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  #21  
Old 15.12.2018, 04:55
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Re: My friends Car has been seized while I was driving

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Question to the OP... Why didn't you just hire a car for the day or weekend? £20-30 compared to this scenario...
Perhaps, rather obviously, because he/she didn’t know about this as a possible scenario.
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  #22  
Old 15.12.2018, 09:54
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Re: My friends Car has been seized while I was driving

Long shot but if you have public liability insurance here would that be enough to swing it in your favour?
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  #23  
Old 15.12.2018, 10:17
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was talking about hiring a car abroad, when you have British car insurance for names driver/s only.,and you do have to pay extortionate () rates
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You never 'have' to pay those rates, as the insurance is optional.
The additional "extortionate" insurance which is usually offered is optional, yes, but the rental rate already includes legally required cover, for which all drivers must be named.

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My UK insurance always covered me for 3rd party to drive any car as long as I had the owners permission. It was part of a fully comp policy I had for my own vehicles.
I'm not sure if that's still the norm for car insurance, although I believe it is still common for motorbike picture, and not restricted to fully comp; but in any case the vehicle itself also needs to be insured, as detailed in TLD's link.
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  #24  
Old 15.12.2018, 10:22
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Re: My friends Car has been seized while I was driving

Welcome to the adult world of insurances, it is always your responsibility to know the laws and customs especially if you are using somebody else's property.
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  #25  
Old 15.12.2018, 12:31
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Re: My friends Car has been seized while I was driving

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Long shot but if you have public liability insurance here would that be enough to swing it in your favour?
Those exclude damage caused with motorised vehicles.
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  #26  
Old 15.12.2018, 12:37
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Re: My friends Car has been seized while I was driving

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Nope, that's not how it works. And never has, at least since the 1970s that I know of. Anyone driving a car has to be specifically named on the policy.

It's a crap system, for sure, but that's how it is.
It works like that on mine I'm fairly certain. You can also insure cars for anyone to drive ( with valid licence)... like company pool cars etc.
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  #27  
Old 15.12.2018, 14:31
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Re: My friends Car has been seized while I was driving

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Not just you that's in trouble, unfortunately. Your mate is responsible for checking you were insured to drive his car. He's likely to be hurting more than just the recovery fee for the car. Especially if he ends up with the equivalent of an IN10 on his licence. Back in the days when my uncle wrote insurance software, that was the joint highest loading on insurance price (along with drink-driving).

You'd better buy him something nice for Christmas.
What? like a brand new car?
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  #28  
Old 15.12.2018, 14:32
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Re: My friends Car has been seized while I was driving

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Question to the OP... Why didn't you just hire a car for the day or weekend? £20-30 compared to this scenario...
It wasn't planned, it just came up in conversation and he said that he won't be using his car that day and I could borrow it. Hindsight is always a wonderful thing.
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  #29  
Old 15.12.2018, 14:41
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Re: My friends Car has been seized while I was driving

Thanks for all the replies guys.

Things aren't looking so bad after all, found a really helpful company and been recommended a solicitor, will update you all later on
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  #30  
Old 15.12.2018, 19:10
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Re: My friends Car has been seized while I was driving

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You never 'have' to pay those rates, as the insurance is optional.
I have hire excess covered if I use my credit card to pay the booking. But you can buy a global yearly policy for around 50CHF.

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Does your friend have fully comp insurance? Are you over 25 ? ( i think that matters...) then you should be able to drive their car with their permission and be covered 3rd party.
Nope. As MotorsportsNorton said - the comp. policy holder may be able to drive anyone else's car 3rd party. It was certainly the case in all policies I had in the 90s. But a Swiss driver - as the Swiss system is different - won't have this cover.
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  #31  
Old 16.12.2018, 10:19
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Re: My friends Car has been seized while I was driving

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Nope, that's not how it works. And never has, at least since the 1970s that I know of. Anyone driving a car has to be specifically named on the policy.

It's a crap system, for sure, but that's how it is.
No, not true. I could drive my fathers car and my brothers car, with 3rd party insurance, based on their fully comp policies. As long as the driver had a full license anybody could drive.

You save money with named driver policies but they are not mandatory.
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  #32  
Old 16.12.2018, 10:25
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Re: My friends Car has been seized while I was driving

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Nope, that's not how it works. And never has, at least since the 1970s that I know of. Anyone driving a car has to be specifically named on the policy.

It's a crap system, for sure, but that's how it is.
Incorrect, any driver is possible, it's just more expensive.
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  #33  
Old 16.12.2018, 10:26
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Re: My friends Car has been seized while I was driving

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Long shot but if you have public liability insurance here would that be enough to swing it in your favour?
Generally excludes motorised vehicles, which is why it's dirt cheap.
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  #34  
Old 16.12.2018, 12:38
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Re: My friends Car has been seized while I was driving

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Nope. As MotorsportsNorton said - the comp. policy holder may be able to drive anyone else's car 3rd party. It was certainly the case in all policies I had in the 90s. But a Swiss driver - as the Swiss system is different - won't have this cover.
No idea what nationality the OP is. Yep, i understand about fully comp, which is why I posted it in the first place.
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  #35  
Old 16.12.2018, 15:19
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Re: My friends Car has been seized while I was driving

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Nice first post - and it‘s Friday.

This usually involves paying money, being summoned to court and having points on your licence - at least they can‘t do that with a Swiss licence...
Summoned to court......please, give me strength!!!!
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  #36  
Old 20.12.2018, 14:30
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Re: My friends Car has been seized while I was driving

Any news?
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  #37  
Old 20.12.2018, 14:40
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Re: My friends Car has been seized while I was driving

so much wrong on this thread

Its very simple, the insured driver nips down the car pound with all his documents, pays the towing and storage fee and drives his car home again.

The op gets reported for driving with no insurance, gets a fine and points on his licence (if its a uk one).

No great drama, no need for solicitors, no court visits - as long as he doesn't try to contest the charge.
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  #38  
Old 20.12.2018, 16:12
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Re: My friends Car has been seized while I was driving

Pretty sure that even with fully comp you need to declare the drivers by name. I know this because there's such a faff around getting insured on family members cars and often Insurance companies charge them admin fees of 40 quid or so for a period of a week (the insurance cost itself is perhaps 5 quid!). To add further insult to injury, some only let you do it a handful of times in a year.
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  #39  
Old 20.12.2018, 16:18
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Re: My friends Car has been seized while I was driving

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Pretty sure that even with fully comp you need to declare the drivers by name. I know this because there's such a faff around getting insured on family members cars and often Insurance companies charge them admin fees of 40 quid or so for a period of a week (the insurance cost itself is perhaps 5 quid!). To add further insult to injury, some only let you do it a handful of times in a year.

Rubbish, you can have a full insurance policy with anybody as a driver, it is expensive but very possible.


You can also have a fully comp policy with just you as the driver, or other named people.


All depends how much you want to pay
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  #40  
Old 21.12.2018, 12:23
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Re: My friends Car has been seized while I was driving

Possibly check if you have a "Fremdlenker"-versicherung or -zusatz in your private liability insurance. Depending on the policy this would insure against third party damages if you only occasionally use the car of someone else which isn't or isn't fully insured. Not sure if that will get you off the hook in England in terms of having adequate insurance but it is worth a try. However, some of the Fremdlenker-Insurances are restricted to cars registered in Switzerland while others also cover cars registered in the EU.
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