produced it to the police station the officer asked if the estate car was a commercial vechile? i said it was my employers and i was a named driver on his policy he acceped this... but i might be dodgy anyways

robynbiker

I would imagine they could have your dad as well for letting you drive his van without checking you have insurance.
You will get a minium of 6 points and a fine.

Ignorance is no excuse for breaking the law. Saying you thought you were insured wont cut it either. But you can use it as your plee, and may help to give you a lesser fine.

stile_usm

Check with your dad if he has insurance for you to drive the van.

If you don't have insurance then you will get an IN10 (Driving with out insurance) put on your licence for starters what else they do depends on the court.

TOON ARMY FOR EVER.

I will go with Taffy on this one.My policy clearly states any other private CAR, not any other vehicle.I would think most insurance companies will class a van as a commercial vehicle and not a private car.You will have to contact your insurers and see what they say,but i wouldn't hold out much hope.Sorry.

jason c

If you have fully comp insurance and it has no restrictions on it for driving a second car, you should be OK. However I know that several insurance companies are now asking people to pay or declare there intent to drive other vehicles on there insurance.
My advice would be to contact your insurance company direct and ask them if you are covered.
Ja.

atominfiltrators

If you or your Dad didn't have car insurance at all, its illegal. But of you drive your Dad's insured van its third party insurance which is legal.

tellygonemad

no getting out of it!! youve broke the law and now will be punished!! you will get a heavy fine and be banned from driving and have penalty points on your license!! you should have transfered your insurance over to your dads van before driving!! your next insurance quote will be scary

old know all

The insurance on your car should provide Road Traffic Act liability insurance when you're driving another vehicle with the owner's permission. Check your insurance certificate. If you're not covered, a good defence would be to claim that you had every reason to believe that you were since that's a feature of comprehensive insurance.

gary c

if you have fully comp insurance on your own car and your dads permission to drive his van then you should be covered third party check your insurance schedule

jibs

You are only covered if your dad is fully comp as well and there are no restriction on policy! If you go to court you get between 4/6 points on license and a fine of I believe up to Â£1000 but normally Â£200. Normally they take the car there and then and crush it so in a way you got off lightly! There is no way of getting out of it you should of phoned or your dad the insurance company to check it only takes 5 mins and they can arrange cover within minutes. Sorry to sound heartless as is not fair but you should always check as I know if you crashed into my car with no insurance I would of not been happy!

mrsc

i agree with Gary.

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