Driving while banned

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Sat 4 May 2019 07:43
Driving while banned - Kate Panesar
My partner insures a corsa that is registered to his mates girlfriend so him and his mate can use it to drive back and fore to work. My partner drives it as his mate is banned from driving but we’ve found out that on the weekends his mate is driving the car! I just wanted to check if it is the registered keeper who will get in trouble for letting him drive it and not the person who has insured the car ? It doesn’t seem fair because my partner has just insured himself to drive it so they can use it for work but has no right to stop his mate from using it at the weekends because it isn’t his car.

Any help greatly appreciated as I am a little concerned.

Thanks guys!
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Sat 4 May 2019 07:56
Driving while banned - gordonbennet

Suggest partner buys his own car and transfers insurance to that, now.

Now you know about all this, there could be implications all round, if the disqualified (who isn't a mate, he's an idiot) person happens to have a serious accident or even get pulled by plod then the implications for your partners future insurance needs are serious, and we haven't even touched on the responsibility to the general public morals of this.

We all know what will happen if the disqualified bod gets a tug, he'll claim to be your partner, and if he's daft enough to take even say the points from a camera speeding nick for his supposed mate, then we are into ''perverting the course of justice'' territory when it all comes out (and it will), something MP's seem to be familiar with these days.

Edited by gordonbennet on 04/05/2019 at 07:57

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Sat 4 May 2019 10:29
Driving while banned - Palcouk

In addition to the initial reply, it also appears that your partner is 'fronting' an insurance policy, ie he is not the owner of the car and is insuring because he can get a cheaper quote than the real owner. I dare say there is no 'work comute useage' on the policy. On that basis, let alone the banned driver, your partner faces haveing the policy cancelled, and the subsequent consequences of that for the future

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Sat 4 May 2019 10:43
Driving while banned - Kate Panesar

In addition to the initial reply, it also appears that your partner is 'fronting' an insurance policy, ie he is not the owner of the car and is insuring because he can get a cheaper quote than the real owner. I dare say there is no 'work comute useage' on the policy. On that basis, let alone the banned driver, your partner faces haveing the policy cancelled, and the subsequent consequences of that for the future

Good Morning, My partner is not insuring it because he can get it cheaper than the owner, she has a new car. This corsa was just sitting there rotting away while my partner was driving his bmw to dirty construction sites so they decided between them that while his mate takes care of the general maintenance of the car, my partner insures it and they split the car tax cost. Also my partner chose usage:Social, Domestic, Pleasure and Commuting (SDPC), so yes there is commuting on the policy. While I appreciate the help and replies, I don’t appreciate assumptions that my partner is trying to get away with something. He isn’t the one driving whilst banned, all he wanted to do was preserve his beemer and make use of an old banger sitting around. Try being a little less presumptive in future.
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Sat 4 May 2019 11:22
Driving while banned - gordonbennet
Also my partner chose usage:Social, Domestic, Pleasure and Commuting (SDPC), so yes there is commuting on the policy.

Check the small print carefully here, commuting means almost always to one place of work, you mention 'sites' as in the plural which means more than one place of work, which yes does mean you need Business use, which itself doesn't cost a great deal and some companies (Direct Line for one) include as part of a comprehensive policy.

You might not like some replies to these questions but asked us we didn't ask you, most of us here have been around a good few years and seen what trouble people can so easily get themselves into, and we've seen and some of us in our and our children's youth so called mates who are as irresponsible as your partner's walk off into the sunset without a care in the world having dragged their friend, your partner in this case...who was helping a lifelong friend out they thought...into a world of trouble that, with insurance and the law involved, could have implications for many years to come.

The advice you get here could well be worded differently, and that applies to me as much as anyone else, but it's not meant in any way nastily, we are trying to avoid your partner (which will affect your car insurance too if it all comes out) being dragged into the mire his mate has attracted for himself and it appears has not learned his lesson yet...now do you think this mate is a good influence?

One way out of this would be for the mate's partner to insure the car for herself and your partner as a named, but the main, driver, that way if matey boy gets nicked again or cleans up a bus queue, it will be nothing at all to do with your mate legally (unless the mate claims successfully to be your partner at the scene), morally seeing he and you know what's going on is another thing altogether.

Edited by gordonbennet on 04/05/2019 at 13:06

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Sat 4 May 2019 18:22
Driving while banned - Bromptonaut

I think Kate's partner has two potential vulnerabilities. The first is 'cause and permit' offences:

https://www.orsa.org.uk/the-law/road-traffic-law/

The muppet's g/f who is actually the registered keeper is going to be first up here. I've read of Police using this where people have tried to avoid a speed camera offence by claiming cousin Billy from Alice Springs was driver at time. Billy is now of course safely at home. If Billy doesn't exist then keeper is in Huhn/Onasanya territory and a charge of perverting case of justice beckons. If they're happy Billy exists next question is to asceetain if he was insured. If not then Cause and Permit charges might be an option.

If he's taking the car that's one thing but if she's complicit, say sending him out do do shopping then she's at least theoretically at risk.

If Muppet crashes car and leaves a promising computer scientist as 'living dead' with a multi-million damages claim for lost earnings and care then where does your partner's insurance sit in the claims hierarchy for that uninsured loss? I don't know answer to that question and lack time to research it, sorry.

Others above question whether your partner's travel to work constitutes commuting for insurance purposes. If he works on one site for six months and then moves to another for next six months he's probably OK.If he goes to several sites and more so if he moves between them in working day then that is probably business use. He needs to check his small print....

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Sun 5 May 2019 19:45
Driving while banned - nick62

The person who has just become the ex-MP of Peterborough because of her dishonesty, comes across as one of the most arrogant people I have ever seen

They ought to have locked her up and thrown away the key.

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Sun 5 May 2019 23:34
Driving while banned - Vitesse6

If you are going to lock people up for arrogance you will need an awful lot of new prisons.

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Mon 6 May 2019 10:12
Driving while banned - Bromptonaut

The person who has just become the ex-MP of Peterborough because of her dishonesty, comes across as one of the most arrogant people I have ever seen

I saw her as more delusional than arrogant, particularly the video protesting her innocence. Appearing before the Court of Criminal Appeal utterly unprepared and pleading fact rather than law is another. Her professional role may have been in property but any solicitor, nay any well organised litigant in person knows you can't 'wing it' in front of Brian Leveson.

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Sat 22 Jun 2019 12:44
Driving while banned - Twinwren
Your partner should not be insuring the vehicle end of story. He is not the owner so has no financial so therefore no insurance interest in the vehicle. He would have been asked if he owns the vehicle at the time if quoting. Insurance will have been declined if he said he is not the owner.

Source - ex insurance underwriter
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Sun 23 Jun 2019 09:47
Driving while banned - Bromptonaut
Your partner should not be insuring the vehicle end of story. He is not the owner so has no financial so therefore no insurance interest in the vehicle. He would have been asked if he owns the vehicle at the time if quoting. Insurance will have been declined if he said he is not the owner. Source - ex insurance underwriter

Agree with basic advice - barge poles come to mind..

Less certain that insurance industry would never insure a vehicle where proposer was not owner. The fact would have to be properly declared and may influence premium, it may also be against policy of some big names in car insurance to offer such cover. Not an absolute bar though.

There are outfits like Cuvva that specialise in providing exactly this type of insurance - for short terms at least.

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Sun 23 Jun 2019 14:15
Driving while banned - gordonbennet

Not sure the OP will see or reply to any of the later posts, previous answers given trying to keep her chap (and the chump's partner) from getting in a world of trouble, because his mate is a prize chump, were not appreciated.

Wonder if plod's collared the banned fool yet.

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Mon 24 Jun 2019 08:48
Driving while banned - Lee Power

Last couple of car insurance policies I've entered in to have requested my driving licence number of myself the policy holder & also the named driver on the policy.

Surely if someone is banned this will flag up via the driving licence number?

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Mon 24 Jun 2019 09:17
Driving while banned - gordonbennet

Last couple of car insurance policies I've entered in to have requested my driving licence number of myself the policy holder & also the named driver on the policy.

Surely if someone is banned this will flag up via the driving licence number?

In this particular case, the owner of the car being used for work commutes isn't insuring it, he's simply driving it around whilst banned when not at work...it's insured by his mate who's daft enough not to see the predicament he, and the banned bods partner, will both be in when it all comes out.

It was the partner of the mate who's insuring the wretched thing who put the OP up, and then took umbrage because posters pointed out what likely repercussions could be, because they knew what was going on if the worse case happened i have no doubt the coroner would have some choice words and the cps find various charges to lay before them all, the OP would be the only one technically if not morally in the clear, however you can lead a horse to water etc.

Edited by gordonbennet on 24/06/2019 at 09:19

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Mon 24 Jun 2019 10:44
Driving while banned - RT
Your partner should not be insuring the vehicle end of story. He is not the owner so has no financial so therefore no insurance interest in the vehicle. He would have been asked if he owns the vehicle at the time if quoting. Insurance will have been declined if he said he is not the owner. Source - ex insurance underwriter

Agree with basic advice - barge poles come to mind..

Less certain that insurance industry would never insure a vehicle where proposer was not owner. The fact would have to be properly declared and may influence premium, it may also be against policy of some big names in car insurance to offer such cover. Not an absolute bar though.

There are outfits like Cuvva that specialise in providing exactly this type of insurance - for short terms at least.

Insurers will insure a vehicle where the proposer isn't the owner - I had a medical licence suspension last year so my wife was "invited" to insure my car so she could carry on driving it - in the end, our existing insurer agreed that I would remain the proposer but specifically excluded from driving my own car!

Insurers will insure anything, given all the facts and the appropriate premium - that's a fundamental principle at Lloyds.

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