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Found 9 results

  1. Quick question for those knowledgeable lot, Vehicles with 2 policies or claimed 2 policies, I can't see anything in law that says you can't, I'm guessing it comes down to what the insurance company's wish to do? Do two policies cancel each other, is only one valid? Call MiB and pray they can find the answer?
  2. Its not entirely uncommon to find a driver is using their vehicle for business purposes and then to find they do not have the corresponding cover on their insurance. The end result being they are driving without insurance - vehicle seized, driver prosecuted and disqualified. For this topic we assume the person is not self employed. So, the scenario question is, a driver is found to be driving without insurance for business purposes, do or should further enquiries be made with the employer to ascertain that the driver was actually driving for business and if so, could, would or should the employer be dealt with for an associated offence? Perhaps even, does the employer's overarching fleet insurance cover this driver. After all, the driver is supposedly acting for or in the course of the employer's business. There are lots of permutations but as a starter: Smith is an employee of Potter-Jones Printers Ltd. During the day, Smith lets it be known that after office hours s/he will be travelling to Birmingham. The print manager hears this and asks Smith if s/he would make a slight detour and deliver 5 boxes of printed material to a client and in doing so, the company will pay a mileage allowance equivalent to 15 pence per mile to the client's address and back. Alas Smith gets stopped by police enroute, Smith produces a car insurance certificate which shows cover for the usual social, domestic & pleasure and commuting. All the elements appear to be present for Smith to be prosecuted for driving without insurance. So how often, if at all, would enquiries be made of the employer in this or any other driving for business without insurance incidents.
  3. Sir Penguin

    Phone Insurance

    Hi All, Just wondering who has phone insurance and if anyone can recommend any providers? Currently I'm paying £15 p/m on an iPhone 6 with £60 excess for a claim. The good thing about my current provider is that if I make a claim I will be given a replacement on the next working day. However I still believe it's quite expensive for phone insurance.
  4. Before questions are asked I have no mods on my car this is for theoretical you stop a car and they tell you they have not declared X. So you stop a car, or know someone who has modified their car, added a turbo, changed the wheels And exhaust but haven't declared it to insurers as it would cost too much. Are they committing an offence (S165 RTA?), Or is their insurance likely to be voided ? Doing public order a lot I see people "selling" lifts to random people every week, assuming they're not insured as a taxi, is there anything we can do about this ?
  5. Hi, I have life insurance, where as we all know premium is affected by anything and everything. Now when I join police as a SC, I will have additional occupation, which is more dangerous than what I do for living (paid job). Has anyone got experience in this subject? Does being special count as occupation? Is it likely that my life insurance premium will go up? What other things will have to be updated? I assume car insurance for private business. Or maybe volunteering is classified as pleasure.
  6. Bobbie

    Car MOT

    Afternoon folks, My friends buying a car at the weekend but it doesn't currently have a in date MOT, thus no insurance or road tax. He will be picking it up and get it into a MOT test centre the day he picks it up, is he covered to drive it to the test centre for its MOT As long as it's booked in?
  7. http://www.courier.co.uk/Investigation-dropped-Kent-Police-Crime/story-26077091-detail/story.html
  8. Hi all, I've got to go to court next week in relation to someone I reported for driving without insurance. He's pleaded guilty but is claiming special reasons why he shouldn't be given the relevant penalty points (he's subject to New Drivers Act 1995) - I've been called as a prosecution witness, does anyone know what sort of stuff I'll be asked? Thanks very much, F&V
  9. I thought this was interesting... Apparently a motorists insurance premium is lightly to increase after a no fault collision at a higher rate than after a fault collision When inquiring about this, apparently statistics back up the insurance companies. A driver who is at fault in a collision is more lightly to improve driving, therefore less lightly to be involved in another collision. Whereas a driver who is not at fault can believe his driving is good and not in need of improvement, and more lightly to be involved in another collision.

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