To think he should have checked how I am?

Hang on. Was the damage there or did you lie for him?

I thought if you had fully comp. that you were only insured third party if driving someone else's car??

I'm afraid I'd have been mad at you too OP. Did this friend of yours turn up at your house and suggest a trip to the beach, and if so, was he on foot, as if he came by car then why didn't you go in his car?

Also, how does your DH normally react to this 'friend', as lots of men wouldn't be happy about their wives going out in a car with another man, unless he happens to be a friend of both of you. I think we need more of a back story as to how you ended up going out with him in the first place.

If you’d posted that your husband had taken their car, let his female friend drive, who then turned out to be drunk and had an accident after driving dangerously you’d be solidly in LTB territory…

probably with a large slug of “they’re probably having an affair”

Absolute bullshit.

You want him to slow down then surely you want him to know you are calling the police. What do you have to gain by doing it stealth?

Why can’t you imagine that?

Mine does (RAC). It’s very normal. So does my sister’s.

All questions I'd like am answer to too - just can't picture it.
Also did you ask him to stop or slow down @PoloGirl? Before calling 999

I felt bad for you until I read this. This is inexcusable.

You put a car that you share with your husband at risk of a crash.

If your friend didn’t have insurance, who would have picked up the costs of repair? You or your DH?

Friend driving your car is just very odd. In my decades of driving I’ve never had a friend turn up and persuade me to let them drive my car anywhere. Not even to the beach for a dog walk.

In fact, if any friend of mine behaved that way I would probably assume they were drunk.

Thankfully no-one was hurt here but lesson learned for you. And your partner is understandably annoyed at your decision.

If I was your DP I would firstly be angry that you had got yourself into such a stupid situation, and secondly be angry that you are clearly lying about what happened.

I’m wondering how the friend came to be driving the car at all?
Did you pick him up OP or did he come to your house? How did he get there?
It all seems very odd and I too would be annoyed if I was your DP

To be honest, I'm wondering why the OP would fake the conversation with the call handler unless she was scared of the 'friend'.

Well, for starters, driving the car without the owner’s consent would be hard to prosecute as you were with him in the car. I’m not surprised criminal damage was dropped, as it would be difficult to prove he did it on purpose and especially if you said the damage was already there.

Blowing 57 would normally be dealt with immediately unless there are reasons not to but the circumstances sound very weird.

To a previous poster, the limit is 35 and 57 would usually attract a fine of half to whole net weekly income and a disqualification of 12- 18 months.

I’m trying to imagine how you’d fake a conversation with the emergency services that made him think you were talking to your daughter, and I can’t

...taking a car without consent...
Surely this won't stick either, as you gave him permission??
Is 57 high? I've no idea - but if it is, how did you not know?

I like to think I'm a reasonable and kind person, but I'm not sure I'd manage to be completely measured if DH had manages to get himself in this situation.

Also, I'm wondering what you've left out. Who was this friend at the beach, that you know well enough to have drive your car, but not well enough to know he's an irresponsible drinker, or to recognise when he's drunk?

You seem a little naive and stupid.

As it’s pending, and he blew 57, he will be charged with something. Probably going back and forth to see whether they can charge him with anything else.

Fully comp no longer means you can automatically drive another car - though you can specifically ask for it to be added.

should have seen his insurance cert before he drove your car tbh.

You do realise that only covers damage to a car that he hits? Not to your car?
That's what he told you? Did you check? Not all FC insurance has this extention

You know this is bullshit right?

With many polices there is no auto entitlement to drive any car with fully comp.

Maybe your DP is annoyed youve let someone drive the car after being told BS.

@Fruitbat99 check your policy - you may be reading it incorrectly. You are fully comp in your car, yes. In someone else’s car you are only 3rd party (unless yours is an unusual policy). So if you have a bump the other vehicle and passengers are covered but the one you drove is not. Basically unless yours can afford to replace the car you’re driving, don’t do it.

Even if I had done something really stupid I would still expect my dp to check that I was OP even if he was furious with me.

YABVVU
You took your “friends” word for it that he is insured to drive the car you own with your DP, apparently unaware that his insurance policy will only ever allow him to drive with 3rd party insurance.
You didn’t even check if your friend was capable of driving first, thus allowing yourself (and the car) to be put in danger.
You then added to the danger by calling the police while in the dangerously-driven car (he could have taken exception to that and it could have made him drive even more recklessly).
If my DP behaved with that level of jaw-dropping stupidity naivety I would be reconsidering my relationship with him, and very angry indeed.