AIbu to refuse lifts from uninsured driver?

[Toocautious]

Just found out that one of my son's classmate's mum, who occasionally gives him lifts, is driving without insurance. I've cancelled a lift to cubs this week, and explained why but get the feeling she thought I was being a bit precious. So WIBU or just sensible?

Most insurance companies will add an extra driver on temporarily for a reasonable cost- it cost my DH around £20 to get insured (fully comp) on my mum's car for 5 days while his was in for repairs, so a lot cheaper than getting a hire car or courtesy car.

If she's finding getting herself added to her h's insurance for that car they're either failing to look for the right insurance policy or she's got so many points on her licence she's uninsurable. Scenario one, they're the Mega Thick family. Scenario two, she's a crap driver. Scenario one is frankly unlikely, very very few people don't know that it's always worth checking several different companies for quotes. Scenario two is far more realistic.

'she complained to a mutual friend about the unaffordable cost of adding herself to her husband's insurance '

I think it's a massive leap to get from her moaning about the cost of insurance to summising that she hasn't got any!!

Even though, when confronted about it, she didn't deny it...?

But Narnia, the OP told the friend why she would not accept lifts, so the friend had plenty of opportunity to clarify.

Are the lifts in her own car or the husband's? Is it a much higher insurance class?

"she complained to a mutual friend about the unaffordable cost of adding herself to her husband's insurance"

As has already been stated, it doesn't necessarily mean she isn't insured. Everyone complains about the cost of car insurance. Other than asking her outright I don't suppose you will really know.

She DID tell the friend outright, Bunbaker,

I've cancelled a lift to cubs this week, and explained why but get the feeling she thought I was being a bit precious.

Oh right. I wasn't sure. In that case you did absolutely the right thing.

It doesn't usually cost much to add a normal driver to a policy. Unless someone is a new/young driver, or has shit loads of points. Presumably she isn't a new/young driver. so that leaves shit loads of points. Which makes her a bad driver.

I added DP to my policy and my premium went down! (He's got a longer driving history than I have).

Just to clarify, she definitely doesn't have insurance. I discovered today that the reason her quote was so high was due to having already been caught driving without insurance!

Blimey. If she's already got form for driving without insurance and is still doing it despite being caught and fined, then she obviously hasn't learnt her lesson .

I'd be much more inclined to report her to the police - they could easily say that they were just checking up on people who have previously been caught without insurance to make sure that they do now have it...

And if it was in the school car park where she would be driving at a known time and all the other parents could see so would know not to entrust their children to her to be driven then so much the better.

There are times when somebody's doing something wrong that it's ok to look the other way or hold back to give them a chance to rectify the problem themselves before jumping straight in to report them. But then there are times when they've already had their chance and sod it, the people that are having to live and drive alongside them are the ones that deserve to have that person stopped from being such a liability in their midst.

Report her to the police!

Toocautious its time you put a stop to this.

You might have protected your children, but what about the others she may be carrying?

She doesn't need to know you have reported her - it's easy for the police to do a 'random' check where she usually drives.

But if you look the other way until she kills someone through her illegal driving you will never forgive yourself. Certainly no-one on here will!

YANBU at all. I would speak to the police too.

Call 101 and report. She is driving illegally and putting her passangers and other road users at risk. OK, she might be the safest driver in the world, but if she is hit by another car that's being driven by a not so careful driver, it could take years to get any compensation for damages/injuries to the passengers.

And, if it helps salve your conscience a bit more, it's people like her who are driving up (no pun intended) the cost of insurance for those of us who are legal and above board.

Uninsured drivers are statistically more likely to have accidents. She's clearly a poor judge of what's right and wrong if she's got form for this. Continue to avoid and report anonymously via Crimestoppers.