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Mechanic crashed my car during MOT test, but *I* have no insurance watch

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    Ok so here's the story...

    The insurance on my car ran out back in August, I didn't bother to renew it as I'm not going to use it until October, so it'd be a waste of 2 months insurance. I haven't driven it at all in this time, it's been in my garage.

    Today a mechanic collected it from my house for it's MOT, but he's crashed it driving it to the test center.

    Now it's my understanding that insurance is in regards to the driver, as opposed to the vehicle, so does it matter that I have no insurance to drive the vehicle? Both from a damage aspect, and a legal one - have I done anything wrong? (The police are involved in the crash it seems)

    Thanks in advance for any replies.
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    I would assume it would be down to the mechanic to pay out for it not you, since he was driving it at the time. If he's fully comp and over 25 he can drive anyones car with their permission and be covered for it.
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    Mechanics have insurance to drive customer's cars, I know that much. What I don't know is if it is comprehensive, TPFT or TP. Either way it's his fault and he should get the car back to you in working order.
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    (Original post by spyka)
    Ok so here's the story...

    The insurance on my car ran out back in August, I didn't bother to renew it as I'm not going to use it until October, so it'd be a waste of 2 months insurance. I haven't driven it at all in this time, it's been in my garage.

    Today a mechanic collected it from my house for it's MOT, but he's crashed it driving it to the test center.

    Now it's my understanding that insurance is in regards to the driver, as opposed to the vehicle, so does it matter that I have no insurance to drive the vehicle? Both from a damage aspect, and a legal one - have I done anything wrong? (The police are involved in the crash it seems)

    Thanks in advance for any replies.
    He would have insurance for him to drive any vehicle that he's qualified to drive. He may have had to install trade plates (those funny looking red and white ones) onto the vehicle while driving what was at the time, an uninsured vehicle.
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    yes he will have insurance that will cover it.
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    Thanks all, this is what I assumed. I'm not so much bothered about the coverage of the insurance, as the damage is pretty minor and I could pay for it if I have to it. (I don't want to of course, but I have the option if it comes to it)

    In regards to a legal stand point, am I OK? I'm the registered keeper of the vehicle. I'm not sure if the driver knew it was uninsured or not
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    You should be fine. I think.
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    (Original post by Lexi99)
    I would assume it would be down to the mechanic to pay out for it not you, since he was driving it at the time. If he's fully comp and over 25 he can drive anyones car with their permission and be covered for it.
    I agree.
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    (Original post by Lexi99)
    I would assume it would be down to the mechanic to pay out for it not you, since he was driving it at the time. If he's fully comp and over 25 he can drive anyones car with their permission and be covered for it.
    (Original post by Emma:-))
    I agree.
    I agree that it's the responsibility of the garage / mechanic to get it sorted but his personal insurance is unlikely to cover it.
    It does depend on the small print but normally a fully comprehensive policy with 'driving other cars' only covers a vehicle if it already has some form of existing insurance cover. If it is covered however, the 'driving other cars' entitlement is usually third party only so will only cover damage to other vehicles etc.

    (Original post by spyka)
    Thanks all, this is what I assumed. I'm not so much bothered about the coverage of the insurance, as the damage is pretty minor and I could pay for it if I have to it. (I don't want to of course, but I have the option if it comes to it)

    In regards to a legal stand point, am I OK? I'm the registered keeper of the vehicle. I'm not sure if the driver knew it was uninsured or not
    Personally if the damage is only minor and they are a decent garage I would ask them to fix it outside of insurance, being in the trade they will probably be able to sort it or know people who can.
    My brother recently had his car dented slightly whilst in the garage and they apologised and sent someone out to fix it free of charge, they did a great job and were able to fix some other things at the same time.
    Seeing as it's not your fault, you didn't drive it and you didn't cause the damage I would have thought that you would be ok legally. I always thought it was the drivers responsibility to ensure they had the appropriate insurance. Don't take my word for it though as I'm not a lawyer.

    Good luck getting it sorted.
 
 
 
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