Car insurance - Vehicle or person?

By Value hunter on May 26, 2016 | In In real life, Wondering, Money chat, Common sense, Bad business, Frugal thinking, Rip off Britain

Just putting a question up about car insurance.

Does car insurance cover the car or the individual person?

Rip off Britain is alive and well, (anything confusing ends up costing us more money) in the insurance industry.
"You are insuring yourself sir" says one insurance company.
So if I have two vehicles, I cannot insure both using the same no claims discount?
"No sir, it doesn't work like that!"

Why not I wonder?
The current UK law states, to drive a car the driver must be insured at least to third party level.
Fair enough.
If the car is involved in a crash, the registered owner of the car is liable, regardless if they are driving the vehicle or not.
But the insurance is for the individual and not the vehicle?

So if I lend my car to my mate burt bloggs, he has a bump, then I am liable if I do not have insurance - even though I'm not the driver?
How can that be proven in a court of law?
You were sat in your front room sir watching TV... yes
You gave your friend permission to use your car... yes
You are the registered owner of the car... yes
Your friend has insurance policy of his own... yes
You don't have a current insurance policy... no
Your friend had a crash in your car, while driving in a town 50 miles away... yes
You are liable for the crash!
How?

Car insurance was always about the individual;
The price of car insurance depends on the driving record of the individual - have they had a bump - have they any medical conditions - have they any motoring offences, etc.
Now the powers that be state you MUST have an insurance policy for the car, even if you do not drive it.
Can the car be driven by someone with their own insurance policy for a different car... which is completely legal and covers them for any vehicle? No
YOU are liable as the registered owner, even if they have insurance that covers them, if YOU own a car but have no insurance policy with the car registered against it.

They have a bump in your car and you are liable?

Completely bizarre and a catch 22 for each and every car owner, costing people more money.

Comment from: Motorclaimguru ltd [Visitor]  
Motorclaimguru ltd
The premise of car insurance dates back to the marine act, & was ammended for trades carriers in the 1920's for claims being made against these trades people driving company vehicles.this was not fully functional due to public not insuring,whilst companies did.most vehicles insured were horse drawn bus.the rta act came,minimum t/pty mandatory cover( technically you do not need insurance as the provision is there for any t/pty claim to be handled by mib).i would need a large email to fully explain, but insurance will only cover t/pty indemnity when a contract of insurance in your name is on the vehicle,to allow another user to use under the extension of cover to drive other vehicles on there policy, & that is the specific part. Any claim against you would be covered from a t/pty under tort, but not your vehicle. Email me for a full explanation! On my ipad here with one finger!
26/05/16 @ 01:01


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