Drink driving? No comprehensive cover!

joka250 said:
If they have even the remotest suspicion then you are tested, no leeway if over the limit that's it. Can be stopped and tested for any infringement, brake light out, whatever.
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I'm talking about when you're in the car asleep, not driving.
 
joka250 said:
If they have even the remotest suspicion then you are tested, no leeway if over the limit that's it. Can be stopped and tested for any infringement, brake light out, whatever.
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Personally I have no objection to random breath tests, if you think you may be over the limit get an Uber
 
Yorick said:
How about when you set auto-pilot then get in the back for a kip ? :)
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Self driving cars?. The latest wonder of the age?.
Or make coffee?. BTW, Winnebago, deny it ever happened, In their words "its an urban myth". :unsure:
 
Yorick said:
How about when you set auto-pilot then get in the back for a kip ? :)
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I just leave him in the driving seat which is where he is normally ... :giggle:

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You should not Drink and Drive ,whatever accident you are in you will get Breath tested
I had an accident (my fault) in Sainbury's Carpark m Police called by 3rd Party, I was asked had I been Drinking ,I did not realise that you could be Charged with DD on Private ground , but you can , also this is why they can enter your property if they suspect you have been DD.
Further to this my son's mate left a Party 6am next morning after sleeping the night , lost his Licence.
 
Tony50 said:
You should not Drink and Drive ,whatever accident you are in you will get Breath tested
I had an accident (my fault) in Sainbury's Carpark m Police called by 3rd Party, I was asked had I been Drinking ,I did not realise that you could be Charged with DD on Private ground , but you can , also this is why they can enter your property if they suspect you have been DD.
Further to this my son's mate left a Party 6am next morning after sleeping the night , lost his Licence.
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If you are going to have a session or going to a party, don't take the car, back in our clubbing days I only drank water on a night out, it is possible to have a good time without alcohol.
 
The Ex-Gasman said:
I didn't know that, would it apply if although over the limit, the accident was not your fault?
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As far as I believe, if you are over the limit then you are driving illegally therefore no insurer is going to be interested any "excuse"reason". The answer is do not drink and drive, full stop end of as they say.
 
Ian Bosman said:
As far as I believe, if you are over the limit then you are driving illegally therefore no insurer is going to be interested any "excuse"reason". The answer is do not drink and drive, full stop end of as they say.
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I understand that you believe it, but have you seen any clause in your insurance?

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4. Your insurance is invalid if you drink and drive ?????????

It depends. Your car insurance won't necessarily be invalid if you're drink driving. However, if you've been in an accident whilst driving under the influence, your insurance company could refuse to pay out for your repairs or injury claims.
Under the Road Traffic Act, insurers must meet the costs of any claim by a third party for injury or damage. Be warned though - the insurer’s entitled to claim these costs back from you.
Most insurance policies will have a drink and drug driving clause. Make sure you check your policy documents to find out what you're covered for.
 
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Yorick said:
4. Your insurance is invalid if you drink and drive ?????????

It depends. Your car insurance won't necessarily be invalid if you're drink driving. However, if you've been in an accident whilst driving under the influence, your insurance company could refuse to pay out for your repairs or injury claims.
Under the Road Traffic Act, insurers must meet the costs of any claim by a third party for injury or damage. Be warned though - the insurer’s entitled to claim these costs back from you.
Most insurance policies will have a drink and drug driving clause. Make sure you check your policy documents to find out what you're covered for.
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I will check, although I have no intention of driving under the influence of anything other than SWMBO. :roflmto:
 
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I can assure you, if you are Driving whilst under the influence of alcohol, you will not be insured under any circumstances.
 
Tony50 said:
I can assure you, if you are Driving whilst under the influence of alcohol, you will not be insured under any circumstances.
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Can you show proof of that ?

Many folk have been done for D&D. Have any of them been done for no insurance ?
 
Yorick said:
Can you show proof of that ?

Many folk have been done for D&D. Have any of them been done for no insurance ?
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This thread has gone full circle.

Yorick posted (last but one) is just about word for word what my policy said.
TONY 50 post whilst correct in practical terms is technically incorrect in that, whilst the Insurance Co. Will not pay out for damage to the holder of the Policy should an accident occur and the Policyholder is convicted, it Will pay out third party claims. ie the other party.

The offender DOES have Insurance that complies with s143. He/she does not have the cover they paid for ie Comprehensive.

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Irrespective of the rights and wrongs of drink-driving we should all be up in arms about the way that Insurance companies will do anything they can to avoid meeting claims.

What next? You were travelling 1 mile an hour over the speed limit and therefore it was 'wilful' and therefore they won't pay out?

It was past 5pm and you had not turned on your headlamps?

We live in France and all our vehicles are French registered apart from one which is too expensive to register here. We have cover from a specialist English insurance company that allows us to keep it here all year round without returning to the UK BUT it has to have British road tax on it to maintain Insurance cover! Why?

Because they know that it does not need to be taxed to be driven in France and that some people will cash in the tax. Then of course they have the perfect reason to avoid a claim.

I dislike insurance companies more than Ryanair and traffic Police, and that my friends is saying something...
 
Paul and Val said:
Irrespective of the rights and wrongs of drink-driving we should all be up in arms about the way that Insurance companies will do anything they can to avoid meeting claims.

What next? You were travelling 1 mile an hour over the speed limit and therefore it was 'wilful' and therefore they won't pay out?
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Whilst driving over the speed limit is stupid if done deliberately it is easy to do so by a small margin without realising, but 'hopefully' the driver is fully competent in that they aren't impaired by drugs/drink so have all their 'faculties' (apart from their sensible brain).

It was past 5pm and you had not turned on your headlamps?
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Again easily done especially now that cars have DRLs so you can think the side lights are on when they're not, but again not under the influence of drink/drugs.

We live in France and all our vehicles are French registered apart from one which is too expensive to register here. We have cover from a specialist English insurance company that allows us to keep it here all year round without returning to the UK BUT it has to have British road tax on it to maintain Insurance cover! Why?
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Because it is UK registered and insured by a UK company and the UK regulations require it to be road legal in the country of origin and the UK requires insurance, tax and MOT - I assume you bring it back to the UK for an MOT (or will when it's needed)?

Just a thought ... if you are permanently keeping it abroad are you not breaking the French regs by NOT registering it there?

Because they know that it does not need to be taxed to be driven in France and that some people will cash in the tax. Then of course they have the perfect reason to avoid a claim.
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No, see above.

I dislike insurance companies more than Ryanair and traffic Police, and that my friends is saying something...
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I'd never have guessed ... :giggle:

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Minxy Girl said:
Whilst driving over the speed limit is stupid if done deliberately it is easy to do so by a small margin without realising, but 'hopefully' the driver is fully competent in that they aren't impaired by drugs/drink so have all their 'faculties' (apart from their sensible brain). Really? Driving 10mph over the speed limit is always stupid? This is the beauty of a free society. Even people like yourself can express their opinion and I am allowed to say that such comments are complete twaddle.


Again easily done especially now that cars have DRLs so you can think the side lights are on when they're not, but again not under the influence of drink/drugs.
You are missing the point completely by referring to drink driving. I made it quite clear what I was talking about. I suggest that you re-read my post and try to understand it.


Because it is UK registered and insured by a UK company and the UK regulations require it to be road legal in the country of origin and the UK requires insurance, tax and MOT - No you are completely incorrect. As you say UK regulations. I am in France and the French do not care in anyway if the car is taxed or not (as long as the insurance is valid which it would not be with this ridiculous rule if untaxed). I can drive quite legally in France in an untaxed car and there is A) Nothing that the UK Government could do about it and B) it would be completely legal in France. Obviously when I return to England I would have to re-tax it but as this stupid rule has been made it will be taxed all year round.


I assume you bring it back to the UK for an MOT (or will when it's needed)?
Yes, and I have absolutely no objection to that clause.

Just a thought ... if you are permanently keeping it abroad are you not breaking the French regs by NOT registering it there?
Yes, but as it is a Bentley Arnage that would cost in excess of 10.000 € to register over here due to its emissions, it will stay on British plates. The local Gendarme says that they have no problem as long as it meets French road regulations as far as maintenance and condition is concerned.

Happy Motoring!
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I've tried to respond with the original posts so it hopefully makes sense!

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YOU: Irrespective of the rights and wrongs of drink-driving we should all be up in arms about the way that Insurance companies will do anything they can to avoid meeting claims.
What next? You were travelling 1 mile an hour over the speed limit and therefore it was 'wilful' and therefore they won't pay out?
ME: Whilst driving over the speed limit is stupid if done deliberately it is easy to do so by a small margin without realising, but 'hopefully' the driver is fully competent in that they aren't impaired by drugs/drink so have all their 'faculties' (apart from their sensible brain).
YOU: Really? Driving 10mph over the speed limit is always stupid? This is the beauty of a free society. Even people like yourself can express their opinion and I am allowed to say that such comments are complete twaddle.
ME: Actually you're not on this forum ... read Rule 1 ... you can disagree but don't make it personal or insulting.

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YOU: It was past 5pm and you had not turned on your headlamps?
ME: Again easily done especially now that cars have DRLs so you can think the side lights are on when they're not, but again not under the influence of drink/drugs.
YOU: You are missing the point completely by referring to drink driving. I made it quite clear what I was talking about. I suggest that you re-read my post and try to understand it.
ME: I suggest you review what I have said ... as the point isn't being missed by me.

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YOU: We live in France and all our vehicles are French registered apart from one which is too expensive to register here. We have cover from a specialist English insurance company that allows us to keep it here all year round without returning to the UK BUT it has to have British road tax on it to maintain Insurance cover! Why?
ME: Because it is UK registered and insured by a UK company and the UK regulations require it to be road legal in the country of origin and the UK requires insurance, tax and MOT -
YOU: No you are completely incorrect. As you say UK regulations. I am in France and the French do not care in anyway if the car is taxed or not (as long as the insurance is valid which it would not be with this ridiculous rule if untaxed). I can drive quite legally in France in an untaxed car and there is A) Nothing that the UK Government could do about it and B) it would be completely legal in France. Obviously when I return to England I would have to re-tax it but as this stupid rule has been made it will be taxed all year round.
ME: I believe you are wrong ... the point is that it is insured by a UK company which has to comply with the UK regulations (ie road legal in the country of it's registration) regardless of what the French ones are regarding road tax. From what you've said it appears you can only legally drive an untaxed car in France if you have French insurance, ie not provided by a UK based insurer, and to get that I assume you would have to register it in France.

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ME: Just a thought ... if you are permanently keeping it abroad are you not breaking the French regs by NOT registering it there?
YOU: Yes, but as it is a Bentley Arnage that would cost in excess of 10.000 € to register over here due to its emissions, it will stay on British plates. The local Gendarme says that they have no problem as long as it meets French road regulations as far as maintenance and condition is concerned.
ME: So you want the best of both worlds ... you have made a choice and are paying a relatively small amount in road tax each year in order to save a lot by not registering it in France ... and you admit that you are breaking the French regs but the local Gendarmes have no problem with you doing this ... hmm ... I wouldn't like to 'test' that view in the case of an accident when the National Police may then become involved or the other party's insurer starts 'digging'. You may believe that you are doing it all 'with approval' but I wouldn't want to take the risk which IMV you are.
 
Paul and Val said:
Irrespective of the rights and wrongs of drink-driving we should all be up in arms about the way that Insurance companies will do anything they can to avoid meeting claims.

What next? You were travelling 1 mile an hour over the speed limit and therefore it was 'wilful' and therefore they won't pay out?

It was past 5pm and you had not turned on your headlamps?

We live in France and all our vehicles are French registered apart from one which is too expensive to register here. We have cover from a specialist English insurance company that allows us to keep it here all year round without returning to the UK BUT it has to have British road tax on it to maintain Insurance cover! Why?

Because they know that it does not need to be taxed to be driven in France and that some people will cash in the tax. Then of course they have the perfect reason to avoid a claim.

I dislike insurance companies more than Ryanair and traffic Police, and that my friends is saying something...
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With respect Your car tax contribution helps us keep the NHS going , for when you come back to live here !!
As it happens I agree with you if they can get out of paying they will
 
Nanniemate said:
If you are over the limit you should not be there so .........................
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I would think that no matter who’s fault it is, if the opposing insurance company that you are proposing to claim from because their sober driver pulled out of their driveway straight into the main road and therefore straight into your path, even though it’s not your fault as you were just driving along the main road minding your own business, if you were found to be only slightly over the limit because you had a drink yesterday at teatime, so residual,and his ins.co. found this out I would think that think that they would reject any claims for damages to your vehicle from you because I would think that they would claim that although it was their drivers fault you would have been in a better position to avoid the accident if you had a totally clear head, knowing as ins.co’s. are only looking for the slightest reason not to pay out. Just sayin.
 
Emmit said:
You would be amazed at how many, shall we say junior Constables who wish to get a White top, will get the breathyliser out when they 'come across' an accident.

They have to show they have a real desire to be in Traffic and they have to put a folio to prove the point.
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It is a policy of South Wales police division that if they attend a rta that Both parties are breathalysed Regardless of who is at fault.

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Emmit said:
You would be amazed at how many, shall we say junior Constables who wish to get a White top, will get the breathyliser out when they 'come across' an accident.

They have to show they have a real desire to be in Traffic and they have to put a folio to prove the point.
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And there's me thinking that they only had to have the common sense part of the brain missing? :rofl: Back when, we referred to them as "wooden tops".:rofl:
 
gwyntaxi said:
It is a policy of South Wales police division that if they attend a rta that Both parties are breathalysed Regardless of who is at fault.
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My understanding is that this policy applies throughout most of UK and so it should.
 
Yorick said:
Can you show proof of that ?

Many folk have been done for D&D. Have any of them been done for no insurance ?
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This may have already been posted, but Safeguard make it perfectly clear that you are not insured if convicted of driving under the influence of Drink or non Prescribed drugs. This was in my renewal pack.

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mickyc said:
This may have already been posted, but Safeguard make it perfectly clear that you are not insured if convicted of driving under the influence of Drink or non Prescribed drugs. This was in my renewal pack.

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That's only if you have an accident.

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