I wonder if anyone can give me some advice please. I have a c+e licence which i am due to take a medical for renewal next week as i am 46. Ive just found out today that i am probably going to receive 6-8 points on my licence for allowing my son to drive my car without insurance. This was a genuine oversight as he has insurance on his own car and thought he had third party cover on other vehicles. He should have checked the small print. I was just about to return back to driving after a back op but am wondering if theres any point paying for a medical if no one will offer me a job with the 6-8 points i will get. if i dont take a medical do i lose my lgv entitlements after a period. At present i have a clean licence. Id really appreciate any help as obviously devastated with the news. Many Thanks Glyn.
Ps. my son will get the in10 points and i get the in12 points.
Can’t help with the points thing, sorry. But the good news is you don’t have to take your medical now to keep your licence current. Just take it when you want to renew your licence - no probs
In my opinion i would still do it. Agency will always be there. And to be honest they are not as if it reflects your driving, not as bad as an SP50 or DR10 or careless driving. I think there will be a job out there for you.
Tbh I would have to look it up if you came to me for a job, if you then explained what it was for, I would ignore it (for the purposes of deciding whether to employ you or not). I would however have to tell my insurance company about it, and I can’t see them having a problem with it either.
The only mitigating circumastances are if the OP was shown an insurance cetificate that looked genuine, although claiming that would also get his son done for fraud as well as other things
Even being shown an insurance certificate is not a get off free card
you still get jobs best always go in person show them your keen and want job. i got out army 7 years ago got my 1st 4 on 4 off job finished shift had few drinks phone call next day for extras didnt think was over limit and was pulled on my way in…lesson learned hard way 9 month ban and dr10 but never stopped me from working some companies just said if i was to crash i would have to cover the 500 excess wich never bothered me as got me work. up to last year i had dr10 and 9 points for sp10 in truck as still can get work. not proud and getting back to clean licence soon but just be honest and work comes
sundial:
I wonder if anyone can give me some advice please. I have a c+e licence which i am due to take a medical for renewal next week as i am 46. Ive just found out today that i am probably going to receive 6-8 points on my licence for allowing my son to drive my car without insurance. This was a genuine oversight as he has insurance on his own car and thought he had third party cover on other vehicles. He should have checked the small print. I was just about to return back to driving after a back op but am wondering if theres any point paying for a medical if no one will offer me a job with the 6-8 points i will get. if i dont take a medical do i lose my lgv entitlements after a period. At present i have a clean licence. Id really appreciate any help as obviously devastated with the news. Many Thanks Glyn.
Ps. my son will get the in10 points and i get the in12 points.
Maybe I am missing something here, but why are you getting points for your son driving the car with no insurance?
sundial:
I wonder if anyone can give me some advice please. I have a c+e licence which i am due to take a medical for renewal next week as i am 46. Ive just found out today that i am probably going to receive 6-8 points on my licence for allowing my son to drive my car without insurance. This was a genuine oversight as he has insurance on his own car and thought he had third party cover on other vehicles. He should have checked the small print. I was just about to return back to driving after a back op but am wondering if theres any point paying for a medical if no one will offer me a job with the 6-8 points i will get. if i dont take a medical do i lose my lgv entitlements after a period. At present i have a clean licence. Id really appreciate any help as obviously devastated with the news. Many Thanks Glyn.
Ps. my son will get the in10 points and i get the in12 points.
Maybe I am missing something here, but why are you getting points for your son driving the car with no insurance?
drummerkev:
Maybe I am missing something here, but why are you getting points for your son driving the car with no insurance?
Because he has permitted it, and that is an offence too. If he tried to claim that he hadn’t given consent for his son to drive the car, then they would charge his son with TDA which is a far more serious offence.
drummerkev:
Maybe I am missing something here, but why are you getting points for your son driving the car with no insurance?
Because he has permitted it, and that is an offence too. If he tried to claim that he hadn’t given consent for his son to drive the car, then they would charge his son with TDA which is a far more serious offence.
Well that clears that up!
They really need to start clearing this driving other cars with 3rd party up. As i have heard a few stories like this (never with the owner receiving points though). It needs to be clearly wrote on the insurance document rather than being hidden within the small print. Yes you should read T and C’s and if unsure call the company, but why not just make it clear?
I’m not taking sides, but it will be clearly written on the insurance certificate if the insured can drive any other vehicle. Most people probably don’t check.
Rather bizarrely, on my truck insurance certificate, it states that although I am only generally insured to drive my own truck, I am also insured to move any vehicle which is causing an obstruction to its passage.
Don’t really understand the mentality of this it’s not like you’re a vehicle hire company. If a mate or relative asks to borrow a vehicle you’re supposed to suddenly become an insurance specialist poring through the small print. Are you supposed to give them a breath test and a half-hour driving assessment too FFS.
This is why people hate the filth because they spend their time going after ordinary people, who aren’t a danger to society, on smallprint technicalities.
If the vehicle belonged to a company instead of a private individual who’d, out of half a dozen named directors, would end up with the points then?
Sure we’d have no problems with our insurers covering someone with these points to drive but you might need to avoid big inflexible companies with standard criteria who won’t hear you out.
Harry Monk:
I’m not taking sides, but it will be clearly written on the insurance certificate if the insured can drive any other vehicle. Most people probably don’t check.
Rather bizarrely, on my truck insurance certificate, it states that although I am only generally insured to drive my own truck, I am also insured to move any vehicle which is causing an obstruction to its passage.
Just had a look on mine now and there is nothing to state it and i know for certain that I am allowed to do this, as i confirmed it with them on the phone when i took the insurance as i seldom drive my old mans car, and i checked the t and c’s as well when it came through.
Yes i do agree it is cleary road in the T and C’s and yes you should read them, but id say 90% of people dont read it all word for word. Yes then it is on there own head and situations like this then can happen. But surely they are aware that this fairly common problem and should make it a lot more clearer… just a thought
Harry Monk:
Rather bizarrely, on my truck insurance certificate, it states that although I am only generally insured to drive my own truck, I am also insured to move any vehicle which is causing an obstruction to its passage.
Yes ours has that and it sounds surprisingly generous says something like insured for any vehicle you have permission to drive or is causing an obstruction so rather than just someone who’s ■■■■■■■ doing something chucking you their car keys and you moving it on the public highway it sort of implies you could jump in a bin lorry and shift it if you decide they’ve been dicking about too long and can’t be bothered to wait.
Own Account Driver:
This is why people hate the filth because they spend their time going after ordinary people, who aren’t a danger to society, on smallprint technicalities.
+1.
One for Mickeyblue to debate with his ex colleagues.
drummerkev:
Just had a look on mine now and there is nothing to state it and i know for certain that I am allowed to do this, as i confirmed it with them on the phone when i took the insurance as i seldom drive my old mans car, and i checked the t and c’s as well when it came through.
Whoa, hold it right there.
If the Police become involved with anything you do, then what you were told on the phone, and what your understanding of the T and Cs is will be irrelevant. If it doesn’t clearly state on the insurance certificate that you are insured to drive other vehicles then you aren’t.
Harry Monk:
but it will be clearly written on the insurance certificate if the insured can drive any other vehicle.
I know mine states it on the first page of the document and not the small print. It also appears to be a clause that’s not issued to drivers under 25 or new drivers anymore so it’s worth checking.
but just be honest and work comes