About 18 months ago I was stopped by the Police driving my friends work truck. I was fully authorised to be using it (he was sitting next to me as we were sharing the driving on a long trip) but it turned out that, due to a cock up in the estate office, the MOT had expired. I, as the driver, was given a £60 fixed penalty fine but no points. The estate reimbursed me.
I contacted my insurance company who said that, as it was a minor offence with no points, they were not interested and there were no implications for my own insurance.
I am also a named driver on my girlfriends car and her father is concerned that I may not be covered. Obviously we will have to contact them but in the meantime does anyone have any experience in this area? I like to have a bit of a heads up before I pick the phone up.