Active discussions

Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

To be mildly shocked at DF only insuring one twin on car?

216 replies

Partyrocks · 10/04/2022 14:19

DF* has 18yo twin girls.

The both passed the driving test within a week of each other. And grandparents have bought a Car for them to share.

As insurance is so expensive, DF and her DH and the grandparents made a decision to just insure one daughter. With the thinking that if anything happened to the uninsured one it'll all be fine as they'll be able to pretend that they're the insured one.

The girls are going to same University and taking the car.

The girls are fully aware and a literal coin was tossed to decide which one would be It.

AIBU to think this is not on?

  • [Post edited by MNHQ. OP had originally typed DD, when she meant to type DF (dear friend)]
OP posts:
CustardySergeant · 10/04/2022 17:59

@Adam77

Sorry, what's DF?
The OP's friend.
TillyTopper · 10/04/2022 18:00

I think this is either a post to wind people up, or the mother of the twins you overheard talking is winding people up. I have identical twins myself (both 20) they learnt to drive and passed their test at the same time. It was actually that much more to insure both (as we found out when one passed then a few weeks later his brother passed).

Unsure33 · 10/04/2022 18:05

Just put one on as named driver ? It’s madness otherwise .

LakeIsle48 · 10/04/2022 18:08

Mildly shocked? Are you serious? I've heard it all now

jollygreenpea · 10/04/2022 18:18

@Adam77

Sorry, what's DF?
Dear, Dearest, Darling....

Father, Friend, Fiance....

Which ever applies to the post, and personnel preference to use

sorrynotathome · 10/04/2022 18:28

YABU for writing something as ridiculous as "anecdotalling"

R00K · 10/04/2022 18:34

@Sarkymarky

Imtryingveryhard It means that the insured person gave permission for the uninsured driver to use the vehicle in the full knowledge that the driver was not insured thus both committing an offence under s.143 .caused could mean the insured person told the uninsured driver that they were covered under the insured insurance when the insured person knew that the driver was not covered on that insurance. I was a Criminal Lawyer for many years and have seen several defendants in Court for allowing people to drive in the full knowledge that the insured knew the driver was not covered. I hope this helps to clarify the Law but believe me before I studied Law I would not have thought it was an offence
No it doesn't.
TheresNothingIWantMore · 10/04/2022 18:37

So the uninsured one can drive without having to worry about speed cameras as any tickets will have to go in the others name!

Sarkymarky · 10/04/2022 18:39

ROOK
Was does it mean

aibuainbu · 10/04/2022 18:39

This reply has been deleted

Message withdrawn - posted on wrong thread.

BattledoreAndShuttlecock · 10/04/2022 18:44

@TheresNothingIWantMore

So the uninsured one can drive without having to worry about speed cameras as any tickets will have to go in the others name!
I think if one of your twins was happy to commit crimes in the knowledge that her sister would have to take the blame then you'd have deeper problems than penalty points.
cardibach · 10/04/2022 18:49

@BurnDownTheDiscoHangTheDJ

I went to school with a pair of identical twins. They both did things as the other twin to work to everyone’s advantage including one sitting the others driving test and one sitting the others A Level Biology exam. Shocking, but they got away with it and are now both late 30s with no consequences having come back to bite them that I know of.
How did that work with the biology exam? In order to be able to do it, the twin would have to not be doing A level biology themselves. Why then would they have a better chance of passing than the one who had studied it? Don’t believe this I’m afraid.
Murdoch1949 · 10/04/2022 20:32

Blimey. If the unnamed twin has a serious accident, injures someone, gets prosecuted for dangerous driving, will named twin just take this on the chin, lose her licence, go to jail (dangerous driving & death). Totally illegal and immoral.

dumdumduuuummmmm · 10/04/2022 22:32

@Mummyoflittledragon

Please pay the extra. If the uninsured twin accidentally kills someone, it could ruin their life. They’d be millions in debt forever and go to prison for a very long time.
Are you in America? In the UK no one would be up for millions for accidentally killing someone
ClareBlue · 10/04/2022 22:57

Numerous examples of getting caught doing this
Google Luke Gallagher insurance fraud
You can add a charge of perverting the course of justice if they get caught which will end in prison even if it was only a mínor accident.

ClareBlue · 10/04/2022 23:00

They can if not insured. Payout for killing someone is usually 1 million plus if they have family. This is against you. Your insurance pay for you. No insurance it is all on you, that's what insurance is.

BeforeGodAndAllTheFish · 10/04/2022 23:28

[quote BeforeGodAndAllTheFish]@Octomore

They could have been in Scotland. I dont know about england, but in Scotland (if they're in their thirties) then they would have sat highers and advanced highers in 5th and 6th year.

You could take 5 highers in 5th year and then another 5 higher in 6th year, or 5 advance highers or a mix of advanced highers and highers. I did 5 highers in 5th year and 3 advanced highers plus 2 highers in 6th year.

If one twin did biology higher in 5th year and the other took biology higher in 6th year, then the original twin could sit their exam for them.[/quote]
@cardibach

I already gave an example of how the exam thing would work. Not everyone lives in England.

Changechangychange · 10/04/2022 23:40

@cardibach Maybe one was resitting a module that the other had already passed?

Back when A levels were modular, if you did badly in your AS paper you could retake it the following Christmas. Obviously twin who did well wouldn’t have needed to retake, so would be free to turn up in twin 2’s place.

SoupDragon · 11/04/2022 07:32

They could have been in Scotland

Does Scotland call them A Levels?

SoupDragon · 11/04/2022 07:33

(The simplest explanation is that it was a re-sit in the following exam session though)

Fulmine · 11/04/2022 09:59

@ClareBlue

They can if not insured. Payout for killing someone is usually 1 million plus if they have family. This is against you. Your insurance pay for you. No insurance it is all on you, that's what insurance is.
Being insured or not makes no difference. Unfortunately in the UK it is cheaper to kill someone than to injure them. Damages are basically bereavement loss currently limited to around £15,000, plus damages for loss of dependency IF others were dependent on them. If you kill, say, a young single adult, there will be no dependency damages.

If someone does have dependents, then damages for their death if they are part of a couple with no children will be 66% of the joint family income, less the income of the surviving partner,. For a couple with dependent children, damages for the death of one of them will be 75% of the joint family income, less the income of the surviving partner. Therefore again, if you cause the death of a SAHP with no income, then your damages will be limited to bereavement damages.

Octomore · 11/04/2022 10:57

Not everyone lives in England.

But if you are sitting A levels then you 're not sitting Scottish highers, are you? A levels are part of the English (also Welsh etc.) system)

CrimsonPermanentAssurance · 11/04/2022 11:08

You're very unlikely to end up liable for millions for killing someone in the UK, but a student who's giving a lift to her mates and has a crash which leaves one of her passengers with life changing injuries (brain damage or quadriplegia) can easily be liable for ten million pounds or more.

The twin's insurance company would pay the passenger, but could in theory sue the uninsured driver for the money they paid out and put them into bankruptcy. I'm not sure whether the average student would have enough assets to be worth any form of litigation though.

TheCatterall · 11/04/2022 11:16

So one twin will get all the issues with no insurance protection and also all the issues of increased insurance costs due to accidents that either twin has.

If stopped the police will expect ID on the spot. That’s not going to work.

Fulmine · 11/04/2022 12:01

Is this friend known for stupidity, OP?