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Please help settle an argument
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By *litterbabe OP Woman
over a year ago
hiding from cock pics. |
A friend of mine has a business car insurance policy that lets him drive any car at all up to £750,000.
He claims that means he can take a car off the street and drive it. (He is of course not intending to do this but this is what the point of argument was)
I feel the policy would only let him drive any vehicle with permission from the owner, or left in his care i.e. in a garage or storage facility that he has legal access to or was responsible for.
I can't see even a tiny bit of how it could be possible for him to drive someone's car without their permission.
He is adamant that I'm wrong.
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By (user no longer on site)
over a year ago
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"A friend of mine has a business car insurance policy that lets him drive any car at all up to £750,000.
He claims that means he can take a car off the street and drive it. (He is of course not intending to do this but this is what the point of argument was)
I feel the policy would only let him drive any vehicle with permission from the owner, or left in his care i.e. in a garage or storage facility that he has legal access to or was responsible for.
I can't see even a tiny bit of how it could be possible for him to drive someone's car without their permission.
He is adamant that I'm wrong.
"
He sounds like my ex. 
Tell him to just take one and see what happens. |
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By (user no longer on site)
over a year ago
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"A friend of mine has a business car insurance policy that lets him drive any car at all up to £750,000.
He claims that means he can take a car off the street and drive it. (He is of course not intending to do this but this is what the point of argument was)
I feel the policy would only let him drive any vehicle with permission from the owner, or left in his care i.e. in a garage or storage facility that he has legal access to or was responsible for.
I can't see even a tiny bit of how it could be possible for him to drive someone's car without their permission.
He is adamant that I'm wrong.
"
Haha what’s the name for that again? Yeah car theft your friend is a plank ! |
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By (user no longer on site)
over a year ago
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I can drive any car through the company I work for, but I still have to sign the keys in and out so they know I've got it and permission was granted to me on that day or week. |
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By *litterbabe OP Woman
over a year ago
hiding from cock pics. |
Thank you peeps
I was getting slightly frustrated with him because he was so adamant about it and it just made no sense to me whatsoever.
I'm glad it looks like I wasn't missing something somewhere and he would be breaking the law.
Please note he is not intending to take any car without permission, it was just that he said he could, rather than he was going to. |
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"Thank you peeps
I was getting slightly frustrated with him because he was so adamant about it and it just made no sense to me whatsoever.
I'm glad it looks like I wasn't missing something somewhere and he would be breaking the law.
Please note he is not intending to take any car without permission, it was just that he said he could, rather than he was going to."
Being insured to drive it and it being legal for him to drive it are two different things though. It's a bit like me saying if I insure my suitcase contents up to £1million that I can smuggle £1million pounds of cocaine into the country without repercussions because its insured  . |
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Lots of policies, not just business, allow you to drive any other car, on a third party basis, with the consent of the owner.
If the policy he is referring to is a motor trade policy, then the vehicle would need to be with the business for a reason, such as px, repair, evaluation etc. even in such cases, consent of some sort is required.
Without the consent of the owner, he won’t be covered. |
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The general consensus is correct.
You have to have consent to drive the vehicle for his insurance to be valid.
The ‘theft’ tag is not so corrrect.
The offence would be taking without consent.
In order to be ‘theft’ you have to prove there was an intention to not return whatever it is that has been taken. |
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By (user no longer on site)
over a year ago
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he needs permission and it would need to be one that was in his buisness's care or being used for said buisness. not just or his own private transportation needs |
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By (user no longer on site)
over a year ago
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"The general consensus is correct.
You have to have consent to drive the vehicle for his insurance to be valid.
The ‘theft’ tag is not so corrrect.
The offence would be taking without consent.
In order to be ‘theft’ you have to prove there was an intention to not return whatever it is that has been taken. "
Ooh really? I'm off out to 'borrow' a car.  |
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I think everyone has pretty much jumped all over this and cleared it up so I can’t really add any more
However I am now left with a mental image of a “Plank” driving a stolen car down a motorway being pursued by the police, and said “plank” with his window wound down shouting “it’s ok officer I can assure you I am insured to drive this car “  |
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By *TK421-Man
over a year ago
Cheltenham |
Double down and ask him to prove it....
Go jump in a car and reverse it into another parked car. If his insurance covers it tell him you will pay the excess and increased premium 
I think everyone is right here.....
It's with permission. |
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By (user no longer on site)
over a year ago
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"I think everyone has pretty much jumped all over this and cleared it up so I can’t really add any more
However I am now left with a mental image of a “Plank” driving a stolen car down a motorway being pursued by the police, and said “plank” with his window wound down shouting “it’s ok officer I can assure you I am insured to drive this car “ "
You misinterpreted what I meant I think ? I didn’t mean literally a 4+4 plank of oak wood driving down the free way !
Just this lad obviously sounds tick as a plank of wood !
I probably should of explained that more |
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"I think everyone has pretty much jumped all over this and cleared it up so I can’t really add any more
However I am now left with a mental image of a “Plank” driving a stolen car down a motorway being pursued by the police, and said “plank” with his window wound down shouting “it’s ok officer I can assure you I am insured to drive this car “
You misinterpreted what I meant I think ? I didn’t mean literally a 4+4 plank of oak wood driving down the free way !
Just this lad obviously sounds tick as a plank of wood !
I probably should of explained that more "
Yes… I was just amused at the term “ he’s a plank” I think it is a great saying and presents a very funny image… in my mind |
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By (user no longer on site)
over a year ago
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"I think everyone has pretty much jumped all over this and cleared it up so I can’t really add any more
However I am now left with a mental image of a “Plank” driving a stolen car down a motorway being pursued by the police, and said “plank” with his window wound down shouting “it’s ok officer I can assure you I am insured to drive this car “
You misinterpreted what I meant I think ? I didn’t mean literally a 4+4 plank of oak wood driving down the free way !
Just this lad obviously sounds tick as a plank of wood !
I probably should of explained that more
Yes… I was just amused at the term “ he’s a plank” I think it is a great saying and presents a very funny image… in my mind "
Knew I didn’t have to explain it !
Sorry my bad  |
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