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Old 14.12.2018, 18:27
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My friends Car has been seized while I was driving

Hi all,

I've managed to get my self into a bit of a trouble

I've come back to manchester to visit some friends and family and I needed to do a bit of shopping for christmas. My friend said I could borrow his car so I went down to cheshire oaks near chester. Just after getting off the m56 there was a police check and they pulled me over.

I drive in switzerland and have full insurance on my vehicle there but I forgot the rules are different and it covers my car and not me, the police said that I didn't have a valid insurance policy, and even my friends cover wouldn't cover me, so they took the vehicle off me, it's now sitting in the police compound.

Has anyone else dealt with a similar situation having to get their car back from the police?
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Old 14.12.2018, 18:46
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Re: My friends Car has been seized while I was driving

Not being fully aware of the English system, does your friends insurance indeed exclude you in their conditions?

As for picking up the car, your friend has to give them a call, he is the owner and he is legally allowed to drive it so makes sense that he is also going to be the one who is going to pick it up. If the have special demands they'll make them known to him.

Did the police already mention anything about taking it to court or just giving you the fixed fine of £300,-?
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Old 14.12.2018, 18:47
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Re: My friends Car has been seized while I was driving

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...
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Old 14.12.2018, 18:57
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Re: My friends Car has been seized while I was driving

Are you British? Surely anyone who is, or has lived in UK for a while, knows that UK insurance is based on the driver, not the car and that most people have 'named driver/s only' to save money.

What kind of car is it btw?

Last edited by Odile; 14.12.2018 at 19:12.
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Old 14.12.2018, 19:19
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Re: My friends Car has been seized while I was driving

Unclear title, I thought that you seized the engine!

Tom
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Old 14.12.2018, 19:40
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Re: My friends Car has been seized while I was driving

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.
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Old 14.12.2018, 19:57
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Re: My friends Car has been seized while I was driving

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UK insurance is based on the driver, not the car
What a stupid concept.

How do rental cars work then?

Tom
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Old 14.12.2018, 20:10
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Re: My friends Car has been seized while I was driving

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How do rental cars work then?
Same as regular cars: Suction, compression, ignition, exhaust.
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Old 14.12.2018, 20:12
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Re: My friends Car has been seized while I was driving

LOL JW - you have to take separate insurance to cover hire cars.
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Old 14.12.2018, 20:28
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Re: My friends Car has been seized while I was driving

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LOL JW - you have to take separate insurance to cover hire cars.
No the hire company has a 3rd party policy that covers any driver & they usually self insure for damage, charging exterminate rates to reduce the excess below £1000. It's illegal to rent a hire car in the UK without 3rd party insurance.
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Old 14.12.2018, 20:29
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Re: My friends Car has been seized while I was driving

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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Old 14.12.2018, 20:32
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Re: My friends Car has been seized while I was driving

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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
You never 'have' to pay those rates, as the insurance is optional.
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Old 14.12.2018, 21:00
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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...
Yes, that’s one of the few things I like about Switzerland. No points, just prizes for the cops.
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Old 14.12.2018, 21:22
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Re: My friends Car has been seized while I was driving

Question to the OP... Why didn't you just hire a car for the day or weekend? £20-30 compared to this scenario...
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Old 14.12.2018, 21:38
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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...
What a question!
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Old 14.12.2018, 23:16
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Re: My friends Car has been seized while I was driving

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. As long as they've not (perhaps) saved money by removing that option.

If you have fully comp, you can (often, if stated in your insurance) also drive another car, with permission, 3rd party.

Are you sure it wasn't your driving licence that might have been invalid for driving a private car thereby rendering any insurance void. Did the car have valid road tax? MOT?

UK insurance insures the car and you have named drivers (usually but not always the owner). There can be other benefits depending on insurance. Roadside assistance policies (AA, Green Flag etc) are the ones that can insure the driver for assistance for any car (even if a passenger) or the car for any driver. As far as I know, anyway.


Re getting car back... your friend will have to take the necessary paperwork and probably tHe V5 naming him as registered keeper and pay the fine. There may also be an associated "don't be this stupid again " bollocking for one / both of you.
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Old 14.12.2018, 23:37
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Re: My friends Car has been seized while I was driving

Let me google that for you...

https://www.gov.uk/vehicle-insurance/uninsured-vehicles
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Old 14.12.2018, 23:40
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Re: My friends Car has been seized while I was driving

Let me correct you:

https://www.gov.uk/vehicle-insurance...hout-insurance
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Old 15.12.2018, 01:22
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Re: My friends Car has been seized while I was driving

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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. As long as they've not (perhaps) saved money by removing that option.
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.
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Old 15.12.2018, 01:42
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Re: My friends Car has been seized while I was driving

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.
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