john_p_b
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 posted on 13/10/04 at 11:14 AM |
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advice needed on a mate with no insurance driving around
ok here's the story, a mate of mine his cars off the road having his bloody awefull body kit superglued on to it (fiesta) so he's driving
around in his mums mazda 323 with no insurance. it's seriously starting to pi$$ me off now, he did it the once i was like ok fair enough
i'm sure we've all needed to jump in a car for something desperate at some time or another.
but he's doing it all the time now.
tonight he's supposedly going to long eaton (about 10 miles or so from here) and TOWING his mates car back to loughborough.
what would you do if you knew about this? he's really doing my head in now cos it's not that i'm bothered about him killing his self
but what if he ends up smashing into someone else.......i've tried getting it through to him time and time again how dangerous it is but he
doesn't see it and just keeps on driving like a complete tw@t.
do i just ignore it and hope he doesn't end up hitting someone/thing or do i make sure he is gonna learn his lesson??
cheers
john
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marktigere1
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| posted on 13/10/04 at 11:18 AM |
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You could try and explain what the consequences would be if he hit someone physically. They could sue his a@se off and have a chunk of what he is
likely to earn for the rest of his life!!
Not a good thought
Cheers
Mark
If a bolt is stuck force it.
If it breaks, it needed replacing anyway!!!
(My Dad 1991)
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stephen_gusterson
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| posted on 13/10/04 at 11:20 AM |
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is he insured for his own car?
if so, most insurance policies allow you to drive another car if it isnt owned by you, or subject to an HP agreement to you.
Or his mum might have him as a named driver
Or 'any driver' on her policy.
I recon he's likely covered on own insurance.
Just cos you are not insured doesnt mean you are gonna kill yourself or be more likely to have an accident 
atb
steve
[Edited on 13/10/04 by stephen_gusterson]
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mackie
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| posted on 13/10/04 at 11:24 AM |
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Is the problem that not only does he not have insurance but he also drives like a tw@t?
Not much you can do short of warn him of the consequences of driving without insurance.
I *nearly* got done for simply driving my friend's car 10m down the road (in the middle of the night) to park it and it's not a good thing
to have on your record.
He'd probably end up being sued if he hit someone but then again it's possible he could worm his way out if he promises to pay himself.
Some people are just irresponsible. At least he doesn't drink and drive
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john_p_b
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| posted on 13/10/04 at 11:29 AM |
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quote:
Originally posted by mackie
Is the problem that not only does he not have insurance but he also drives like a tw@t?
yeah exactly, i know being uninsured doesn't make it more likely he's gonna have a accident but i won't even get in a car with him
when he is insured and i'm hardly the most sedate driver around.
quote:
Originaly posted by mackie
At least he doesn't drink and drive
i only wish that were true i think he's stopped that now though after i knocked him out for trying to drive his girlfriend home after a very
long night out.
see what i mean he ain't right to be on the road never mind uninsured!
[Edited on 13/10/04 by john_p_b]
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Hellfire
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| posted on 13/10/04 at 11:38 AM |
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You need to think very long and hard about; basically; whether you are going to shop him or not don't you?
Personally I would not shop him, but then if he was involved in a Road Traffic Accident and someone "God Forbid" got injured or killed,
I'd be asking myself "could I sleep at night?"
I'm sure we all know someone who's doing the same, we all face this real life dilemma and it's up to us as individuals to make the
decision we feel is right at the time.
If 'he' gets killed then his family have no recourse either. His life is a total waste with nothing whatsoever so show for it. It may be
worth asking him to stop driving it or you will have no alternative to report him to the police, stating your fears and your commitment as a true
friend that he is really taking a big, big risk.
If he does get caught however, he will be landed with a fine and 6-8 points on his license and will possibly not get reasonable priced insured in the
foreseeable future, as a result.
The choice is yours my friend! 
D.O.T. Website
Incedentally the average fine for driving with no-insurance is £150 - the average insurance level is £400 - GO FIGURE!!!
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Hellfire
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| posted on 13/10/04 at 11:45 AM |
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quote:
Originally posted by stephen_gusterson
Just cos you are not insured doesnt mean you are gonna kill yourself or be more likely to have an accident
atb
steve
[Edited on 13/10/04 by stephen_gusterson]
That's quite wrong; according to statistics; apparently if you drive with no insurance you are more likely to drive "like a tw@t",
have no road tax, no MOT and various other problems with the car.... stats eh - who figured that one out? 
Stat's HERE
[Edited on 13-10-04 by Hellfire]
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ned
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| posted on 13/10/04 at 12:16 PM |
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I'm guessing this guy is a student? living at loughborough (uni) bodykit on car and drinking and driving etc?
Young people (myself and others i know) don't have the 3rd party on other cars clause in their insurance policies, most likely as it'd put
up the risk/cost of the policy.
Ned.
beware, I've got yellow skin
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OX
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| posted on 13/10/04 at 12:30 PM |
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if his mum has lent him the car and isnt worried about it ,why are you.if you have tried to talk sense into him thats about all you can do.Unless his
mum is as stupid as he is i would i would of thought that she has him insured on her policy allready.i think they would both get punished if the shit
hit the fan
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stephen_gusterson
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| posted on 13/10/04 at 12:36 PM |
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prob cos the car in question was stolen..............!
quote:
Originally posted by Hellfire
quote:
Originally posted by stephen_gusterson
Just cos you are not insured doesnt mean you are gonna kill yourself or be more likely to have an accident
atb
steve
[Edited on 13/10/04 by stephen_gusterson]
That's quite wrong; according to statistics; apparently if you drive with no insurance you are more likely to drive "like a tw@t",
have no road tax, no MOT and various other problems with the car.... stats eh - who figured that one out?
Stat's HERE
[Edited on 13-10-04 by Hellfire]
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stephen_gusterson
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| posted on 13/10/04 at 12:38 PM |
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I havnt done any exhaustive studies, but I dont think ive ever seen isnurance that doesnt let you drive another car....
also, Ive never seen an option to opt out on any online quotation quotes.
must be so cos you say its in your insurance!
I have heard tho that some of these youngsters do 100 in 30 zones, and go thro reds if no one is around. So high quotes are to be expected
its only bare road traffic act sub 3rd party cover anyways...
quote:
Originally posted by ned
I'm guessing this guy is a student? living at loughborough (uni) bodykit on car and drinking and driving etc?
Young people (myself and others i know) don't have the 3rd party on other cars clause in their insurance policies, most likely as it'd put
up the risk/cost of the policy.
Ned.
[Edited on 13/10/04 by stephen_gusterson]
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john_p_b
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| posted on 13/10/04 at 12:41 PM |
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quote:
Originally posted by OX
if his mum has lent him the car and isnt worried about it ,why are you.
my worry is simply this, i'm out driving around in my fully insured escort which i've spent quite a few grand making my own and the way i
want it. (don't worry no body kits etc) i'm driving along and then all of a suden he comes sliding into the back of me at a set of lights.
cars maybe written off and who's gonna pay for it? he's not insured so the only way to get money out of him would be to sue him which
would cost £££££ in the first place and he's got sod all money anyway after spending it all on his heap of a fiesta.
just really winds me up which i guess is why i posted this plus i'm feeling really tempted to shop him as it might be the only thing that
actually gets through to him
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john_p_b
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| posted on 13/10/04 at 12:47 PM |
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quote:
Originally posted by ned
I'm guessing this guy is a student? living at loughborough (uni) bodykit on car and drinking and driving etc?
we aren't all students who live in loughborough ya know! some of us are unfortunate enough to have been brought up here but please don't
hold it against me
so no he's not a student, he's a fitter at the local ford garage.
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mackie
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| posted on 13/10/04 at 12:51 PM |
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My insurer (Admiral) only insures for other cars if you are over 25 and then it's optional I think.
Policies for younger people don't tend to allow it in general. In my experience anyway.
My previous next door neighbour was rear ended by a lady with no insurance (she claimed it what an honest mistake but that matters not really). He
reported her to the police but they didn't seem interested. He had to spend months hassling her with solicitors and threats of litigation in
order to extract the £1200 it cost him to fix his Omega. Right royal pain in the arse. I think he'd have been happier if she'd be done for
it but as I said the police didn't want to know.
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ned
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| posted on 13/10/04 at 12:53 PM |
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apologies for the incorrect assumption then, but i hope you can see where i was coming from
Ned.
beware, I've got yellow skin
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ned
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| posted on 13/10/04 at 12:54 PM |
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Mackie,
Yes, my other half's insurance has a thing about over 25...
You seem to word much better what i was trying to say!
Ned.
beware, I've got yellow skin
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Alez
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| posted on 13/10/04 at 01:02 PM |
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quote:
cars maybe written off and who's gonna pay for it? he's not insured so the only way to get money out of him would be to sue him
which would cost £££££ in the first place and he's got sod all money anyway after spending it all on his heap of a fiesta.
But you are insured!
Good thing about insurance companies is that at least you get some convenience for your money.
They have the lawyers and the procedures, and they will sue him. Theoretically, your car will be repaired and you don't need to worry about how.
No?
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stephen_gusterson
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| posted on 13/10/04 at 01:10 PM |
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Alez
only if you have fully comprehensive insurance.
third party or third part fire and theft will not cover damage to your car, fault or not.
atb
steve
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john_p_b
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| posted on 13/10/04 at 01:20 PM |
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i am covered fully comp, pay the sum of £1069 a year for the privalige of it too but i don't have protected no claims so.........
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barrie sharp
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| posted on 13/10/04 at 01:49 PM |
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Shop him!! (if it,s true.) only takes a phone call Anyone on here would be up in arms if it hit any of there cars and he didnt have insurance..
if not give me his name and address by email and i,ll do it and for the drink driving.no execusses.
i have a van,two cars and a motor bike i have to insure all of them and (if true)pratts like this make all our payments go up each year.
all this is my own opinion
ps tell my workmate its ok to do ,his wife just been killed by drink driver who may not have been insured!!!!!!!
the cars looking good" a blind man would be pleased to see it"
''stop press'' the blind mans seen it said "it felt ok"
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stephen_gusterson
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| posted on 13/10/04 at 03:11 PM |
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crimestoppers
http://www.crimestoppers-uk.org/
bet they do feck all
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DarrenW
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| posted on 13/10/04 at 03:50 PM |
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Shop him. If you dont want to do it post his details and one us can do it. The only negative side to this is that he could be indicating he is not
covered but may actually be covered by another policy (some folks are strange like that - beats me why but theres a good northern term that sums this
up "theres nowt so quear as folk" - need to be sure before grassing him up.
It bugs me that us law abiding citizens do it all properly and get stung for rising premiums even though we dont claim etc to cover for others
stupidity. If he has an accident and causes damage then thats one thing. If he has an accident and injures someone thats another matter.
Why not have a vote / poll.
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blueshift
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| posted on 13/10/04 at 05:44 PM |
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Or if you don't want to shop him, perhaps just tell us an unrelated story about a friend of yours with a modified heap of a car. perhaps post
his name and a picture with a registration plate in it. and maybe an address.
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JoelP
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| posted on 13/10/04 at 09:10 PM |
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in this situation, the real problem is that he drives like a twat. even if he insured himself he could still kill someone. so, in this case, i would
make an anonymous complaint about a specific incidence of bad driving. He wont get convicted of anything but he will get a letter from local plod
asking him to drive better. my mate recieved a letter for shady overtaking and alledged speeding, just asked him to pull his socks up basically.
or just burn out his mums car...
ps steve, loads of insurance policies dont cover driving another car. No third party policy will i think, cos the borrowed car wont be insured for
damage to the car itself. plus the obvious fact that you might drive a ferrari on a fiestas insurance. Even on fully comp policies, you cant drive
another car that is registered to you - in this case its your car and they expect you to take ot another policy.
[Edited on 13/10/04 by JoelP]
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