FML

[mellow yellow]

insurance wont pay out full stop. taking him to court sounds like your option.

If it was stolen, they will.

it wasnt stolen, he used the keys!

just like if someone breaks into your house and steals your car keys and takes your car its not covered.

So someone taking your car without permission isn't stealing. That's a new one on me.

you learn something new everyday bud 

i work in insurance, trust me, they will not pay out.
check your policy, it is your duty to take precautions that your keys cannot be stolen and used to take your vehicle.

[dom]

insurance wont pay out full stop. taking him to court sounds like your option.

If it was stolen, they will.

it wasnt stolen, he used the keys!

just like if someone breaks into your house and steals your car keys and takes your car its not covered.

So someone taking your car without permission isn't stealing. That's a new one on me.

you learn something new everyday bud 

i work in insurance, trust me, they will not pay out.
check your policy, it is your duty to take precautions that your keys cannot be stolen and used to take your vehicle.

Mine states that it is my responsibility to take reasonable precautions to make the keys safe, I would assume that would mean don't leave the keys in the car or anywhere obvious near the car. To me if the keys are on my person or close by in a house whilst I am in then I would argue that they are safe.

Either way the op should go to the police, his mate will be charged with TWOC and he can take him to court to claim for damages. He doesn't sound like someone I'd want to have as a mate tbh

[robz]

Shop him mate!
Because as said you could end up in trouble without blame really!
Because by law you are responsible for your car, unfair in your case bud but don't take the rap by protecting him, he was stupid enough, now he needs to grown pair and stand up!

[tigerj360]

Look the police caught him in the act he has been charged and statements were taken. He has pleaded guilty to all charges this was in no way my fault to all the people calling me a liar.

I just wanted some advise on where I stand and what I can do about all this.

I'm not going through insurance as I can't afford to make a claim and loose my NCB

[Mikester]

Someone taking you car without your permission to take someone home isnt theft/stealing. FACT. As they intended to give it back. Therefor by definition isnt theft.

It is however "taking without owners consent" which is also an offence otherwise known as TWOC. Thom has said this.

Its not a "legal minefield".

Your friend has TWOC'd your car and crashed it.

Call the police.

[Wazzzer]

I couldn't stay mates with someone who had TWOC'd my car and written it off.

[Ant1981]

I'm not going through insurance as I can't afford to make a claim and loose my NCB

So your insurance premium costs more than the car? 

You can afford to lose a car but not a small increase in premium?

[Ant1981]

Someone taking you car without your permission to take someone home isnt theft/stealing. FACT. As they intended to give it back. Therefor by definition isnt theft.

It is however "taking without owners consent" which is also an offence otherwise known as TWOC. Thom has said this.

Sorry, I don't see the difference between the definitions of 'taking a car without permission' and 'taking a car without owners consent'.

The acts both look the same to me. But I'm not an expert.

[tigerj360]

My insurance is silly as I'm 20 and have a claim already hence it being a higher value than the car.

In regards to scraping the car how much should i be getting? and is it worth taking the cat off and stripping for metals?

Jon

[mcgee9t2]

What damage is done to.the car? Split the car to get some more cash?

Scrap you wold proberbly only get a few hundred