car insurancse

[waterside]

if a person as fully comprensive insurance and full driving license
does this allow them to be in passenger seat
with learner driver who is not named on policy, is this legal.

also if car is taken with out owners consent
and car as slight accident wiyh other car
and the driver who took the car as no insurance will insurance company pay on behalf of the owner.

[oldwoman]

Insurance is for the person driving the car. The fact that you have insurance as a passenger has no bearing on it. That is why they state the names on policies. If a car has been taken without consent and the police have been informed I see no reason why the insurance company wouldn!t pay out.

[Loosehead]

No the driver must be insured to drive personally, either independently or as a named driver. The insurance of the accompanying driver is irrelevant.

If a car is taken without the owners consent then that is TWOCing (Taking without consent). If the car then has an accident the driver will be liable personally for that as they almost certainly have no insurance and even if they did it would be invalid.

If the car is insured fully comp by the owner then yes the damage would be paid by their insurers they in turn would try to reclaim money from the driver as best they can. The police would prosecute for TWOCing, probably no insurance and any other offences.