Should car insurance be compulsory ?

**3toes** · 6th October 2022, 04:29 AM

In the UK is illegal to drive without insurance as rego does not include CTP which is covered in the car insurance. Details of all insurance is held in a central database which is connected to the Police number plate checkers

That said those who drive unregistered vehicles tend to be disproportionately involved in accidents so not sure how this helps with compliance as there are estimated to be about 1 million unregistered or insured vehicles being driven on the UK roads

If not registered or insured and picked up by a camera who do you post the fine to?

**Tombie** · 6th October 2022, 09:17 AM

I don’t care (about the other party)!!!!

I have mine covered, I couldn’t care less if the other party has to pay my repair off for the next 30 years.

That’s a them problem.

Glad you are ok…. Cars can be fixed easier than humans.

**ramblingboy42** · 6th October 2022, 09:29 AM

I say caveat emptor....I think that's applicable.

**1984V8110** · 6th October 2022, 04:24 PM

I believe third party property should be compulsory, partially because I believe many drivers don't know the difference between CTP and TPP and may genuinely believe they are covered against damaging another vehicle by the CTP cover. Moreover young people (especially) are not very good at assessing risk and consequences, so in this instance I think a 'Nanny state' approach is justified.

**RANDLOVER** · 9th October 2022, 08:51 AM

Originally Posted by johnp38

............ As long as you have your own third party 'property' or comprehensive on top of your rego, you don't need to concern yourself whether the other party is insured or not, my policies don't require me to pay any excess unless I am at fault, or I can't provide the other drivers details for them to chase up.

Originally Posted by 1984V8110

................ Moreover young people (especially) are not very good at assessing risk and consequences, so in this instance I think a 'Nanny state' approach is justified.

As others have said it doesn't matter as long as you are insured, as the insurance company and their lawyers/debt collectors will be tasked with recovering their damages. My advice to parents is make sure your kids are insured, so they don't come crying to you if they total a new Ferrari, etc.

**shanegtr** · 9th October 2022, 01:20 PM

Originally Posted by Tombie

I don’t care (about the other party)!!!!

I have mine covered, I couldn’t care less if the other party has to pay my repair off for the next 30 years.

That’s a them problem.

Couldn't agree with you more. At a bare minimum I would have 3rd party cover on a cheap car - gotta cover your arse in case you hit something expensive

**scarry** · 9th October 2022, 01:46 PM

Originally Posted by shanegtr

Couldn't agree with you more. At a bare minimum I would have 3rd party cover on a cheap car - gotta cover your arse in case you hit something expensive

Be carefull with third party only,lots of exclusions in some policies.
One is they won't chase someone who runs into you,and you are not at fault.
You are on your own to sort it.

**p38arover** · 9th October 2022, 02:12 PM

Originally Posted by johnp38

my policies don't require me to pay any excess unless I am at fault, or I can't provide the other drivers details for them to chase up.

My wife had a bloke reverse into her car at traffic lights and then drive off. We got the rego no. but because we couldn’t identify the driver, we had to pay the excess. The police visited the other car owner’s address but no one ever answered the door nor did they respond to the card the copper left for them - so after 6 months, the cops dropped it.

**shanegtr** · 9th October 2022, 05:31 PM

Originally Posted by scarry

Be carefull with third party only,lots of exclusions in some policies.
One is they won't chase someone who runs into you,and you are not at fault.
You are on your own to sort it.

I wouldn't expect 3rd party to cover that situation anyway.

**ozscott** · 9th October 2022, 06:01 PM

No that is the nature of third party insurance. Because your damage is not covered by your insurer, your insurer will (assuming no specific exclusions to the insurer indemnifying you apply) pay for the reasonable costs of repair or replacement of the other vehicles. But just bear in mind in such cases to ensure that your insurer is aware of your interests (in writing to the insurer and an acknowledgement in writing from your imsurer) when it is negotiating a settlement with the other vehicle owner / insurer. There may for example be an agreement between your insurer and the owner driver of the third party vehicle (or its insurer) to pay for part of the other vehicle's repair costs on the basis of an agreed apportionment of liability (many, but not all, intersection accidents involve legal responsibility on the part of both drivers). In such cases you want the insurer to note your interests and it may be possible to resolve both with some communications (this may not be relevant where the owner of the other vehicle who is owed something is not one and the same as the driver in which case, absent agency, that owner will not be liable for the damage that you may be entitled to claim and your claim will be against the driver). A good approach is to also make a claim on your own insurer when you are in an accident and have comprehensive insurance, even if you think you are in no way at fault, in preference to dealing with/claiming against the at fault driver (or his/her insurer). Let your insurer sort out your repairs and for it to take recovery action. However there are many pitfalls that may cause issues and exceptions to general rules that can cause issues with recovery and your interests generally if you are not aware of your rights and the best approach I reckon is 1. Make sure if you can afford comprehension insurance you do so: 2. You get legal advice (especially important if you only have third party property damage insurance).

Cheers
PS...not legal advice.

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