no m.o.t.

[elisking77]

i borrowed my friends van and was pulled by the police and told there was no m.o.t on it i am on my partners ins fully comp yet i have been charged with no m.o.t or insurance even thou i said the van was not mine and my friend say when i paid for van after sale it was suppose to of had a years test on it so where do i stand with this

[bednobs]

i have hardly any idea what your question says, Full stops would help. Anyway, if you bought the van, why did you say to the police it was borrowed? if your friend thought there was an MOT on it, why did he not have a certificate? The thing with the insurance is easily sorted out: if indeed you are covered (which seems doubtful: if you are named on someone elses policy, it is usually for THEIR car, not any random car you drive) then just show your proof to the poice and they will drop the charge.

[chas2008]

up to the person driving to make sure it has an MOT and insurance...no excuses..
I might be wrong but if you are a named driver on a policy it doesnt give you the same rights as the main driver, i.e. 'drive any car not owned by the policy holder' etc.

[elisking77]

how many times have you borrowed some ones.car and asked to see there m.o.t,papers or insurances if it is a friend you trust them and it was my friends van i borrowed so it is up to .him to check .for the m.o.t not me i am not .the .owner of this van but my friend ok

[chas2008]

i agree, you should trust your friends, unfortunately in law its up to the person driving to make sure its legal, same principal as company van drivers , up to them to make sure its roadworthy lights ,tyres etc are all legal , they are the ones that get the fine & points , not the owner..
Knowing how serious driving without insurance is , i would make 100% i was covered on someones policy..6 points is really not worth the risk

[Ethel]

A vehicle over three years old does not have to have an MOT. The owner is committing no offence by keeping a vehcile without an MOT - provided it is not on the public highway.

The offence is driving without an MOT. You were the one driving, so you will be the one prosecuted. Harsh but true.

You can say that you didn't know it had no MOT, but it is not much of a defence.

The far more serious offence is driving without insurance - and that is entirely your fault.

[pink-kittens]

Over 3 years? do you mean under Ethel :)

[LAW_DROP-OUT]

theses days you should be able to check , the MOT status, via internet ,..and i think this check , is frree .....if you are on your "partners" , insurannce , was the reg, NO of this van , on his policy .... if it wasnt , you were uninsured ........ if he is a policy holder , on a fully comp basis ,.....his policy would allow him , to drive any other vehicle not belonging to him , by virtue that he is the POLICY HOLDER ,,,, you sounf like you are a named driver on hid policy ,,,,,,, so i suspect if you have been reported for no insurance ,,,,, the police have excercised their powers correctly ..

[pink-kittens]

Do you need the registration number of the van on your ins policy to be able to drive it insured?

OP: The MoT charge is maybe something you need to take up with your friend with regard ot them paying any fine you get for it perhaps?

As for insurance? tough titty, down to you. Just because your a named driver on your partners policy doesn't mean you are insured to drive any other vehicle

[redcrx]

pink, ethel meant that it doiesnt have to have one if not being driven :)

pink, can you do me favour, can you email me link to a certain board (the one you spotted me on) as i dont have it on this PC and debs has just bought new PC and asked for link! TIA if you can x

[pink-kittens]

Hi Red

Will do - i hope its the right one lol :)
On its way now

[pink-kittens]

Sorry Ethel, misread your sentence :)

[elisking77]

have any of you any idea what your talking about my friend bought the van in jan 08 with what was suppose to have a full years m.o.t.. on it he lent me his van becouse my car had no m.o,t on it was wait to go to test station i am fully comp on my wifes insurance so i did have insurance no the van was not registerd to me but to my friend is was the legal owner he lent me it for one day this was the day i was pulled. by the police going to work . there did a check and come back .with .no m.o.t. i was shocked has if i had been aware i would not have used it this was the reason. why i did. not use my for i have not yet been charged but giving acourshion for it it it up to the head police to make there mind up. if i will be charged or not has my friend is the owner so it it is up to him to make sure there was m.o t on it not me i am not the owner but him

[R1Geezer]

The mot thing, accepted you trusted your mate, fine. The insurance thing disturbs me however. Why did you think you where insured? You're on your partners insurance as a named driver for christ sake! on what planet would you imagine that it means you can drive another vehicle?

Sorry mate as numpties go, you're up there!

[R1Geezer]

what has "fully comp" got to do with the price of eggs? You're a named driver! get it?

[monkeyeyes]

Well that's cleared everything up beautifully........

[LAW_DROP-OUT]

good reply R1geezer.... peoplr are just releuctant to contact insurers on advance to find out theier status ,...... and the "fully comp" confuses people also - ofetenly people drive uninsured outside office hours when they get stopped , and were unable to get advice from there insurers ,,,,,,,, a sort of lazines ,,,,and oh my boyfriends policy is fully comp ...... good ansewr from R1 geezer

[LAW_DROP-OUT]

Law drop out once had an acident , near stansed airport , he was hit in the rear , by an unisured driver , whos policy had ceased two months before thwe accident ..... luckily traffic division Chigwell Essex ,took the matter up , and he got 3 months disqualified ..........--- he had travelled with passengers ,,,,,,, over 50 miles from SLOUGH Berks ., to Stansted .......M4 , M11 , M25 , all safe roads ha ha ha ,...

[monkeyeyes]

elisking - Your wife will have fully comp insurance on her vehicle (vehicle A) and you are named on her policy as being allowed to drive vehicle A, in addition to her, and no doubt this will have added a little to her insurance for vehicle A.

Depending upon the wording of her insurance policy, for vehicle A, she may be allowed to drive other vehicles.........you, however, are NOT !

Your wife could have driven your friends van, vehicle B, using hers or his insurance..........YOU cannot.

The fact that there is NO current MOT certificate meant that no-one ought to have been driving it as it should not have been on the road !

[kempie]

It is abundantly clear that it is you who has no "idea what your talking about" and that you fail to understand what others who do have an "idea" are trying to explain.

The Registered Keeper has responsibilties and obligations in regard of a vehicle before using or allowing others to use it but that does not mean the driver has no responsibities also. Before you borrow a vehicle it is your responsibility as the driver to make sure the vehicle and yourself are both road legal i.e. the vehicle is taxed, MOT'd, not dangerous, etc. and you are licensed and insured for that vehicle.

"no m.o.t. ... if i had been aware i would not have used it"

The law says that you are supposed to make yourself aware before using it - if you choose not to that is your look out.

[LAW_DROP-OUT]

good answers Kempie .//