Uninsured driver

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Fri 9 Jul 2010 21:15
Uninsured driver - michael8626

A friend of mine was foolish enough to loan a car to an individual who drove it with no insurance and was involved in an accident.

The insurer of the other party are now holding my friend responsible for this accident on, I presume, the basis that they own the vehicle?

The letter received states “we refer to the above incident for which we hold you responsible.”

“We have dealt with our Insured’s claim on a total loss basis”

As the registered keeper and owner of a vehicle are they liable?

Edited by michael8626 on 09/07/2010 at 21:16

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Sat 10 Jul 2010 12:59
Uninsured driver - LucyBC

If there was an insurance policy on the vehicle then it does not matter whether the driver was insured for the car or not, there is a potential claim against the policy if the driver was at fault. This can apply even if the vehicle is stolen.

The MIB will only act as insurer of last resort if there is no insurance whatsoever in place.

It's also an offence to permit an uninsured driver to use your car - bringing 6-8 points and a substantial fine - exactly the same as driving without insurance.

Your friend is going to need legal help but we need more details of the case. Get him to email me or to post a support ticket on Ask Honest John with all the details relating to the incident.

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