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Ye're missing the important point mentioned by PeteB and myself.
If she was not insured with the same company and teh same policy for teh past 20 years, then she has been putting untruths on the proposal forms. That has serious ramifications.
It is not the licence, but the lies told on the proposal form that will get you into trouble.
Ravima you are missing the point, as she was not at fault for the accident, from an insurance point of view this accident/claim will have nothing to do with her own insurance policy.
The main problem she will have is if the Gardai become involved
Hi all,
In a bit of a quandary, friend of mine was in a crash recently, not her fault in any way. However she used to have a provisional license about 25 years ago and never renewed it. She is an elderly woman who pretty much just let it slip passed her. Now I know she is still insured by her own company as the clause 'hold or having held a driving license' applies. She recieved a claim form from the other companies insurance company which requests a copy of her licence and further such details, this has lever her in a bit of a worried state. I'm hoping someone here can advise us on what we should do.
Thank you.
I think there are two issues here, first in respect to the accident itself, she is going to have to provide the documentation requested, if she wants to make a claim - I guess she could always just drop the issue and hope it goes a way.
The second issue, the lack of a driving licence is a more serious one - a provisional license only allows one to drive under supervision and as such is not a driving licence under the meaning of the insurance contract.
Jim.
You're completely wrong here. The matter of a provisional licence and supervision whilst driving is nothing to do with the insurance contract. It is a civil law matter. A driving licence is a driving licence whether its full or provisional for insurance.
Secondly again, if it another parties policy she is making a claim under there is no reason for her to provide a copy of her driving licene. it has nothing to do with a claim. Nor is there an obligation on her to complete a claim form for the other persons insurance company as it is not her policy.
i do believe because she has no license she should not have been on the road in the first place. So there fore the accident would not have happened.
I would put money on her being jointly liable and then facing a ban/conviction
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