Insurance problem?

9th July 2010, 12:41

I may b buying a car next Friday but how do I get it home because not getting insured for a few weeks, how do I get it home??

9th July 2010, 12:54

Quote:

Originally Posted by lil_rascal

I may b buying a car next Friday but how do I get it home because not getting insured for a few weeks, how do I get it home??

Quite simple mate. Get a friend or parent who has fully comprehensive any car insurance to drive it back, or, get one day temporary insurance from here:

http://www.insuredaily.co.uk/

http://www.dayinsure.com/

https://www.tempcover.com/

There's a few more. For my Astra I paid £25 for 24 Hours Insurance to drive it back to my house from quite a distance.

9th July 2010, 13:00

Cheers m8 I'll hav a look

9th July 2010, 13:05

All the temp insurance u have to be 21 in only 18

9th July 2010, 13:09

I'm sure you can get it for under 21's. Have a good google search mate. Just had a thought, if you are definitely purchasing it, why not get proper insurance on it the day before?

9th July 2010, 13:32

I will I'll have a good look, I can't afford the insurance for 2weeks lol

9th July 2010, 13:38

Rob some money of a family member / friend

pay them back when you can afford it?

9th July 2010, 13:52

Yea that's wot I'm trying to do :s but no one got much cash ATM

9th July 2010, 14:57

Quote:

Originally Posted by lil_rascal

Yea that's wot I'm trying to do :s but no one got much cash ATM

just put some money down on the car as a deposit, say hold it for 2 weeks, get your insurance then drive it legit.

9th July 2010, 15:31

Quote:

Originally Posted by 23carragold

Quite simple mate. Get a friend or parent who has fully comprehensive any car insurance to drive it back, or, get one day temporary insurance from here:

http://www.insuredaily.co.uk/

http://www.dayinsure.com/

https://www.tempcover.com/

There's a few more. For my Astra I paid £25 for 24 Hours Insurance to drive it back to my house from quite a distance.

doesnt matter if someone's got insurance to drive any car.YOUR CAR MUST STILL BE INSURED.lot o people dont know this!!! ask the police-they'll tell you the same thing. unbelievable how many people get their motors towed/crushed because of not understanding the law properly!!!BE CAREFUL MATE

9th July 2010, 15:40

Quote:

Originally Posted by nappert

doesnt matter if someone's got insurance to drive any car.YOUR CAR MUST STILL BE INSURED.lot o people dont know this!!! ask the police-they'll tell you the same thing. unbelievable how many people get their motors towed/crushed because of not understanding the law properly!!!BE CAREFUL MATE

Can you reply to your PM on here mate? Just makes it easier for everyone else too. That way can find out if it is legal or not.

9th July 2010, 18:31

sorry mate-just got your PM...ok here goes.
If your dad has insurance to drive ANY car,and wishes to drive your mates car,your mates car,MUST be insured also..!honest.i aint shittin you. loads of people lose out cos of this law all the time & dont realise they're not actually covered. The vehicle HAS to be insured even though your dad has insurance to drive any car.....
If you ever watch police interceptors etc,there's guys getting caught all the time,with this particular nasty!!!!

9th July 2010, 18:51

Quote:

Originally Posted by nappert

sorry mate-just got your PM...ok here goes.
If your dad has insurance to drive ANY car,and wishes to drive your mates car,your mates car,MUST be insured also..!honest.i aint shittin you. loads of people lose out cos of this law all the time & dont realise they're not actually covered. The vehicle HAS to be insured even though your dad has insurance to drive any car.....
If you ever watch police interceptors etc,there's guys getting caught all the time,with this particular nasty!!!!

This is a fact.

Amazing how many people don't realise that the car you are driving must be insured independently of the driver if it is been driven on a driving other cars extension of a fully comprehensive policy.

Obviously the car must also not belong to the person driving on a driving other cars extension of a fully comp policy.

Basically to drive a car on a fully comp policy using a driving other cars extension the vehicle in question must be insured to someone else and also registered to someone else.

9th July 2010, 19:00

Hey guys ^^^^ this is true just asked my mates dad who is a police man and the car has to be insured for any1 to drive it

18th July 2010, 05:07

Just to clear a few things up -

1 - the Police normally dont know anything about law

2 - It depends on what your individual policy says about driving other vehicles third party

My Dads policy says he can drive another car not belonging to him providing it has in force, a policy in its' own right.

My policy says I may, with the owners permission, drive another motor vehicle not owned or hired to me third party. No mention of any other cover in the cars own right. I have been stopped at least 5 times in car with no specific insurance policy, and trying as best as they can... ringing up my insurance etc. the police can not take the car I was driving.

Think about it... what difference would it make if the car has its own policy or not? If you have a bump, it will come off your (the drivers') third party insurance anyway, regardless if it has fully comp on the car or not.

18th July 2010, 07:44

Quote:

Originally Posted by outrage_uk

Just to clear a few things up -

1 - the Police normally dont know anything about law

2 - It depends on what your individual policy says about driving other vehicles third party

My Dads policy says he can drive another car not belonging to him providing it has in force, a policy in its' own right.

My policy says I may, with the owners permission, drive another motor vehicle not owned or hired to me third party. No mention of any other cover in the cars own right. I have been stopped at least 5 times in car with no specific insurance policy, and trying as best as they can... ringing up my insurance etc. the police can not take the car I was driving.

Think about it... what difference would it make if the car has its own policy or not? If you have a bump, it will come off your (the drivers') third party insurance anyway, regardless if it has fully comp on the car or not.

you are wrong as stated above you can only drive another car on your insurance provided that car has insurance Fact. the only exception is if you have a trade Insurance policy which covers all vehicles in you possession

18th July 2010, 22:55

Im afraid it is not a fact my friend.

If that is what you believe then fine.

I do not have trade insurance.

My friend has a car (garaged) that I use if mine is broken. It does not have any insurance against the car in its own right. I have been stopped at least 5 times in this car. I am insured to drive any other car third party. End of story.

19th July 2010, 01:24

ooooooooooooooooooooooooooooooerrrrrrrrrr.

19th July 2010, 04:15

Quote:

Originally Posted by outrage_uk

Just to clear a few things up -

1 - the Police normally dont know anything about law

2 - It depends on what your individual policy says about driving other vehicles third party

My Dads policy says he can drive another car not belonging to him providing it has in force, a policy in its' own right.

My policy says I may, with the owners permission, drive another motor vehicle not owned or hired to me third party. No mention of any other cover in the cars own right. I have been stopped at least 5 times in car with no specific insurance policy, and trying as best as they can... ringing up my insurance etc. the police can not take the car I was driving.

Think about it... what difference would it make if the car has its own policy or not? If you have a bump, it will come off your (the drivers') third party insurance anyway, regardless if it has fully comp on the car or not.

fuck da polllice

19th July 2010, 16:44

Quote:

Originally Posted by outrage_uk

Im afraid it is not a fact my friend.

If that is what you believe then fine.

I do not have trade insurance.

My friend has a car (garaged) that I use if mine is broken. It does not have any insurance against the car in its own right. I have been stopped at least 5 times in this car. I am insured to drive any other car third party. End of story.

Incorrect, it is a fact that the car needs to be insured in it's own right for fully comp insurance from another driver to be valid.

Don't believe me call your insurance company.

What about when you park the car up at the road side and walk away?

How is the car insured then?

You do realise you need insurance to have a car on public roads?

You are correct though some police officer's are unaware of the legalities also some are fully aware and will prosecute for no insurance and confiscate your car from the road.

Is it really worth taking the chance?

Just to add to this my partner (who works for the dvla) was just telling me about the cie (continuos insurance enforcement) that will be rolled out early next year.

This is the brain child of the dvla and mib and basically it's going to be a database of all insured/uninsured vehicles

If your vehicle is not insured or declared sorn you will recieve a fine, much the same way that you do for road tax.

I have found some info here:
http://www.direct.gov.uk/en/Motoring...ance/DG_186696

Like i keep saying a vehicle must be insured in it's own right to be on a uk road unless covered by a traders policy.

19th July 2010, 21:54

LISTEN

If the car you are trying to borrow is insured by the owner, and you want to drive it, even if you hold a fully comp insurance you will be driving that car under 3rd party cover.

If however the car is not insured by your mate/owner/anyone and you have your trade license/insurance or fully comp insurance or whatever you want to think you have , your fucked because there is no insurance on the car initially.

much love bubi

19th July 2010, 22:51

Quote:

Originally Posted by werdna

Incorrect, it is a fact that the car needs to be insured in it's own right for fully comp insurance from another driver to be valid.

Don't believe me call your insurance company.

What about when you park the car up at the road side and walk away?

How is the car insured then?

You do realise you need insurance to have a car on public roads?

You are correct though some police officer's are unaware of the legalities also some are fully aware and will prosecute for no insurance and confiscate your car from the road.

Is it really worth taking the chance?

Just to add to this my partner (who works for the dvla) was just telling me about the cie (continuos insurance enforcement) that will be rolled out early next year.

This is the brain child of the dvla and mib and basically it's going to be a database of all insured/uninsured vehicles

If your vehicle is not insured or declared sorn you will recieve a fine, much the same way that you do for road tax.

I have found some info here:
http://www.direct.gov.uk/en/Motoring...ance/DG_186696

Like i keep saying a vehicle must be insured in it's own right to be on a uk road unless covered by a traders policy.

im sure the guy knows what his policy says, seeing as he wrote the specific part down.
as soon as hes behind the wheel the car is then insured for third party liability if his policy says so

19th July 2010, 22:56

Quote:

Originally Posted by LeeM

im sure the guy knows what his policy says, seeing as he wrote the specific part down.
as soon as hes behind the wheel the car is then insured for third party liability if his policy says so

That's the point.

It's a popular misconception that just because your policy states you may drive any car 3rd party that this also includes cars that are not otherwise insured.

The part he noted (you may drive other cars 3rd party providing they do not belong to you bla bla bla) is common place on any fully comp policy that has a driving other cars extension, even my policy states the exact same phrase and i can assure you i cannot drive cars that are not otherwise insured.

Give any insurance company you want a call and ask, i am correct.

If you knew anything of the legalities of motor insurance then you would know that every vehicle has to be insured in it's own right to be on a uk road unless covered by a trade policy.

19th July 2010, 23:25

This link explains some of the legalities

http://www.life-assurance-bureau.co....-elses-car.htm

and another (Road safety act 2006, read section 22.)

http://www.opsi.gov.uk/acts/acts2006..._20060049_en_1

Like i said every car has to be insured in it's own right unless a trade policy is been used

Some people on here need to seriously stop spouting rubbish.

Thankyou and goodnight

19th July 2010, 23:46

Quote:

Originally Posted by werdna

If you knew anything of the legalities of motor insurance then you would know that every vehicle has to be insured in it's own right to be on a uk road unless covered by a trade policy.

youre right, id best go in to work tomorrow and tell them i need more training. its strange though how i manage to recover in excess of £100k a month in my job as a motor claims recovery agent, what with me knowing nothing about motor insurance and all.

19th July 2010, 23:48

Quote:

Originally Posted by LeeM

youre right, id best go in to work tomorrow and tell them i need more training. its strange though how i manage to recover in excess of £100k a month in my job as a motor claims recovery agent, what with me knowing nothing about motor insurance and all.

I agree you need more training.

If you don't know the basic outline of the road safety act it may well be for the best.

By the way have you even read the link to the revised act of 2006?

19th July 2010, 23:54

i dealt with a doc claim today, if you were right id best send rbs their £2k back.
but fuck it, i only deal with policy indemnity for a living and have done for years, im sure you know it better than i do

20th July 2010, 00:00

i had no insurance for two months and the company didnt even tell me. when i phoned up to ask them why they hadn't taken the money they told me they were waiting for me to phone them. how am i ment to know to phone them if they didnt tell me. just glad i werent pulled. churchill btw

20th July 2010, 00:03

Quote:

Originally Posted by LeeM

i dealt with a doc claim today, if you were right id best send rbs their £2k back.
but fuck it, i only deal with policy indemnity for a living and have done for years, im sure you know it better than i do

So you will be aware of this statment from the road safety act 2006

(3) The first condition is that the policy or security, or the certificate of insurance or security which relates to it, identifies the vehicle by its registration mark as a vehicle which is covered by the policy or security

This is section 22 *114A (3)

This is one of the conditions of having a vehicle on a public highway, it must be named by registration mark on an insurance policy.

Enlighten me what is your understanding of the insurance question at hand?

Lets not get distracted by your need for additional training at work just answer the question.

20th July 2010, 00:04

tbh mate, you should really know that you need to renew your insurance when your policy runs out at the end of the 12 months you pay for lol

20th July 2010, 00:11

your still covered by your own policy if it doesnt stipulate the vehicle needs to be insured. whether this is in compliance with the road safety act or not is irrelevant, in line with the road traffic act you wouldnt be charged if you proved it wasnt your car.

20th July 2010, 00:21

We are going around in circles with this

Obviously we will have to agree to disagree

I know that I am legally allowed to drive a car, without insurance in it's own right, 3rd party.

I have done it before, the police have spoken to my insurance, I have spoken to my insurance again tonight to confirm it

I made sure I clarified the word "legal" - supervisor says;

"The vehicle must be road worthy, with a valid MOT certificate in force and taxed".

I even said "it hasn't had it's own insurance on it for best part of 5 months, does this make a difference?"

Reply - "No, we would cover you as the driver, in exceptional circumstances, whether it has it's own insurance is irrelevant, this would be third party cover only, damage to the vehicle you are driving would not be covered in any case and we would advise you to take your insurance certificate with you, as you are more likely to get stopped driving a vehicle showing as uninsured"

What do you mean by "exceptional circumstances?" - We have the right to terminate the policy if we believe there is an abuse of the terms and conditions - for example if you insure your own car with the intention to drive another car frequently - 3rd party cover is in place for emergencies or when it would be impractical to arrange insurance, such as late at night.

The bottom line;

They have no interest in other insurance on the vehicle - if I am driving it then they would be covering me - if my mate decides to park it on the road, not in a garage without SORN then thats up to him

Lesson learned: I know it is legal for me to drive others' cars. If you check your policy and still don't want to risk it then don't

20th July 2010, 00:41

Quote:

Originally Posted by LeeM

your still covered by your own policy if it doesnt stipulate the vehicle needs to be insured. whether this is in compliance with the road safety act or not is irrelevant, in line with the road traffic act you wouldnt be charged if you proved it wasnt your car.

You do realise that the Road safety act is an extension of the Road traffic act?

In the past you could drive uinsured vehicles with a fully comp policy providing it had other cars entitlement in accordance with the road traffic act but the act was amended/extended in 2006 with the road safety act and this right was amended so every vehicle has to be named on a policy of it's own right, obviously trade exempt.

If you drive a vehicle without insurance in it's own right otherwise than in accordance with a motortraders policy you are in violation of the road traffic act.

The information i copied above from the road safety act stands.

This is beyond contestation, it's the law.

Here you go heres another link showing the extension of the rta with rsa in 2006

http://www.roadtransport.com/RoadLeg...affic-act.html

Can somebody please link me to a goverment/official website showing we can drive uninsured vehicles on our fully comp policies?

If not please don't reply with waffle as i have backed up my statements with factual info, do the same.

20th July 2010, 00:49

Quote:

Originally Posted by outrage_uk

We are going around in circles with this

Obviously we will have to agree to disagree

I know that I am legally allowed to drive a car, without insurance in it's own right, 3rd party.

I have done it before, the police have spoken to my insurance, I have spoken to my insurance again tonight to confirm it

I made sure I clarified the word "legal" - supervisor says;

"The vehicle must be road worthy, with a valid MOT certificate in force and taxed".

I even said "it hasn't had it's own insurance on it for best part of 5 months, does this make a difference?"

Reply - "No, we would cover you as the driver, in exceptional circumstances, whether it has it's own insurance is irrelevant, this would be third party cover only, damage to the vehicle you are driving would not be covered in any case and we would advise you to take your insurance certificate with you, as you are more likely to get stopped driving a vehicle showing as uninsured"

What do you mean by "exceptional circumstances?" - We have the right to terminate the policy if we believe there is an abuse of the terms and conditions - for example if you insure your own car with the intention to drive another car frequently - 3rd party cover is in place for emergencies or when it would be impractical to arrange insurance, such as late at night.

The bottom line;

They have no interest in other insurance on the vehicle - if I am driving it then they would be covering me - if my mate decides to park it on the road, not in a garage without SORN then thats up to him

Lesson learned: I know it is legal for me to drive others' cars. If you check your policy and still don't want to risk it then don't

which insurance company are you with?

20th July 2010, 00:54

Provident

20th July 2010, 01:30

i did get a letter saying that my policy was going to be automatically renewed. then they left me with no insurance.

20th July 2010, 08:03

Quote:

Originally Posted by outrage_uk

We are going around in circles with this

Obviously we will have to agree to disagree

I know that I am legally allowed to drive a car, without insurance in it's own right, 3rd party.

I have done it before, the police have spoken to my insurance, I have spoken to my insurance again tonight to confirm it

I made sure I clarified the word "legal" - supervisor says;

"The vehicle must be road worthy, with a valid MOT certificate in force and taxed".

I even said "it hasn't had it's own insurance on it for best part of 5 months, does this make a difference?"

Reply - "No, we would cover you as the driver, in exceptional circumstances, whether it has it's own insurance is irrelevant, this would be third party cover only, damage to the vehicle you are driving would not be covered in any case and we would advise you to take your insurance certificate with you, as you are more likely to get stopped driving a vehicle showing as uninsured"

What do you mean by "exceptional circumstances?" - We have the right to terminate the policy if we believe there is an abuse of the terms and conditions - for example if you insure your own car with the intention to drive another car frequently - 3rd party cover is in place for emergencies or when it would be impractical to arrange insurance, such as late at night.

The bottom line;

They have no interest in other insurance on the vehicle - if I am driving it then they would be covering me - if my mate decides to park it on the road, not in a garage without SORN then thats up to him

Lesson learned: I know it is legal for me to drive others' cars. If you check your policy and still don't want to risk it then don't

this. the car may or may not be legal, this doesnt concern me. my point is the driver is insured if their policy says so.
ive probably not explained myself properly.

20th July 2010, 08:47

Quote:

Originally Posted by LeeM

this. the car may or may not be legal, this doesnt concern me. my point is the driver is insured if their policy says so.
ive probably not explained myself properly.

Finally.

To be legal on a uk road a vehicle (not a driver) needs to be insured in it's own right.

If you are driving on 3rd party extension and pulled by a traffic officer who ask's you to step out of the vehicle you were driving, how then is the vehicle insured?

That's right it's not.

Lee working in the insurance industry you will be aware of the cie (continuous insurance enforcement) scheme that will be rolled out early next year.

The scheme will basically be similar to that for road tax that is used at the moment where reminder letters will be sent out as insurance renewal looms.

vehicles will also be required to be declared as sorn if they are not insured in a vehicles own right.

Dvla/mib will also issue fines for non compliance just as they (dvla) currently do with road tax.

This scheme will bring an end to all the confusion of driving uninsured vehicles using a fully comp extension.

Tell me though how would they enforce these policies if they were not supported by the law?

Any vehilce that isn't insured would have to be declared sorn so how would we be driving them with our 3rd party cover?

Here's a link (read: compliance and enforcement)
http://www.direct.gov.uk/en/Motoring...ance/DG_067639

If you can't be bothered to read the link here's the basics

The continuous insurance enforcement scheme will provide a new fixed penalty for people who ignore official reminders that their insurance has expired. This will apply to vehicles that are not declared as being off the road through SORN (Statutory Off Road Notification) and not insured. Continuing offenders will risk having their vehicle seized and destroyed.

20th July 2010, 08:54

Quote:

Originally Posted by werdna

vehicles will also be required to be declared as sorn if they are not insured in a vehicles own right.

Does that mean that all the cars on forecourts are sorn? If so would trade plates still allow them to be taken out on test drives?

20th July 2010, 09:02

Quote:

Originally Posted by davidandrews5343

Does that mean that all the cars on forecourts are sorn? If so would trade plates still allow them to be taken out on test drives?

No, trader's will be exempt as they will have sent the trade slip from the logbook stating the car in question is in trade.

As far as i am aware the current trade plate system will stay in place.

I have added a link to a brief description of the cie above if you are interested.

21st July 2010, 23:18

Youve obviously gone to alot of trouble with all this, and by the looks of it, your probably right... another easy way for the police and/or authorities to hand out unofficial fines and generate extra income off the motorist. I mean - how can a car parked on the roadside not been driven require insurance? If someone were to drive into it then it would be your loss if anything happened - no one else's. But the fact remains that with my policy wording 'as is', then I am legal to DOC 3rd party for the time being. When this becomes active (law) then the word 'legal' in the wording will no doubt change to reflect the new rules. Then I will have to borrow my dads scooby instead of my mates saxo

21st July 2010, 23:31

ring up an mot test centre(one that doesn't need a deposit up front), book the car u are going to buy in to the garage(on the day you intend to buy it), then drive the car. no insurance needed.IF A CAR DOESN'T HAVE MOT, INSURANCE IS VOID. you can legally drive a car with no TAX, MOT OR INSURANCE TO AND FROM AN MOT TEST CENTRE. obviously, you're not going to mot centre, but if you get pulled over, thats what you say, and the police can fone up and verify your story.BISH, BASH, BOSH.JOB SORTED.HAPPY MOTORING

21st July 2010, 23:40

Sorry but you need insurance to drive a car to an MOT

https://www.direct.gov.uk/en/Motorin...icle/DG_069671

Quote:

Driving an untaxed vehicle to an MOT test
You can drive your vehicle to and from a pre-arranged test at an MOT test station as long as you have adequate insurance cover in place for the use of that vehicle.

This is also for vehicles being driven to and from a pre-arranged test at a Vehicle Inspection Check (VIC) test station, an approved weight testing station and reduced pollution test.

21st July 2010, 23:50

book the car in for mot on day you go to buy it.if you get pulled over, tell police to fone garage to prove it. obviously, cancel mot if you dont get pulled. you are allowed to drive to and from mot centre without tax,mot or insurance( insurance void anyways without valid mot) av dun this loads of times. police just luv pullin me in my black sax the cunts.hahahahaha

22nd July 2010, 02:29

Easiest option for the original poster is to get the seven days free insurance with IIRC more than. Simples

Jason

22nd July 2010, 11:04

Quote:

Originally Posted by outrage_uk

Youve obviously gone to alot of trouble with all this, and by the looks of it, your probably right... another easy way for the police and/or authorities to hand out unofficial fines and generate extra income off the motorist. I mean - how can a car parked on the roadside not been driven require insurance? If someone were to drive into it then it would be your loss if anything happened - no one else's. But the fact remains that with my policy wording 'as is', then I am legal to DOC 3rd party for the time being. When this becomes active (law) then the word 'legal' in the wording will no doubt change to reflect the new rules. Then I will have to borrow my dads scooby instead of my mates saxo

Haha it does seem as though i have spent hours researching this but the the truth of the matter is my partner is fairly high up in the dvla so i hear all the lingo day in day out.

It's a grey area for policies that don't stipulate the need for the other vehicle to be insured...

using the scenario i mentioned earlier what would you do if you were stopped by traffic police and asked to exit the vehicle you were driving, refuse?

Probably not so you do as the police ask and get into the back of the patrol car.

The police check the mid with you in the police car and decalre the vehicle you were driving is currently uninsured, what do you think would happen?

You may get lucky where the officer may let it slide and allow you to keep the vehicle you also may not.

Like i keep saying every vehicle on uk roads has to be insured in it's own right to be legal.

22nd July 2010, 13:18

outrage_uk, you are a total goon.

If you are driving a car that has no insurance and you think its all legal then i hope you get pulled by a traffic cop.

Then we will see who is right

rooney, you need insurance to drive on the UK roads. Even if its to a MOT test station.
What happens if you crash on the way there? I'll tell you....

...YOU'RE FUCKED, just like outrage_uk.

22nd July 2010, 13:35

hooray-cheers werdna & Tom,for finally telling the people concerend where they stand legally. As you say,every car MUST be insured in its own right,regardless of whether anyone has fully-comp etc

22nd July 2010, 15:42

Quote:

Originally Posted by rooney

book the car in for mot on day you go to buy it.if you get pulled over, tell police to fone garage to prove it. obviously, cancel mot if you dont get pulled. you are allowed to drive to and from mot centre without tax,mot or insurance( insurance void anyways without valid mot) av dun this loads of times. police just luv pullin me in my black sax the cunts.hahahahaha

What?

You can never drive without insurance, doesn't matter if you have an mot booked or not.

I find it difficult to believe they allow you to walk the streets alone with comments like that to be honest.

22nd July 2010, 15:52

I just can't believe they think its legal to drive without insurance

22nd July 2010, 18:46

if they'd only watch police interceptors/traffic cops, they're would probably be a case-in-point in every other episode bout guys tryin to explain,"But sir I have fully-comp Insurance so the car doesn't have to be insured.I'm covered!" 6 penalty points later etc,etc