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Yes but also just how I should react to the insurance company's demands. After all, I wasn't even in the country when this occurred.
Many thanks for this, Jo.
The actual wording in the insurers guidance notes is: We will not cover loss of, or damage to, your car if, at the time of the incident someone in your family for someone who is living with you was using it without your permission. (This exception does not apply if you report the person using your car to the police for taking your car without your permission)"
I presume this does not guarantee any payment, however, and if we cannot name the driver is there any point in trying to report the incident?
Great. Thank you Jo. May I just clarify: Assuming she was NOT driving it is your opinion that this incident is unlikely to result in Kristina being given a criminal record...
I bring this up again because she is currently applying for naturalisation after living here 10 years and so this is a critically important factor for her...
So I assume that "points and a fine" would be unlikely to have an effect on her naturalisation application or is it difficult to be sure?
Thank you for your help, Jo!
‘For Jo C’
Hello again Jo. One follow up question, if I may.
I have now reported this incident to the police as best I can. However the police asked an awkward question that I did not expect: basically, did I personally wish to bring charges against the driver. Of course, I was confused as I assumed the insurance company would do that, but I answered yes in my in ignorance. My question is: have I let the insurance company off the hook by doing this? Hopefully not!
Interesting!! Thank you Jo... Then I can stop worrying!