driving third party, Driver hit me and admitted liability UK question?

Question

I have fully com insurance on my car and so as my sister, She lent me her car to drive to the shop as mine is off the road, As I drove 100 yards, A driver pulled out of side road and hit me, He admitted his at fault and swap insurance details, Being though I am only covered third party on my sister vehicle, There shouldn't be any issue with her insurance considering he has already said he was at fault and I had a witness, I have contact my own insurers and they seem to think it's a done deal as the bloke as admitted it, But I was told today her insurers could decide to have nothing to do with as I am only third party is that true?

Being though her insurers won't be paying the bill I cannot see the issue the insurers will have

? · Accepted Answer

to be honest, the guy has no way out of this
it was clearly the other drivers fault an as so you should not have any problems

Hawkeye85 · Answer

Your own insurance has NOTHING to do with other vehicles that your not insured under, unless your policy allows you to drive any vehicle.

The accident was not your fault so everything goes through the other insurance provider so does not effect your sisters insurance.

HOWEVER, depending on your sisters policy it's likely she is required to tell her provider if someone means to drive the vehicle that's not on the policy!!!

Edit

The vehicle your driving must be fully comp as well as following the set rules of the provider to activate 3rd party as well as you having your own fully comp insurance.

It's the vehicle that is insured not the person, hence you can't drive an uninsured vehicle etc

Who is Jack.... · Answer

If you were covered to drive the vehicle third party on your insurance there should be no problems. However him admitting liability means nothing as all insurers always state never to admit liability as they are the ones who decide in the end. If it goes 50/50 you will have a big bill to pay your sister. Never a good idea to drive someone else's car on third party only cover to try to save some money as it could be very costly to you.

Anonymous · Answer

It's your insurance who will be dealing with this.

As you only had third party cover to drive this vehicle they will not be interested in dealing with it especially as the other driver has admitted fault. You are on your own dealing with the other driver's insurance. At best, if you paid for legal cover, you can use that cover to pursue your claim.

Anonymous · Answer

You may have fully comprehensive insurance - but does your policy specifically say that you can drive someone else's car with their consent? Not all policies include that - so check that those words appear in your policy before you contact your insurer about this claim - because it is your insurer who has to deal with it, not your sister's insurer.

Jackie M · Answer

It will be the other persons insurance that pays for the damage to sisters car but her premium will be more expensive because she made a claim even though it was not her fault, Good Luck

Timbo is here · Answer

If the other insurers play hard to get then you will have to threaten them with court action and maybe go through with that to be able to get anything out of them

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driving third party, Driver hit me and admitted liability UK question?

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