If you borrow a mates vehicle and damage it

[Chicken Runner61]

causing about £700's worth of damage

Do you

Offer to pay for the repairs

or tell him its not your problem as he can put it through his insurance even though it will wreck his no claims and give him higher insurance costs in future?

 

[Cian]

Unless he has full open drive, he won't be able to put it through his insurance - or your insurance - regardless. Third-party extensions are just that, third-party only.

 

[TheJasperCo]

Well, if he really was my friend, and I was in the wrong with the collision, then I would probably do the decent thing and pay up.

 

[Stat Brother]

Knob his Mum, sharpish.


He'll soon forget about the car.

 

[larus]

This really is a question which shouldn't need to be asked. You don't crap on your mates. End of. If you do, then you're worse than palace IMO......

 

[JamesAndTheGiantHead]

Tell him to put it through his insurance and offer him £200 hush money. Everyone's a winner.

 

[ees complicated no?]

Say someone nicked it?

No seriously I would pay for the damages.

 

[Gullflyinghigh]

causing about £700's worth of damage

Do you

Offer to pay for the repairs

or tell him its not your problem as he can put it through his insurance even though it will wreck his no claims and give him higher insurance costs in future?

It would take a pretty shitty 'mate' to stuff up someone else's car then claim it's not their problem. Especially if the mate was essentially an uninsured driver at the time, to my understanding policies tend to cover the driver not the car so unless the mate was on the policy then they're not covered, unless their own policy elsewhere covers them regardless of the car involved (I don't think this is actually as common as people on fully comp tend to believe...).

Long story short, shit mate wouldn't pay for their cock-up, good one would. Especially when you consider the car owner would essentially be paying for his mate to borrow his car.

 

[Bevendean Hillbilly]

Round up 10 of your mates and stand around the smoking wreckage holding your necks and demanding a fleet of ambulances to ferry you up to A&E...whiplash all round and £4k each.

Everyone dibs in £70 to your mate...sorry your fictional mate...and everyone parts as friends.

A million Jeremy Kyle viewers can't be wrong.

 

[Chicken Runner61]

It was a any driver policy so he was insured to drive it and he asked to borrow it to save him self hiring a van

 

[drew]

I take it the OP checked that he had insurance in the first place. Not sure on his age but seem to recall from another thread that Chickenrunner61 is quite young (apologies if I'm wrong). Used to be that third party extensions only applied if you are over 25 although I know some companies offer them to younger drivers.

 

[Chicken Runner61]

I take it the OP checked that he had insurance in the first place. Not sure on his age but seem to recall from another thread that Chickenrunner61 is quite young (apologies if I'm wrong). Used to be that third party extensions only applied if you are over 25 although I know some companies offer them to younger drivers.

I wish I was 25 again, It wasn't me - The vehicle was insured correctly, the problem is that its going to stuff up NCD - Its a vehicle thats only a year old too not a old wreck

 

[Bevendean Hillbilly]

I take it the OP checked that he had insurance in the first place. Not sure on his age but seem to recall from another thread that Chickenrunner61 is quite young (apologies if I'm wrong). Used to be that third party extensions only applied if you are over 25 although I know some companies offer them to younger drivers.

An excellent theory Watson. The case is almost closed and chicken runner and his dastardly scheme almost done for.

 

[Tim Over Whelmed]

You pay for the damage, thread closed.

 

[Digweeds Trousers]

cough up in cash this afternoon.

 

[Poyetry In Motion]

You pay for the damage, thread closed.

This. You don't 'offer to pay' for the damage, you 'pay' for the damage.

 

[Tricky Dicky]

You pay for the damage, thread closed.

Of course, this.

 

[sydney]

pay up.....cheapskate.

 

[34064 Fighter Command]

I wish I was 25 again, It wasn't me - The vehicle was insured correctly, the problem is that its going to stuff up NCD - Its a vehicle thats only a year old too not a old wreck

If you crashed it, it should be your NCB that's stuffed........

Offer to let him claim against your insurance and do the decent thing.

 

[GingerBeerMan]

I'm glad you're not my mate. The fact you're even asking shows you're a shit mate.