Omega Owners Forum

Chat Area => General Discussion Area => Topic started by: Danny on 05 July 2008, 17:39:01

Title: insurance, one for plod??
Post by: Danny on 05 July 2008, 17:39:01
my insurance policy allows me to drive other vehicles on a 3rd party basis, but do other vehicles have to be covered by their own policy??
Title: Re: insurance, one for plod??
Post by: psnimv6 on 05 July 2008, 17:43:13
i think that is the way it is i know it used to be you could drive anything but i know on my insurance the other car must be insured elsewhere :(
Title: Re: insurance, one for plod??
Post by: FRE07962128 on 05 July 2008, 17:44:09
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my insurance policy allows me to drive other vehicles on a 3rd party basis, but do other vehicles have to be covered by their own policy??

No, it is your insurance that covers that vehicles use, but as you rightly state at 3rd Party level only.
 :y
Title: Re: insurance, one for plod??
Post by: psychnurse on 05 July 2008, 17:49:30
My policy states that i will have 3rd party only if the other vehicle is registerd and insured in anothers name, with their permission.
Title: Re: insurance, one for plod??
Post by: kris9128 on 05 July 2008, 17:54:08
yes the other car does have to be insured and normally you have to be insured full comp. a lot of companies have now stopped this practice recently so please check with them, just cos it says you can on your policy doesnt mean they havent changed the rules.
Title: Re: insurance, one for plod??
Post by: FRE07962128 on 05 July 2008, 17:59:10
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My policy states that i will have 3rd party only if the other vehicle is registerd and insured in anothers name, with their permission.

Interesting.....my Policy through the AA does not stipulate that, and it is on the basis that it is not the car that is insured but you the individual.  That I know satisfies the Police, as of course you are not recorded as the policy holder for the car you have borrowed, but are covered by your own insurance which they either check when stopped or you provide later at a Police Station ;)
Title: Re: insurance, one for plod??
Post by: psychnurse on 05 July 2008, 18:02:12
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My policy states that i will have 3rd party only if the other vehicle is registerd and insured in anothers name, with their permission.

Interesting.....my Policy through the AA does not stipulate that, and it is on the basis that it is not the car that is insured but you the individual.  That I know satisfies the Police, as of course you are not recorded as the policy holder for the car you have borrowed, but are covered by your own insurance ;)




It strange isnt it how policies can be so different yet similar. How the law works is also quite mind boggling at times. I find the whole area of law facinating.... Just hope I get off for that 85  ::) :-[
Title: Re: insurance, one for plod??
Post by: psnimv6 on 05 July 2008, 18:02:52
i think the reson that it was stoped was to stop young lads buying a very cheap car to insure and then buying a hard to insure car and if stoped just say that the car belongs to someone else  :y
Title: Re: insurance, one for plod??
Post by: kris9128 on 05 July 2008, 18:02:53
i've never understood the rules about this because technically the car is covered by 2 insurance policies wich is not allowed, who's policy would you claim on. leaves the way wide open for a bit of insurance fraud. claiming for 1 accident on 2 policies. but have looked into this as i am using a friends car aswell as mine and his car has to be insured as well as me being fully comp.
Title: Re: insurance, one for plod??
Post by: FRE07962128 on 05 July 2008, 18:04:20
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Quote
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My policy states that i will have 3rd party only if the other vehicle is registerd and insured in anothers name, with their permission.

Interesting.....my Policy through the AA does not stipulate that, and it is on the basis that it is not the car that is insured but you the individual.  That I know satisfies the Police, as of course you are not recorded as the policy holder for the car you have borrowed, but are covered by your own insurance ;)




It strange isnt it how policies can be so different yet similar. How the law works is also quite mind boggling at times. I find the whole area of law facinating.... Just hope I get off for that 85  ::) :-[

Yes and that is why the law is often so baffling that you need to bring the lawyers in! ;D ;)
Title: Re: insurance, one for plod??
Post by: Danny on 05 July 2008, 18:12:40
well going off your replies, taking into account the "not allowed 2 policies on one vehicle" it leads me to believe that if my own policy covers me for OTHER vehicles, then basically it means my own policy covers me on my car, but my policy covers ONLY me personally on another car, but the other car needs its own policy to allow it on a public road although the borrowed car's policy would probably not be involved if i needed to make a claim for me driving it
Title: Re: insurance, one for plod??
Post by: sir moanalot on 05 July 2008, 18:21:27
after watching road wars etc recently there was a chav who was not insured arguing with a copper that he had a mate insured to drive his car home- but the copper said he could not because the owner did not have it insured. may be of help??
Title: Re: insurance, one for plod??
Post by: JonArgraig on 05 July 2008, 18:29:54
3rd party only cover on another persons car threw your insurance works like this

The car must be insured by some one else already, This is to stop people doing as said before, having 2 cars and insuring only one

Also some insurnace companys also state that the car must NOT be subject to a HP agreement, This is to comabt GAP insurance fraud.

Title: Re: insurance, one for plod??
Post by: Danny on 05 July 2008, 19:40:55
that'll do for me, cheers :D

but then, if i'm even slightly unsure where laws are concerned, i never take the risk
Title: Re: insurance, one for plod??
Post by: Tony H on 05 July 2008, 20:09:45
Yep just to confirm the car has to be insured in its own right for you to drive it legally.
Title: Re: insurance, one for plod??
Post by: Jimbob on 05 July 2008, 20:28:38
Last time I checked a few years ago...

Rang Direct line.

They didnt care if the car was insured or not, just that I had permission and that I didnt own it.  They did say as soon as I walk away from it its a grey area as it 'could' cause some damage to other property.

I kept a note in the car while I was using it to that effect.

I believe different insurers have different rules, so ring yours and check.

Other way is www.dayinsure.com if you just need some short term cover.
Title: Re: insurance, one for plod??
Post by: tunnie on 05 July 2008, 20:40:50
wish my policy covered me, to drive other cars with 3rd party insurance, i have to wait another year  >:(
Title: Re: insurance, one for plod??
Post by: psnimv6 on 05 July 2008, 20:44:59
another thing that affects whether or not you are covered is your job, if you work in the motor trade or a hgv driver my insurance will not cover you in anybody elses car whether or not it has any insurance just to add to the confusion :(
Title: Re: insurance, one for plod??
Post by: amigov6 on 05 July 2008, 22:20:45
Most replies are correct. Simply put if i lend you my car i have to be insured for your basic third party ins to be valid, if my ins has lapsed, yours won't cover you at all.  :)
Title: Re: insurance, one for plod??
Post by: albitz on 05 July 2008, 22:24:56
yep,the car you are driving needs to be insured already. :y
Title: Re: insurance, one for plod??
Post by: jereboam on 06 July 2008, 00:10:06
Of course the car has to be insured - if it isn't, then it can't be taxed, so it can't be on the road.

My policy says nothing about the car being insured, though.  I'm covered to drive any car not belonging to me or hired to me.  

As you all must be aware, the policy on a car usually names the permitted drivers (unless it's an "any driver" policy, usually only taken out by companies).  

So, if I'm named on that policy, it doesn't matter what my car policy says, I'm covered by the policy for the car I'm driving.  If I'm not named, then I'm covered 3rd party (i.e. Road Traffic Act cover) by my own policy.  If the policy for the car has lapsed, I have cover under my policy, but that's only while I am driving it.  Presumably, if I park it on the public road, I am (or possibly the registered keeper is) committing an offence because it is an uninsured vehicle.

I think I have confused myself... :-/ :-/ :-/
Title: Re: insurance, one for plod??
Post by: Darth Loo-knee on 06 July 2008, 00:14:42
Yes pretty sure the other car needs to have insurance on it even if your insurance says you can drive anyone elses car with there permission..
Title: Re: insurance, one for plod??
Post by: FRE07962128 on 06 July 2008, 11:22:06
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My policy states that i will have 3rd party only if the other vehicle is registerd and insured in anothers name, with their permission.

Interesting.....my Policy through the AA does not stipulate that, and it is on the basis that it is not the car that is insured but you the individual.  That I know satisfies the Police, as of course you are not recorded as the policy holder for the car you have borrowed, but are covered by your own insurance which they either check when stopped or you provide later at a Police Station ;)


Sorry Danny but I was wrong on this!  :-[ :-[ :-[ :-[ :-[ :-[

Although my Policy Documents don't demand the other vehicle has to be insured I have just checked with the AA and they confirm that the other vehicle DOES have to be insured.  As Jereboam mentions if the car is not insured it cannot be taxed and shouldn't be on the road anyway!!  Makes perfect sense now! :-[ :-[  ;)
Title: Re: insurance, one for plod??
Post by: TheBoy on 06 July 2008, 11:33:35
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my insurance policy allows me to drive other vehicles on a 3rd party basis, but do other vehicles have to be covered by their own policy??
Its been covered before.

The car is insured whilst you are in the drivers seat (and assuming you don't own it).  If you leave the drivers seat, the car becomes uninsured.


Now seeing as PC Plod following you knows straight away the car is uninsured, he will stop you and probably ask you to get out for a chat in the back of the jam sandwich.......
Title: Re: insurance, one for plod??
Post by: Jimbob on 06 July 2008, 18:46:04
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Of course the car has to be insured - if it isn't, then it can't be taxed, so it can't be on the road.

My policy says nothing about the car being insured, though.  I'm covered to drive any car not belonging to me or hired to me.  

As you all must be aware, the policy on a car usually names the permitted drivers (unless it's an "any driver" policy, usually only taken out by companies).  

So, if I'm named on that policy, it doesn't matter what my car policy says, I'm covered by the policy for the car I'm driving.  If I'm not named, then I'm covered 3rd party (i.e. Road Traffic Act cover) by my own policy.  If the policy for the car has lapsed, I have cover under my policy, but that's only while I am driving it.  Presumably, if I park it on the public road, I am (or possibly the registered keeper is) committing an offence because it is an uninsured vehicle.

I think I have confused myself... :-/ :-/ :-/


It can be taxed and uninsured!
Once you have bought the tax, insurance can lapse, or be transferred to another car, but the tax is still valid.
Title: Re: insurance, one for plod??
Post by: hotel21 on 06 July 2008, 19:37:45
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Quote
my insurance policy allows me to drive other vehicles on a 3rd party basis, but do other vehicles have to be covered by their own policy??
Its been covered before.

The car is insured whilst you are in the drivers seat (and assuming you don't own it).  If you leave the drivers seat, the car becomes uninsured.

Now seeing as PC Plod following you knows straight away the car is uninsured, he will stop you and probably ask you to get out for a chat in the back of the jam sandwich.......

Exactly.   :y

When the driver who has a DOC (driving other cars) extension on his policy is stopped, they instantly become uninsured as soon as they get out.  The car is in his possession quite legally, not stolen, and is thus eligible to be reported.  Additionally, 99.9% of the companies I have spoken to direct (thats the underwriters themselves, not a computer jockey in a call centre) say that the DOC extension is only valid if the vehicle has insurance in its own right.

What is more, the actual owner will also be reported for no insurance on the 'cause or permit' side of things and subject to the same fine/points etc.

The DOC extension was originally intended for another driver to get a vehicle and owner home if the owner of the vehicle takes ill when out and about, not to allow persons carte blanche to drive a Ferarri on Fiesta insurance.....