Insurance claim - Advice needed

anonn

anonn

Well-known member
As FMTTM is the font of all knowledge I am hoping someone can offer some advice.

Someone has hit my sisters car in a multistory car park and driven off.

Witness left a note and took photos etc and she is now going through insurance to claim against the other person and get it sorted.

When the courtesy car company rang to arrange a car for a few weeks they noticed that my sisters driving licence has expired which she was completely oblivious to.

From looking online, some sources say this will be fine as its not the actual licence has expired (this doesn't happen until you are 70) but instead just the photo which needs to be renewed every 10 years.

Other sources are saying that this being out of date means the licence is invalid and therefore the insurance is invalid too.

Is anyone with any knowledge of this able to advise on whats correct? We will speak to the insurance company today but want to try and be a bit more informed before speaking to them.
 
Other sources are saying that this being out of date means the licence is invalid and therefore the insurance is invalid too.

This is true but only in a moving car scenario with a driver. In a stationary , without occupant driver , collision. I don't think there is a need for them to check marginal factors like this. The insurance will be making a 100% claim on the other insurance later on and so they will not come out of this with a loss. Also , nobody can prove your sister drove to the car park,, could have been a family member or friend under the 3rd party any car rules. She just needs to avoid saying 'I drove to the car park and home... and just say the car was at the car park etc

An issue might arise over how out of date it was. A few weeks is different to 9 months

However it is part of the contract of continuing a valid licence that we supply a new pic every ten years. That's why hire or insurance car providers will check and also moving to a new insurance company.

I had my parked empty car crashed into in 2018 and basically was't asked a thing and got a full pay out.
 
Boro_Interlinked said:
Other sources are saying that this being out of date means the licence is invalid and therefore the insurance is invalid too.

This is true but only in a moving car scenario with a driver. In a stationary , without occupant driver , collision. I don't think there is a need for them to check marginal factors like this. The insurance will be making a 100% claim on the other insurance later on and so they will not come out of this with a loss. Also , nobody can prove your sister drove to the car park,, could have been a family member or friend under the 3rd party any car rules. She just needs to avoid saying 'I drove to the car park and home... and just say the car was at the car park etc

An issue might arise over how out of date it was. A few weeks is different to 9 months

However it is part of the contract of continuing a valid licence that we supply a new pic every ten years. That's why hire or insurance car providers will check and also moving to a new insurance company.

I had my parked empty car crashed into in 2018 and basically was't asked a thing and got a full pay out.
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Thanks Interlinked, sounds like she should be ok fingers crossed.

Imagine it would be very different if she was at fault and trying to claim!

Will get her to update her licence ASAP and see what insurance says.
 
from looking online, some sources say this will be fine as its not the actual licence has expired (this doesn't happen until you are 70) but instead just the photo which needs to be renewed every 10 years.

Other sources are saying that this being out of date means the licence is invalid and therefore the insurance is invalid too.
Click to expand...

I still have my paper licence from the early 1990's. I've never had a photo licence so this rule can't apply to those of us don't have photo licences. I'm not sure how it can be used to invalidate some people's insurance and not others without some legal hassle in your favour as it could be deemed discriminatory..... then again its an insurance company so they probably have it in their small print somewhere.

Hope you get it sorted anonn (y)
 
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GazBoro said:
I still have my paper licence from the early 1990's. I've never had a photo licence so this rule can't apply to those of us don't have photo licences. I'm not sure how it can be used to invalidate some people's insurance and not others without some legal hassle in your favour as it could be deemed discriminatory..... then again its an insurance company so they probably have it in their small print somewhere.

Hope you get it sorted anonn (y)
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I do know that paper licences are still valid unless you’ve had a change of address or something. Not sure what the rules once you switch to photo is though. Prob best to get it changed anyway if the photo card is expired as some copper will pull them up about it.
 
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