Driving no insurance?

Hi, need some advice!!!

I am the main driver for my disabled mum. I am main driver and fully comp on my brother in-laws car and I am main driver and fully comp on my own car.
I was recently stopped in my parents car at a police check point initially for not wearing my seat belt correctly (under arm, instead of over shoulder). They carried out all the insurance checks etc. I was not a named driver on my parents car, and i told them that i was fully comp on my car, when they done their checks they said i was only a named driver on my car although i am the only one that drives it so that did not cover me. i then informed them that i was main driver and fully comp on my brother in-laws car, and they said because i was under 25 that insurance did not cover me. I was completly gob smacked and they seized my parents car. I have never heard of this before and neither have my parents who deal with the insurances. I have paid to get my parents car out and decided 2 send me 2 court HELP?????

So you are fully insured for your car, fully insured for your brother's car.
You are not a named driver or insured for your parent's car and that is the one you were stopped in. As you were not insured to drive it, you are going to court and car seized. Seems proper and normal to me or have I misunderstood something?

As many probably think the same as the majority of people i have spoken too, if you are main driver and fully comp insured on any car, this entitles you to drive another persons car with their permission third party, providing that the car you are driving is insured too. Report It

I'm afraid they are right, under 25's cannot drive another car (3rd party) under their own fully comprehensive insurance policy, you have to be named on the insurance for the vehicle you are driving. Once you are 25, you can drive another vehicle with the owners consent under your own insurance policy but only if you have a fully comprehensive policy, however the other car you would be driving is only covered 3rd party while you are driving it - if you crash it your insurance would not cover any costs except those of the 3rd party you have hit, so unless you can afford to replace the car I would avoid driving it unless covered under the owners policy. Car insurance can be very confusing, and I would seek legal advice on this matter, good luck.

I have been driving since 1996, this rule applied back then also.

I don't get this, if you're fully comp for your own car you should be covered to drive 'any car not belonging to, leased to or on a hire purchase agreement to the policy holder'
In other words you'd be covered to drive MY car with permission.
Check your policy documents for your own car, look for similar wording to that above. I'm assuming your parents car is registered to either your father or mother and not to you.
In my experience just because a guy's wearing a police uniform doesn't mean he knows the law .... some of them don't.
All else fails, take your insurance to a brief.

This seems a bit harsh , although strictly by the law you were committing an offence
You need legal advice as to how you should proceed and the lawyer will plead your case to minimise any fines and points
However it seems very likely you will be found guilty of an offence and face at least a fine
When you have sorted out legal matters , and if you haven't done so already , speak to insurance companies , or better still a broker and make sure you are fully covered on all the vehicles you drive

You need a solicitor to check out the insurance policies that you currently hold on your own and your brother in law's vehicles.
I know the legal representation may be costly but if a fine is coming your way he may be able to get it reduced. Other than that take both your policies down to the Citizens Advice Bureau, they should be able to give you some free advice.

Good luck with the case.

in the last couple of years it changed so that if you are under 25 you can not drive another car even if you have your own fully comp insuranceyou need to be named. i dont think it was never brought to publics attention i only found this out through direct line when i asked about use of other cars

Read your policy as it should say that you are allowed to drive another car with the owners consent. That is pretty standard with comprehensive cover. Either way get a solicitor to advise you on not only that but the seat belt too.

See localzuk that is good advice.
Most insurances (YOURS) should have a clause saying " insured to drive any car not hired to him or belonging to him" third party only.

Get ye to the lawyer.

i take it you are in uk , you need to get a insurance for mum and dads car as you as a named driver

Speak to a lawyer! The internet is not going to help you with something this complex, as it gets down into the nitty gritty of your insurance cover contracts.