Anyway, I was driving my partner's car - BMW 120D. Being fully comp on the EP3, I'm insured on any other car 3rd party. He flashed his lights, I pulled over. He asked to speak to me in his own car.
Asked me my name and asked for my documents - license & insurance certificate. Gave him my name and told him I didn't carry them documents with me. He told me it was an offence to not carry your driving license & insurance certificate. Is this true?
He then asked me for some ID. All I had was my bank card and he said that was unacceptable.
He then did a person check on me, my insurance, a check on the BMW and a check on my EP3. As my brother is the registered keeper on the EP3 but I'm the one who's full comp on it, he said that my insurance doesn't cover me 3rd party on other vehicles. Again, is this true?
He also added that when using this benefit, the car you are driving has to be similar to the car you are insured on. Asked him what he meant by this, he said 'a 2.0 petrol hatchback'. Again, is this true?
In the end, he let us on our way but said that my partner had to drive as I wasn't insured. He said I'd be going to court for failing to have the necessary documents when asked by him. Is this really an offence?
Guy was a complete bell-end.
Any help would be appreciated!
Want - Cosmic or NHB Premier..