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Thursday, 2nd September 2010

Insurance: Watch the small print

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Published Date: 13 November 2008
I WONDERED whether you might put the record straight to those who read the "Cases from the magistrates court" and think my son has been deliberately driving his car without insurance.
My son, Stephen Tate, had fully comprehensive cover on his car, as do all of our family.

Assuming he would be covered to drive any vehicle under third party cover (as was my understanding of comprehensive insurance cover), I asked him to drive my
wife's car.

He was stopped by the police who discovered that in the very "small print", his policy had a young driver restriction on driving another car, and has subsequently been fined £165 and had his licence endorsed with six points.

A smack in the face for doing what you consider to be the right thing.

So, be warned, read the small print, as some insurances have restrictions and others don't, but they certainly don't make it obvious.

What makes it worse is that it is then reported in the paper that he appeared in court and makes it sound like he has deliberately been driving his own car without insurance. Not the case.

Julian Tate
Balcombe Avenue
Worthing



Editor's note: As well as our regular court coverage, the Herald prints details from the Court Register, the official court record. We believe readers are entitled to a comprehensive coverage of local court cases from their local paper. Results from this list are a matter of public record.

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  • Last Updated: 13 November 2008 3:02 PM
  • Source: n/a
  • Location: Worthing
 
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Tarring,

Worthing 16/11/2008 22:59:47
Evrey 1 knows you have to be over 25 to drive other cars under third party cover when you got fully comprehensive cover. Its clear on my Insurance note, its not in small print.
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Tarring,

Worthing 19/11/2008 14:03:58
I think your son should of got 9 points and a £5000 fine. What if your son hit some 1 and killed them. I had an accident onces an uninsured driver hit my car and left me with a big bill of £3500 to get my car fixed. I couldent claim of him becuse he dident have insure. :( Iam sure you wouldent be happy if an uninsured driver hit your car and left you with a BIG BILL.
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