Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: stuart30 on 20 March 2009, 20:09:35
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Well this should be interesting......
I need too collect a Honda Accord and take it directly too a MOT station for a pre-booked MOT.
The car in question is taxed but NOT insured.
I have fully comp insurance and have the entitlement too drive any car that is not hired or owned by myself.
Whats peoples thoughts on how the law stands on this....i believe i know the answer but thought it would be interesting on peoples thoughts.
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Well this should be interesting......
I need too collect a Honda Accord and take it directly too a MOT station for a pre-booked MOT.
The car in question is taxed but NOT insured.
I have fully comp insurance and have the entitlement too drive any car that is not hired or owned by myself.
Whats peoples thoughts on how the law stands on this....i believe i know the answer but thought it would be interesting on peoples thoughts.
As long as that is in writing on your insurance certificate, and the car is most definitely not owned by you, then you will be fine!
If in doubt, just go to http://www.dayinsure.com and just take out the relevant short-term policy.
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I have been given the answer in the past that you CAN drive it legally, providing YOU DONT own it and DO have the owners permission.
I had that from direct line about 6 - 7 years ago.
Other people since have had a flat NO, it MUST be insured by someone for you to drive it.
The only proviso was, the second I wasnt in it, it wasnt insured, so I would be liable, say the handbrake failed and it rolled off and did some damage.
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Trailer it! Or get a friendly garage to move it on Trade Plates .... you know it makes sense!
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i think the car you are going to drive has to be insured buy another insurance company / or person? :-/
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Check with your insurer... Normal practice is that the vehicle needs to be insured
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Agree with above, give your insurer a bell and get THEIR definitive answer, as there does seem to be ambiguity around this.
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day insurance
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Damn jimbob you just too good..... ;D
Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO and that's from traffic feds.
However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.
Day insurance would be a definite normally....however totally 100% skint. :(
Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?
Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0. ::)
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Be prepared to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured. Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing ::)
The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.
I had a simiular situation not so long ago -- spoke to my insurers to ask how much it would cost to insure the "second" car temporarily. They asked how long I wanted it covered for. I told them that a few hours would do it. So she says we will cover you free of charge, but the minimum cover period is a day ... midnight to midnight. Cover note arrived a few days later .. and all was sweetness and light !!!!
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ive got a similar problem but i own the car ive got to get tested, its my old rover diesel, ive been told that i can only drive it if i dont own it but the guy wont buy it until its tested, i cant get hold of trade plates so im going to have to get a friend to drive it as long as his insurance says its o,k to drive a non insured motor :D as an ANPR is going to show it up as having nothing on it i certainly dont want to take a chance.
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Be prepaered to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured. Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing ::)
The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.
Yeah its certainly a grey area...however if they did stop and asked me too leave the vechile wouldn't they then be making me break the law knowing that by asking me too exit the car (which i wouldn't).
Not an ideal situation but needs must in this case...that's why i phoned insurance company too make double sure.
Good point Holy count....might ask them if they can cover it for 1 day....however id then have too buy it. ;)
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i think the car you are going to drive has to be insured buy another insurance company / or person? :-/
Yep, I think you're right. Pretty sure the car has to be insured by someone. The Third Party only covers the bare minimum. No theft or fire.
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Be prepared to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured. Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing ::)
The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.
I had a simiular situation not so long ago -- spoke to my insurers to ask how much it would cost to insure the "second" car temporarily. They asked how long I wanted it covered for. I told them that a few hours would do it. So she says we will cover you free of charge, but the minimum cover period is a day ... midnight to midnight. Cover note arrived a few days later .. and all was sweetness and light !!!!
They get you one way or annother.
Get the Garage to pick it up for the MOT
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Damn jimbob you just too good..... ;D
Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO and that's from traffic feds.
However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.
Day insurance would be a definite normally....however totally 100% skint. :(
Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?
Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0. ::)
Lol
My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.
I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.
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Be prepared to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured. Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing ::)
The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.
I had a simiular situation not so long ago -- spoke to my insurers to ask how much it would cost to insure the "second" car temporarily. They asked how long I wanted it covered for. I told them that a few hours would do it. So she says we will cover you free of charge, but the minimum cover period is a day ... midnight to midnight. Cover note arrived a few days later .. and all was sweetness and light !!!!
I have done that before, usually connected to a change over period.. :y
Oh, and to drive another car on your policy the other car MUST be insured, just date the paperwork for the following day, though this rather depends on the seller ;) ;)
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Damn jimbob you just too good..... ;D
Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO and that's from traffic feds.
However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.
Day insurance would be a definite normally....however totally 100% skint. :(
Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?
Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0. ::)
Lol
My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.
I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.
Bloody shame im not mega rich as i believe you dont TECHINICLY have too have insurance....just the available means too pay out for any claim.
Skuntie garage wouldnt do that...he only charges me mates rates and there flat out with work.
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Be prepared to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured. Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing ::)
The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.
I had a simiular situation not so long ago -- spoke to my insurers to ask how much it would cost to insure the "second" car temporarily. They asked how long I wanted it covered for. I told them that a few hours would do it. So she says we will cover you free of charge, but the minimum cover period is a day ... midnight to midnight. Cover note arrived a few days later .. and all was sweetness and light !!!!
I have done that before, usually connected to a change over period.. :y
Oh, and to drive another car on your policy the other car MUST be insured, just date the paperwork for the following day, though this rather depends on the seller ;) ;)
Not according too my insurance comapny... :y
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Damn jimbob you just too good..... ;D
Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO and that's from traffic feds.
However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.
Day insurance would be a definite normally....however totally 100% skint. :(
Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?
Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0. ::)
Lol
My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.
I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.
Bloody shame im not mega rich as i believe you dont TECHINICLY have too have insurance....just the available means too pay out for any claim.
Skuntie garage wouldnt do that...he only charges me mates rates and there flat out with work.
I remember that, had to lodge £500,000 with DVLA as goodwill gesture, then no insurance needed ;D
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Damn jimbob you just too good..... ;D
Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO and that's from traffic feds.
However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.
Day insurance would be a definite normally....however totally 100% skint. :(
Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?
Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0. ::)
Lol
My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.
I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.
Bloody shame im not mega rich as i believe you dont TECHINICLY have too have insurance....just the available means too pay out for any claim.
Skuntie garage wouldnt do that...he only charges me mates rates and there flat out with work.
I remember that, had to lodge £500,000 with DVLA as goodwill gesture, then no insurance needed ;D
Isnt it the Royal mail and Police who dont use what we would call insurance....could explain why the postie drives like a kamikazee.
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Damn jimbob you just too good..... ;D
Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO and that's from traffic feds.
However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.
Day insurance would be a definite normally....however totally 100% skint. :(
Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?
Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0. ::)
Lol
My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.
I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.
Bloody shame im not mega rich as i believe you dont TECHINICLY have too have insurance....just the available means too pay out for any claim.
Skuntie garage wouldnt do that...he only charges me mates rates and there flat out with work.
I remember that, had to lodge £500,000 with DVLA as goodwill gesture, then no insurance needed ;D
Isnt it the Royal mail and Police who dont use what we would call insurance....could explain why the postie drives like a kamikazee.
And the forces, they do not MOT or Tax, don't even show an exempt tax disc. :) :)
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"Government" or "Crown" organisations cover their own risk -- ie they are their own insurers.
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Mate of mine reckons recovery vehicles are tax exempt as well. Certainly not sure on that one.
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Mate of mine reckons recovery vehicles are tax exempt as well. Certainly not sure on that one.
Some are, some are not, and some that are not, should be...is tha clear enough.... ;D ;D ;D
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bus companies self insure too - had a big Buick convertible years ago and a bus hit it - took ages to get them to pay out because they were their own insurers and wanted to hold onto their money.
By the way I do recall that for the third party cover to work the vehicle MUST be insured by the owner - don't rely on call centre staff to get it right - my other half is a team leader who has to sort out the problems the people on the phones cause by making sweeping statements
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Despite what you may or may not have been told by a call centre operator, in order for you to be insured by the DOC - driving other cars - insurance extension from your policy, the other vehicle must be insured on its own account.
The DOC was introduced so as to allow another driver in 'the vehicle' to take over drivers responsibilities if the vehicle owner fell ill and incapable of driving. Misuse of this option is now being enthousiastically policed and prosecutions are many, as are stated cases in Court.....
As others have said, the DOC only applies if you are in the drivers seat. If you tep out the vehicle then, surely, its no concern of yours if the vehicle is uninsured, gets towed away and crushed? Its not as though its yours, is it? ::)
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Despite what you may or may not have been told by a call centre operator, in order for you to be insured by the DOC - driving other cars - insurance extension from your policy, the other vehicle must be insured on its own account.
The DOC was introduced so as to allow another driver in 'the vehicle' to take over drivers responsibilities if the vehicle owner fell ill and incapable of driving. Misuse of this option is now being enthousiastically policed and prosecutions are many, as are stated cases in Court.....
As others have said, the DOC only applies if you are in the drivers seat. If you tep out the vehicle then, surely, its no concern of yours if the vehicle is uninsured, gets towed away and crushed? Its not as though its yours, is it? ::)
So in a nutshell what ive been told by my insurance company is incorrect then..?
No not my car Hotel....favour for a friend coz im all sweet and nice like that...My wife was going too be given it but pointless without an mot as it could be a right lemon,once thats been done we will know if we will buy it off her mate :y
Not doubting you Hotel but thought id give the copper shop a quick call and blow me they said its fine... :o
They went on too say alot of naughty people who drive uninsured when there cars taken away after a stop quite often a friend or relative can claim the car and take it away as there insured.
Like i said in an earlier post it sounds like theres a lot of confusion on what is the law regards this.
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Hotel is 100% right. I was looking to insure car I was going to buy so checked around for a temporary insurance companies - these charge like £25-40 a day!!!
My next point was my insurer. I have called Direct line and told that I have an insurance with them and want to insure another car for few days. No problem! I got myself a 2 week insurance for less than £20!! Yes, voluntary excess is more than £500, but same is with any temporary insurance, so give them a call and ask.
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Well this should be interesting......
I need too collect a Honda Accord and take it directly too a MOT station for a pre-booked MOT.
The car in question is taxed but NOT insured.
I have fully comp insurance and have the entitlement too drive any car that is not hired or owned by myself.
Whats peoples thoughts on how the law stands on this....i believe i know the answer but thought it would be interesting on peoples thoughts.
Pretty sure the car needs to be insured for your insurance to cover you to drive it mate :y
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Hotel is 100% right. I was looking to insure car I was going to buy so checked around for a temporary insurance companies - these charge like £25-40 a day!!!
My next point was my insurer. I have called Direct line and told that I have an insurance with them and want to insure another car for few days. No problem! I got myself a 2 week insurance for less than £20!! Yes, voluntary excess is more than £500, but same is with any temporary insurance, so give them a call and ask.
I was going to do something like this for the York Meet, borrowing my Dad's camper, talking to him the other day he said his insurance was due early April, so he is going to see how much it would be to add me to his policy, I told him it would be cheaper as his insurance company would be grateful he was driving it less...... ;D ;D ;D well he is 71
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
So really joe public cant be expected too abide by a law if the police and insurance company both say yes its fine your allowed too drive it... :o
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
It's always been like that to stop you having one policy and a few cars, albeit more difficult to do nowadays with computers, but in the old days, well I knew loads of people who did it..... :)
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Thats how driving other cars work......
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but instead of asking a desk jockey stuck up an orrifice, ask the chap in the wig in the big chair. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
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If you buy a car for example,your Third party entitlement will only cover you if the previous owner still has a valid policy on it....if not then you will drive it home un-insured,which is 9 points and a heavy fine.
If you drive it on your own insurance and it doesnt have a policy on it it will flash up on a ANPR system as no valid insurance...
Your local Police station should know better to be honest mate
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Is there such a thing? ::) ;D ;D ;D
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If you buy a car for example,yout Third party entitlement will only cover you if the previous owner still has a valid policy on it....if not then you will drive it home un-insured,which is 9 points and a heavy fine.
If you drive it on your own insurance and it doesnt have a policy on it it will flash up on a ANPR system as no valid insurance...
Your local Police station should know bwtter to be honest mate
Yeah we discussed that...apparently having a copy of Insurance on you is a must,as long as it states ""drive any other car with owners consent"" your coverd.
Point being its not OWNED by me....big difference.
Ive no idea what the actuall law states....just simply repeating what them that SHOULD know have told me.
Shame ive forgot the web addy of the police forum...was discussed in depth on there...including by a serving mag.
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
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Irrespective of whats read/spoken about elsewhere, put it this way....
Try the DOC thing without the car having insurance in its own right round my neck of the woods and you will get nicked, convicted, fined and disqualified.... Many a case in this Sheriffdom (yep, we have Sheriffs up here...) to prove....
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
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Stuart im 99% sure mate that the vehicle must carry a valid policy..
If i come to your house,i can take your Mig for a run because it is road legal i.e Tax,MOT & insurance.My insurance will cover me to drive it Third party only,however if your policy expired say the day before my insurance wont cover me to drive it.
It is in the policy book,you know the booklet that nobody reads! ;D
And that is exactly how they would wriggle out of it and leave you high and dry
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Irrespective of whats read/spoken about elsewhere, put it this way....
Try the DOC thing without the car having insurance in its own right round my neck of the woods and you will get nicked, convicted, fined and disqualified.... Many a case in this Sheriffdom (yep, we have Sheriffs up here...) to prove....
But isnt there subtle differences in English and scottiish laws.
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Irrespective of whats read/spoken about elsewhere, put it this way....
Try the DOC thing without the car having insurance in its own right round my neck of the woods and you will get nicked, convicted, fined and disqualified.... Many a case in this Sheriffdom (yep, we have Sheriffs up here...) to prove....
Big Hairy Sheriffs with skirts on ;D :P ,
Got pulled up years ago coming back from Edinburgh, I thought the Big Buggar was gonna kill me :o ;D
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
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Irrespective of whats read/spoken about elsewhere, put it this way....
Try the DOC thing without the car having insurance in its own right round my neck of the woods and you will get nicked, convicted, fined and disqualified.... Many a case in this Sheriffdom (yep, we have Sheriffs up here...) to prove....
But isnt there subtle differences in English and scottiish laws.
Not for Road traffic. Same legislation....
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Stuart im 99% sure mate that the vehicle must carry a valid policy..
If i come to your house,i can take your Mig for a run because it is road legal i.e Tax,MOT & insurance.My insurance will cover me to drive it Third party only,however if your policy expired say the day before my insurance wont cover me to drive it.
It is in the policy book,you know the booklet that nobody reads! ;D
And that is exactly how they would wriggle out of it and leave you high and dry
Nope already looked...hence phoning insurance.
States as ive previously said several times.....""3rd paty only with owners permission ect ect"".
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Irrespective of whats read/spoken about elsewhere, put it this way....
Try the DOC thing without the car having insurance in its own right round my neck of the woods and you will get nicked, convicted, fined and disqualified.... Many a case in this Sheriffdom (yep, we have Sheriffs up here...) to prove....
But isnt there subtle differences in English and scottiish laws.
Not for Road traffic. Same legislation....
Superb..... :)
Remeber from a previous forum discussions on the differences between scotland and england....couldnt remeber if traffic or general.
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Irrespective of whats read/spoken about elsewhere, put it this way....
Try the DOC thing without the car having insurance in its own right round my neck of the woods and you will get nicked, convicted, fined and disqualified.... Many a case in this Sheriffdom (yep, we have Sheriffs up here...) to prove....
But isnt there subtle differences in English and scottiish laws.
Seriously mate, If The Highlander says you shouldn't do it, you shouldn't. He has been a Copper for years and probably nicked a tonne of folk doing the same. Go for it, but at your own risk..
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Just a thought, why ask a question and then tell everyone they are wrong just cos they don't agree with you........... ::)
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Well unless it has changed mate,
But the reason it was like that was because people were buying a Mini then insuring it and using this Third party entitlement to run about in all sorts,thats how the boy racers of the 80's managed to run about in the RS Turbo's etc etc....
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Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
Good idea...already done that with insurance and police.
Its not an issuse regards driving it now...if its risky i"ll wait for day insurance,what bothers me more is the fact it sounds like people (insurance and police) have given out incorrect information....like i said before if they dont know who the hell would.
And before you say a JP you cant really get a hold of one too ask now can you. ;D
-
Well unless it has changed mate,
But the reason it was like that was because people were buying a mini then insuring it and using this Third party entitlement to run about in all sorts,thats how the boy racers of the 80's managed to run about in the RS Turbo's etc etc....
Exactly....... :y
-
Just a thought, why ask a question and then tell everyone they are wrong just cos they don't agree with you........... ::)
You must have missed this and the other several times ive said it bothers me that it sounds like misinformation has been given.
Oh from last page.....""Ive no idea what the actuall law states....just simply repeating what them that SHOULD know have told me.""
This same subject was discussed on a police forum....both traffic and non traffic argued amongst themselves what the actual law states and the meaning....so its not as black and white as it seems.
-
Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
Good idea...already done that with insurance and police.
Its not an issuse regards driving it now...if its risky i"ll wait for day insurance,what bothers me more is the fact it sounds like people (insurance and police) have given out incorrect information....like i said before if they dont know who the hell would.
And before you say a JP you cant really get a hold of one too ask now can you. ;D
Thats like adding apples and pears and reaching a total in oranges!
A JP is a 'lay' person who is respected in the local community, not by default a legal person, as it were. They are guided by the Clerks of the Court as to what is correct and proper. I'm talking Sheriffs/Magistrates for reference, not folks who fill the gaps...
Lots of stated cases. Research Wilkinsons and similar and see what comes up.
http://www.sweetandmaxwell.co.uk/Catalogue/ProductDetails.aspx?recordid=2341&productid=200573
Had enough, time for beddy byes.... ;)
-
Yeah i agree that the insurance company should know,sometimes this can be the downfall if your insurance is through a broker... however im surprised your local Police didn't advise you correctly....however having said that its probably not something that is asked of them that regular,but they should have checked
(ive just noticed im now a senior!!!! :y :y)
-
Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
Good idea...already done that with insurance and police.
Its not an issuse regards driving it now...if its risky i"ll wait for day insurance,what bothers me more is the fact it sounds like people (insurance and police) have given out incorrect information....like i said before if they dont know who the hell would.
And before you say a JP you cant really get a hold of one too ask now can you. ;D
Thats like adding apples and pears and reaching a total in oranges!
A JP is a 'lay' person who is respected in the local community, not by default a legal person, as it were. They are guided by the Clerks of the Court as to what is correct and proper. I'm talking Sheriffs/Magistrates for reference, not folks who fill the gaps...
Lots of stated cases. Research Wilkinsons and similar and see what comes up.
http://www.sweetandmaxwell.co.uk/Catalogue/ProductDetails.aspx?recordid=2341&productid=200573
Had enough, time for beddy byes.... ;)
Thanks for your input Hotel.....im sure your right as far as the law goes.
Goes without saying if your are then i will be making the relevant people aware they are giving the wrong information out.
Must be better too ask and ask and ask than just take there word as gospel id have thought.
-
Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
Good idea...already done that with insurance and police.
Its not an issuse regards driving it now...if its risky i"ll wait for day insurance,what bothers me more is the fact it sounds like people (insurance and police) have given out incorrect information....like i said before if they dont know who the hell would.
And before you say a JP you cant really get a hold of one too ask now can you. ;D
Thats like adding apples and pears and reaching a total in oranges!
A JP is a 'lay' person who is respected in the local community, not by default a legal person, as it were. They are guided by the Clerks of the Court as to what is correct and proper. I'm talking Sheriffs/Magistrates for reference, not folks who fill the gaps...
Lots of stated cases. Research Wilkinsons and similar and see what comes up.
http://www.sweetandmaxwell.co.uk/Catalogue/ProductDetails.aspx?recordid=2341&productid=200573
Had enough, time for beddy byes.... ;)
Thanks for your input Hotel.....im sure your right as far as the law goes.
Goes without saying if your are then i will be making the relevant people aware they are giving the wrong information out.
Must be better too ask and ask and ask than just take there word as gospel id have thought.
Just try to avoid becoming a pain in the arse in the process....... ;)
-
Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
Good idea...already done that with insurance and police.
Its not an issuse regards driving it now...if its risky i"ll wait for day insurance,what bothers me more is the fact it sounds like people (insurance and police) have given out incorrect information....like i said before if they dont know who the hell would.
And before you say a JP you cant really get a hold of one too ask now can you. ;D
Thats like adding apples and pears and reaching a total in oranges!
A JP is a 'lay' person who is respected in the local community, not by default a legal person, as it were. They are guided by the Clerks of the Court as to what is correct and proper. I'm talking Sheriffs/Magistrates for reference, not folks who fill the gaps...
Lots of stated cases. Research Wilkinsons and similar and see what comes up.
http://www.sweetandmaxwell.co.uk/Catalogue/ProductDetails.aspx?recordid=2341&productid=200573
Had enough, time for beddy byes.... ;)
Thanks for your input Hotel.....im sure your right as far as the law goes.
Goes without saying if your are then i will be making the relevant people aware they are giving the wrong information out.
Must be better too ask and ask and ask than just take there word as gospel id have thought.
Just try to avoid becoming a pain in the arse in the process....... ;)
Dont follow you. :-?
-
Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
Good idea...already done that with insurance and police.
Its not an issuse regards driving it now...if its risky i"ll wait for day insurance,what bothers me more is the fact it sounds like people (insurance and police) have given out incorrect information....like i said before if they dont know who the hell would.
And before you say a JP you cant really get a hold of one too ask now can you. ;D
Thats like adding apples and pears and reaching a total in oranges!
A JP is a 'lay' person who is respected in the local community, not by default a legal person, as it were. They are guided by the Clerks of the Court as to what is correct and proper. I'm talking Sheriffs/Magistrates for reference, not folks who fill the gaps...
Lots of stated cases. Research Wilkinsons and similar and see what comes up.
http://www.sweetandmaxwell.co.uk/Catalogue/ProductDetails.aspx?recordid=2341&productid=200573
Had enough, time for beddy byes.... ;)
Thanks for your input Hotel.....im sure your right as far as the law goes.
Goes without saying if your are then i will be making the relevant people aware they are giving the wrong information out.
Must be better too ask and ask and ask than just take there word as gospel id have thought.
Just try to avoid becoming a pain in the arse in the process....... ;)
Dont follow you. :-?
We do.... ::) ::) ::)
-
Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
Good idea...already done that with insurance and police.
Its not an issuse regards driving it now...if its risky i"ll wait for day insurance,what bothers me more is the fact it sounds like people (insurance and police) have given out incorrect information....like i said before if they dont know who the hell would.
And before you say a JP you cant really get a hold of one too ask now can you. ;D
Thats like adding apples and pears and reaching a total in oranges!
A JP is a 'lay' person who is respected in the local community, not by default a legal person, as it were. They are guided by the Clerks of the Court as to what is correct and proper. I'm talking Sheriffs/Magistrates for reference, not folks who fill the gaps...
Lots of stated cases. Research Wilkinsons and similar and see what comes up.
http://www.sweetandmaxwell.co.uk/Catalogue/ProductDetails.aspx?recordid=2341&productid=200573
Had enough, time for beddy byes.... ;)
Thanks for your input Hotel.....im sure your right as far as the law goes.
Goes without saying if your are then i will be making the relevant people aware they are giving the wrong information out.
Must be better too ask and ask and ask than just take there word as gospel id have thought.
Just try to avoid becoming a pain in the arse in the process....... ;)
Dont follow you. :-?
We do.... ::) ::) ::)
Well enlighten me. ;)
So far ive had...3 police officers (yes got collor numbers) and an insurance agent tell me one thing and Hotel say the opposite....any wonder im trying too simply establish who"s right.
-
Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
Good idea...already done that with insurance and police.
Its not an issuse regards driving it now...if its risky i"ll wait for day insurance,what bothers me more is the fact it sounds like people (insurance and police) have given out incorrect information....like i said before if they dont know who the hell would.
And before you say a JP you cant really get a hold of one too ask now can you. ;D
Thats like adding apples and pears and reaching a total in oranges!
A JP is a 'lay' person who is respected in the local community, not by default a legal person, as it were. They are guided by the Clerks of the Court as to what is correct and proper. I'm talking Sheriffs/Magistrates for reference, not folks who fill the gaps...
Lots of stated cases. Research Wilkinsons and similar and see what comes up.
http://www.sweetandmaxwell.co.uk/Catalogue/ProductDetails.aspx?recordid=2341&productid=200573
Had enough, time for beddy byes.... ;)
Thanks for your input Hotel.....im sure your right as far as the law goes.
Goes without saying if your are then i will be making the relevant people aware they are giving the wrong information out.
Must be better too ask and ask and ask than just take there word as gospel id have thought.
Just try to avoid becoming a pain in the arse in the process....... ;)
Dont follow you. :-?
We do.... ::) ::) ::)
Well enlighten me. ;)
So far ive had...3 police officers (yes got collor numbers) and an insurance agent tell me one thing and Hotel say the opposite....any wonder im trying too simply establish who"s right.
Then it is time to make an 'informed' decision based on the information that you have.......
:)
-
Yip,car needs to have valid insurance on it before your Third party entitlement is valid
Id like too see where the law states that as previous post...both insurance and local; cop shop disagree.
No offence intended, but ask the chap in the wig in the big chair rather than a desk jockey stuck up an orrifice. Its his (or her) opinion that really counts. Worked fine for me for the past years work..... ;)
Well being a policeman i did expect you too know if anyone would.
My point is really that if you phone up the police and ask them what the law is and then phone up your insurance company and they agree with the police how the hell would you know your commiting an offense.
Not everyone will have access too a friendly copper will they.
Actually thats a point...the copper made the point that when uninsured drivers get there car taken away its often friends or family who collect the car using there insurance....so hows that work then. :D
Use it and have a crash and a claim. See who pays out and who ends up in court (and dept upto and beyond their ring paying out megadosh for a new wheelchair user) - or worse....
Too late my old son already am. ;D
The point im trying too make Hotel is ive spoken too both Police and insurance company if neither know the law then how the hell can the police expect a driver too know whats the legal and what isnt.
Speak to an underwriter at your insurance company, not a drone on a phone. They will give a de facto answer. If it agrees with your version, ensure call is recorded and note time/date/name. You will need it....
Good idea...already done that with insurance and police.
Its not an issuse regards driving it now...if its risky i"ll wait for day insurance,what bothers me more is the fact it sounds like people (insurance and police) have given out incorrect information....like i said before if they dont know who the hell would.
And before you say a JP you cant really get a hold of one too ask now can you. ;D
Thats like adding apples and pears and reaching a total in oranges!
A JP is a 'lay' person who is respected in the local community, not by default a legal person, as it were. They are guided by the Clerks of the Court as to what is correct and proper. I'm talking Sheriffs/Magistrates for reference, not folks who fill the gaps...
Lots of stated cases. Research Wilkinsons and similar and see what comes up.
http://www.sweetandmaxwell.co.uk/Catalogue/ProductDetails.aspx?recordid=2341&productid=200573
Had enough, time for beddy byes.... ;)
Thanks for your input Hotel.....im sure your right as far as the law goes.
Goes without saying if your are then i will be making the relevant people aware they are giving the wrong information out.
Must be better too ask and ask and ask than just take there word as gospel id have thought.
Just try to avoid becoming a pain in the arse in the process....... ;)
Dont follow you. :-?
We do.... ::) ::) ::)
Well enlighten me. ;)
So far ive had...3 police officers (yes got collor numbers) and an insurance agent tell me one thing and Hotel say the opposite....any wonder im trying too simply establish who"s right.
Then it is time to make an 'informed' decision based on the information that you have.......
:)
Oh decision was made as soon as Hotel said your not insured...ive got a clean license and intend too keep it that way.
As previously stated im simply trying too find concrete evidence stating what is actually law and not peoples understanding of it as if there giving out the wrong information that could potentially ruin someone life don't you feel they need educating. :-?
It must be written somewhere other wise it couldn't be enforced.
-
Oh decision was made as soon as Hotel said your not insured...ive got a clean license and intend too keep it that way.
As previously stated im simply trying too find concrete evidence stating what is actually law and not peoples understanding of it as if there giving out the wrong information that could potentially ruin someone life don't you feel they need educating. Huh
It must be written somewhere other wise it couldn't be enforced.
Regardless of what you find out within the forum, it's up to you as an individual to make you are driving within the instructions of your insurance. The reason I say this is as they are the masters of small print. and as mentioned, even if you think you are insured, it could be argued against you if the police see fit as the car my be covered one way (inc insurance) but hasnt the owner of the car got to be the person booking it in for the test in the case of no MOT.
-
Well would you believe it....i was right all along. ;D
See it pays too keep checking....thanks all the for the replies,case closed... ;D
-
oops didnt read to the end before i posted :-[
So comment withdrawn!
-
Well after searching and searching the net i finaly found what i was looking for....confirmed by serving traffic officers.
Yes its not advised...however it is perfectly legal too drive a car that isnt owned by yourself or hired (pretty standard) too you thats NOT insured.
Cant explain why so wont even bother trying...however when driving another car (assuming your insurance allows this) its the person who becomes insured,not the car.
So yeah in a nutshell.....i was right.
Now dont be shy with the apologizes boys and girls.. ;D
Despite it being legal....i decieded that i will wait and get day insurance sorted.
-
So your saying then, that I could buy a car from you, that you no longer had insured and drive it home with my own insurance?
-
Not all policies specify the registration of a specific car.
-
So your saying then, that I could buy a car from you, that you no longer had insured and drive it home with my own insurance?
no cause then it would be your car but if pete was to buy it you would be insured to drive it as its not your car if what stuart says is correct
i know it was as i used to get swmbo to buy the car register in her name and drive it home on my policy
had an accident a couple of years ago with this exact enviroment
and insurance company and police were fine as the car was covered for third party risks by my main policy
-
So your saying then, that I could buy a car from you, that you no longer had insured and drive it home with my own insurance?
Short answer yes.
Long answer yes but you must meet certain criteria.....such as making sure your coverd for any car,having insurance documents on you at all times in case your stopped and remeber that your insured not the car....so as soon as your out of the car its no longer coverd.
Its not advised....however perfectly legal.
-
Still think I would stick with what Broocie said, he has been a copper for more years than you could shake a stick at.
Don't think its worth the risk
-
So your saying then, that I could buy a car from you, that you no longer had insured and drive it home with my own insurance?
no cause then it would be your car but if pete was to buy it you would be insured to drive it as its not your car if what stuart says is correct
i know it was as i used to get swmbo to buy the car register in her name and drive it home on my policy
had an accident a couple of years ago with this exact enviroment
and insurance company and police were fine as the car was covered for third party risks by my main policy
Yes should have made that clear...that he would have too buy it on someone elses behalf.
Even some traffic officers are not aware of the law (now thats kinda worrying) so expect too have too prove your coverd.
-
Still think I would stick with what Broocie said, he has been a copper for more years than you could shake a stick at.
Don't think its worth the risk
Yep and he doesnt fully understand the law he was talking about. :y
Oh and im happy too prove what i say is true. ;)
Theres no risk...just possible ear ache from a Traffic officer stopping you who doesnt know the law he is meant too be enforcing. :o
-
Still be a days insurance for me don't think your right at all.
-
Still be a days insurance for me don't think your right at all.
;D ;D ;D ;D Im not going too try and convince you other wise.
Day insuarance is without question a great thing...the point of this thread was too establish the facts of law.
Which i have now done....believe or not belive makes no odds. :y
-
Well I don't believe.
-
So it's back to the old days, buy and insure a cheap Mini fully comp and use the insurance to drive you Hummer, that just happens to be registered in your brothers name, think not. :)
-
So it's back to the old days, buy and insure a cheap Mini fully comp and use the insurance to drive you Hummer, that just happens to be registered in your brothers name, think not. :)
Did you read the requirments Vamps.....or just assume.
Loo Knee....i admire your blind faith... ;D ;D
-
Think I will get my Nanna to buy a Porshe :y
-
Hey just had a thought....shall we do a money where ya mouth is.
Lets say ummm £20 if im right. :y
-
Hey just had a thought....shall we do a money where ya mouth is.
Lets say ummm £20 if im right. :y
Or six month locked up with Big Winston...
I don't give a toss if you get locked up or what you do, still disbelieve you
-
Hey just had a thought....shall we do a money where ya mouth is.
Lets say ummm £20 if im right. :y
Or six month locked up with Big Winston...
I don't give a toss if you get locked up or what you do, still disbelieve you
;D ;D ;D ;D You have no knowledge on the subject yet still feel you know more... ;D ;D ;D ;D
It never fails too amaze just how far some people try too poke there tongue up a moderators bum.... ;D ;D ;D ;D ;D
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So it's back to the old days, buy and insure a cheap Mini fully comp and use the insurance to drive you Hummer, that just happens to be registered in your brothers name, think not. :)
Did you read the requirments Vamps.....or just assume.
Loo Knee....i admire your blind faith... ;D ;D
Read what you said, have I missed something??
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Hey just had a thought....shall we do a money where ya mouth is.
Lets say ummm £20 if im right. :y
Or six month locked up with Big Winston...
I don't give a toss if you get locked up or what you do, still disbelieve you
;D ;D ;D ;D You have no knowledge on the subject yet still feel you know more... ;D ;D ;D ;D
It never fails too amaze just how far some people try too poke there tongue up a moderators bum.... ;D ;D ;D ;D ;D
Moderator or not I would sooner kiss his arse than your face ;D ;D ;D
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So it's back to the old days, buy and insure a cheap Mini fully comp and use the insurance to drive you Hummer, that just happens to be registered in your brothers name, think not. :)
Did you read the requirments Vamps.....or just assume.
Loo Knee....i admire your blind faith... ;D ;D
Read what you said, have I missed something??
Looks that way Vamps....you missed as loo knee has the whole point of this thread.
Ive done my homework...if folks wish too blindly accept information thats incorrect then good for them. :y
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The only sure way to prove this disscusion is to say when you are going to use the car what route you use i can phone the cops and see what the result is ,definant answer to thread.Had a guy on senny forum on about a spray on number plate stuff so speed cams could not detect .offered same option around cannock if it works okay if not loose licence in 5 mins
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The only sure way to prove this disscusion is to say when you are going to use the car what route you use i can phone the cops and see what the result is ,definant answer to thread.Had a guy on senny forum on about a spray on number plate stuff so speed cams could not detect .offered same option around cannock if it works okay if not loose licence in 5 mins
No need...i can link too the relevant law mate. ;)
And could provide collar numbers for the officers who uphold the law who have also stated the law is as ive stated.
Too be honest it really makes no odds too me what others believe....im just happy i took the time too investigate before making an assumption. :)
Id suggest others took the time too investigate it....and then they might feel as smug as i do. ;D
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See how smug you are when you get a fine and a visit to Big Winston ;D
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Okay stuart sorry .in the end it's upto
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missed the (you) off
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Stewart, have you got a link to this legislation?
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As he hell as like
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Stewart, have you got a link to this legislation?
I have Vamps...as everyone would have if they spent five minutes looking like i had too.
People will believe what they wish....no concern too me. ;)
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As he hell as like
Right ok...loo knee knows best as he has spent time looking up the relevant law.
Oh no sorry becuase Hotel told him so MUST be true... ;D ;D ;D ;D ::)
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As he hell as like
Right ok...loo knee knows best as he has spent time looking up the relevant law.
Oh no sorry becuase Hotel told him so MUST be true... ;D ;D ;D ;D ::)
Thats right on both accounts ;)
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Stewart, have you got a link to this legislation?
I have Vamps...as everyone would have if they spent five minutes looking like i had too.
People will believe what they wish....no concern too me. ;)
Care to share, I have been known to be wrong.
Or have you posted it and I have missed it, it's not the one you pm'd me
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Stewart, have you got a link to this legislation?
I have Vamps...as everyone would have if they spent five minutes looking like i had too.
People will believe what they wish....no concern too me. ;)
Care to share, I have been known to be wrong.
Or have you posted it and I have missed it, it's not the one you pm'd me
No its not Vamps...although thats what spurred me onto look futher into it.
Have a look around and if you cant find it i"ll post you a link tomorrow night.
Unless Hotel wishs too post a link dissproving what ive said..... :y
Loo knee i admire your beliefs....any chance of borrowing your blinkers. ;D
Im away too sleep now....heres a open challenge too everyone....find the relevant law that dispproves what ive said.... ;)
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Stewart, have you got a link to this legislation?
I have Vamps...as everyone would have if they spent five minutes looking like i had too.
People will believe what they wish....no concern too me. ;)
Care to share, I have been known to be wrong.
Or have you posted it and I have missed it, it's not the one you pm'd me
No its not Vamps...although thats what spurred me onto look futher into it.
Have a look around and if you cant find it i"ll post you a link tomorrow night.
Unless Hotel wishs too post a link dissproving what ive said..... :y
Loo knee i admire your beliefs....any chance of borrowing your blinkers. ;D
Im away too sleep now....heres a open challenge too everyone....find the relevant law that dispproves what ive said.... ;)
Think you will find you are asleep dream boy ;D
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come on Guy's what do they say now let it go
Group Hug Group Hug
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Stewart, have you got a link to this legislation?
I have Vamps...as everyone would have if they spent five minutes looking like i had too.
People will believe what they wish....no concern too me. ;)
Care to share, I have been known to be wrong.
Or have you posted it and I have missed it, it's not the one you pm'd me
No its not Vamps...although thats what spurred me onto look futher into it.
Have a look around and if you cant find it i"ll post you a link tomorrow night.
Unless Hotel wishs too post a link dissproving what ive said..... :y
Loo knee i admire your beliefs....any chance of borrowing your blinkers. ;D
Im away too sleep now....heres a open challenge too everyone....find the relevant law that dispproves what ive said.... ;)
Think you will find you are asleep dream boy ;D
Care too put money on that....your so postive Hotel is right stick £50 up in favour of him and i"ll do the same.
Money in the bank my old son..... ;)
Night Night... 8-)
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Dolly Daydreamer is the one, telling how much more knowledgeable he is than an Experianced Policeman.
Then when asked to show his link with his find he can't whats that tell ya ;D
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come on Guy's what do they say now let it go
Group Hug Group Hug
[/highlight]
:o :o :o PLEASE do not use that phrase when Loo-Knee is about, you may live to regret it....... ;D ;D ;D First a Hug, then come to my house and I will show you my spares............... :-X :-X :-X
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Stewart, have you got a link to this legislation?
I have Vamps...as everyone would have if they spent five minutes looking like i had too.
People will believe what they wish....no concern too me. ;)
Care to share, I have been known to be wrong.
Or have you posted it and I have missed it, it's not the one you pm'd me
No its not Vamps...although thats what spurred me onto look futher into it.
Have a look around and if you cant find it i"ll post you a link tomorrow night.
Unless Hotel wishs too post a link dissproving what ive said..... :y
Loo knee i admire your beliefs....any chance of borrowing your blinkers. ;D
Im away too sleep now....heres a open challenge too everyone....find the relevant law that dispproves what ive said.... ;)
Think you will find you are asleep dream boy ;D
Care too put money on that....your so postive Hotel is right stick £50 up in favour of him and i"ll do the same.
Money in the bank my old son..... ;)
Night Night... 8-)
Think I would stick my money on Mr.Hotel21 everytime Dolly ;D
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Stewart, have you got a link to this legislation?
I have Vamps...as everyone would have if they spent five minutes looking like i had too.
People will believe what they wish....no concern too me. ;)
Care to share, I have been known to be wrong.
Or have you posted it and I have missed it, it's not the one you pm'd me
No its not Vamps...although thats what spurred me onto look futher into it.
Have a look around and if you cant find it i"ll post you a link tomorrow night.
Unless Hotel wishs too post a link dissproving what ive said..... :y
Loo knee i admire your beliefs....any chance of borrowing your blinkers. ;D
Im away too sleep now....heres a open challenge too everyone....find the relevant law that dispproves what ive said.... ;)
Think you will find you are asleep dream boy ;D
Care too put money on that....your so postive Hotel is right stick £50 up in favour of him and i"ll do the same.
Money in the bank my old son..... ;)
Night Night... 8-)
Think I would stick my money on Mr.Hotel21 everytime Dolly ;D
If your so confident get Hotel too show you the relevant law....oh and does that mean you accept my bet.
Right i really must go too sleep...im not paid too sit here all night. ;D
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Don't know if this article is of any help in settling this argument. Maybe.:
http://www.honestjohn.co.uk/faq/faq.htm?id=74
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Stewart, have you got a link to this legislation?
I have Vamps...as everyone would have if they spent five minutes looking like i had too.
People will believe what they wish....no concern too me. ;)
Care to share, I have been known to be wrong.
Or have you posted it and I have missed it, it's not the one you pm'd me
No its not Vamps...although thats what spurred me onto look futher into it.
Have a look around and if you cant find it i"ll post you a link tomorrow night.
Unless Hotel wishs too post a link dissproving what ive said..... :y
Loo knee i admire your beliefs....any chance of borrowing your blinkers. ;D
Im away too sleep now....heres a open challenge too everyone....find the relevant law that dispproves what ive said.... ;)
Think you will find you are asleep dream boy ;D
Care too put money on that....your so postive Hotel is right stick £50 up in favour of him and i"ll do the same.
Money in the bank my old son..... ;)
Night Night... 8-)
Think I would stick my money on Mr.Hotel21 everytime Dolly ;D
If your so confident get Hotel too show you the relevant law....oh and does that mean you accept my bet.
Right i really must go too sleep...im not paid too sit here all night. ;D
I wish you would go sleep cause your boring the life out of me now ;D
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I was advised by my Insurer that yes I can drive any other car as long as is a private vehicle and registered in someone elses name, and it was for emergency use only, as stated in many insurance policy books, I then asked what if the other car isn't insured by the owner of the vehicle, they then advised -
"Well, if its not road legal for the owner to drive, it should not be on the road anyway and therefore why you need to drive it in emergency other transport should be arranged!"
- meaning that it should only be on the road if it's insured by the owner in their own right, and you should only need drive it in a emergency situation while it's on the road
And that's from well known insurer.
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Hi vamps
a bit heated in there maybe i may see your spares one day shall have to build my strength up Group hug we should all be friends (is that not the right wording) :)
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I was advised by my Insurer that yes I can drive any other car as long as is a private vehicle and registered in someone elses name, and it was for emergency use only, as stated in many insurance policy books, I then asked what if the other car isn't insured by the owner of the vehicle, they then advised -
"Well, if it not road legal for the owner to drive, it should not be on the road anyway and therefore why you need to drive it in emergency other transport should be arranged!"
- meaning that it should only be on the road if it's insured by the owner in their own right, and you should only need drive it it a emergency situation while it's on the road.
And that's from well know insurer.
That's what I understand........ :y
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Hi vamps
a bit heated in there maybe i may see your spares one day shall have to build my strength up Group hug we should all be friends (is that not the right wording) :)
PM sent
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Stuart30 - To answer your original query - is it legal for me to drive this car?
You are quite correct, the DOC extension insures the driver, not the vehicle.
As said, you are not the vehicle owner and so you dont care if its insured or not (perhaps the Ins Co will, best check) so long as your backside is in the drivers seat.
As soon as you get out, its uninsured and the owner (not you) can and does get nicked for using a vehicle without insurance or security on a public road.
How did it get there? You drove it... Thus valid for you to be charged with causing or permitting the offence and thus just as liable as the owner for no insurance and reported accordingly...
As said, contact your insurer and in particular, the underwriters, as it is they who sign off the claim in case of an accident, not a lass in a call centre.
legislation references:-
Road Traffic Act 1988 sections...
143 Users of motor vehicles to be insured or secured against third-party risks (1) Subject to the provisions of this Part of this Act—
(a) a person must not use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and
(b) a person must not cause or permit any other person to use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act.
(2) If a person acts in contravention of subsection (1) above he is guilty of an offence.
(3) A person charged with using a motor vehicle in contravention of this section shall not be convicted if he proves—
(a) that the vehicle did not belong to him and was not in his possession under a contract of hiring or of loan,
(b) that he was using the vehicle in the course of his employment, and
(c) that he neither knew nor had reason to believe that there was not in force in relation to the vehicle such a policy of insurance or security as is mentioned in subsection (1) above.
(4) This Part of this Act does not apply to invalid carriages.
144 Exceptions from requirement of third-party insurance or security (1) Section 143 of this Act does not apply to a vehicle owned by a person who has deposited and keeps deposited with the Accountant General of the Supreme Court the sum of £15,000, at a time when the vehicle is being driven under the owner’s control.
(2) Section 143 does not apply—
(a) to a vehicle owned—
(i) by the council of a county or county district in England and Wales, the Common Council of the City of London, the council of a London borough, the Inner London Education Authority, or a joint authority (other than a police authority) established by Part IV of the [1985 c. 51.] Local Government Act 1985,
(ii) by a regional, islands or district council in Scotland, or
(iii) by a joint board or committee in England or Wales, or joint committee in Scotland, which is so constituted as to include among its members representatives of any such council,
at a time when the vehicle is being driven under the owner’s control,
(b) to a vehicle owned by a police authority or the Receiver for the Metropolitan Police district, at a time when it is being driven under the owner’s control, or to a vehicle at a time when it is being driven for police purposes by or under the direction of a constable, or by a person employed by a police authority, or employed by the Receiver, or
(c) to a vehicle at a time when it is being driven on a journey to or from any place undertaken for salvage purposes pursuant to Part IX of the [1894 c. 60.] Merchant Shipping Act 1894,
(d) to the use of a vehicle for the purpose of its being provided in pursuance of a direction under section 166(2)(b) of the [1955 c. 18.] Army Act 1955 or under the corresponding provision of the [1955 c. 19.] Air Force Act 1955,
(e) to a vehicle which is made available by the Secretary of State to any person, body or local authority in pursuance of section 23 or 26 of the [1977 c. 49.] National Health Service Act 1977 at a time when it is being used in accordance with the terms on which it is so made available,
(f) to a vehicle which is made available by the Secretary of State to any local authority, education authority or voluntary organisation in Scotland in pursuance of section 15 or 16 of the [1978 c. 29.] National Health Service (Scotland) Act 1978 at a time when it is being used in accordance with the terms on which it is so made available.
145 Requirements in respect of policies of insurance (1) In order to comply with the requirements of this Part of this Act, a policy of insurance must satisfy the following conditions.
(2) The policy must be issued by an authorised insurer.
(3) Subject to subsection (4) below, the policy—
(a) must insure such person, persons or classes of persons as may be specified in the policy in respect of any liability which may be incurred by him or them in respect of the death of or bodily injury to any person or damage to property caused by, or arising out of, the use of the vehicle on a road in Great Britain, and
(b) must insure him or them in respect of any liability which may be incurred by him or them in respect of the use of the vehicle and of any trailer, whether or not coupled, in the territory other than Great Britain and Gibraltar of each of the member States of the Communities according to the law on compulsory insurance against civil liability in respect of the use of vehicles of the State where the liability may be incurred, and
(c) must also insure him or them in respect of any liability which may be incurred by him or them under the provisions of this Part of this Act relating to payment for emergency treatment.
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:y :y :y :y :y :y
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I hope you did not type all that in.... :)
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I hope you did not type all that in.... :)
Typed up from memory alone I'm sure :y! :y
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I fell foul of the law and got 6 points many moons ago, if you are driving a car that doesnt belong to/hired to you undera hp agreement etc, the car has to be insured for you to get 3rd party only insurance :y
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Be prepared to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured. Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing ::)
The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.
I had a simiular situation not so long ago -- spoke to my insurers to ask how much it would cost to insure the "second" car temporarily. They asked how long I wanted it covered for. I told them that a few hours would do it. So she says we will cover you free of charge, but the minimum cover period is a day ... midnight to midnight. Cover note arrived a few days later .. and all was sweetness and light !!!!
They get you one way or annother.
Get the a Garage to pick it up for the MOT
[/highlight]
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TBH we could all do round in circles here for evermore ..... having read all that has been said on thhe subject, at the end of the day it's up to the driver to assess the risk and either drive or not.
If he makes it without interference -- all well and good and the question of whether or not it was a legao journey remains.
If he gets stopped, the story will unfold and could go either way, depending on the interpretation placed on the situation by the relevant Officer and, possibly, CPS and Courts.
Everyone is seeking to find or provide a black and white response -- truth is, this is British Law. There IS no black and white interpretation!
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I have been watching this thread with great interest.
Many people have touched on the real legal answer, but I appreciate Hotel21 knows his business and, having personally known a senior Traffic Officer for many years myself and recognise they, beyond any other police officer, understands traffic law backwards, you would be an absolute fool to ignore Hotel's professional advice!!!! 8-) 8-) 8-) 8-) 8-) ;)
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why do people listen to admin
i spoke to a police man that is now very friendly with me after the last bit of trouble i had with him
anyway i spoke to him about this only an hour ago
he told me that as not as a police officer as a friend to not risk his job giving loop holes
that if stuart30 is fully comp he will be covered to drive another veichle but will only be covered third party
i told him that the car had road tax but mot had just run out
he said no problem, have the car booked in at a local garage for an mot
if it passes even better if i fails then no worrys just drive it straight home and nowhere else
that was from a patrol office
so go ahead stuart pick the car up but get it booked into a garage first
speak to your insurance company just to let them know what your doing
failing that a day insurance will do the trick
but you being fully comp you should be fine
best thing to do mate is get a back box for the honda and change the back box there and book an mot and drive straight to the garage for the mot
that honda should pass easy its been well looked after :y
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[size=10]why do people listen to admin[/size]
i spoke to a police man that is now very friendly with me after the last bit of trouble i had with him
anyway i spoke to him about this only an hour ago
he told me that as not as a police officer as a friend to not risk his job giving loop holes
that if stuart30 is fully comp he will be covered to drive another veichle but will only be covered third party
i told him that the car had road tax but mot had just run out
he said no problem, have the car booked in at a local garage for an mot
if it passes even better if i fails then no worrys just drive it straight home and nowhere else
that was from a patrol office
so go ahead stuart pick the car up but get it booked into a garage first
speak to your insurance company just to let them know what your doing
failing that a day insurance will do the trick
but you being fully comp you should be fine
best thing to do mate is get a back box for the honda and change the back box there and book an mot and drive straight to the garage for the mot
that honda should pass easy its been well looked after :y
Nick - Please re-read the thread. :y
No one forces you to listen to admins, its a (relatively) free country.... ;D
Your new buddy of a few weeks standing is not giving away any 'secrets' that have not already been discussed nor are already available in t'interweb.
Having fully comp insurance does not automatically give the DOC extension. I have contacted many an insurance company at the roadside when dealing with a 'fully comp' driver who was under the misapprehension that they were automatically covered for DOC to learn that they were not covered and were reported accordingly.
Both my kids have their own fully comp policies and they do not have the DOC part on their policy (it hacks them off as they cannot drive my 3.2) and thus why Stuart30 is advised to confirm (in writing, preferably) from an underwriter - not a call centre operator - that he does have such cover. And that they are happy to cover the risk on said DOC vehicle that has no current insurance in its own right.
Reason for that is, if there is no insurance for the vehicle elsewhere then they, as the DOC insurance providers, carry the whole risk and not a share of it in the event of a claim. Removing the DOC extension is the one main way that insurance companies can reduce their risk and thus reduce their premium to you.
The DOC insures the driver, not the vehicle. However, the vehicle owner is liable to be reported for no insurance if the vehicle ends up on a public road and uninsured. Likewise, the driver (who has the DOC cover) could be reported for causing or permitting the no insurance offence by the owner as it was the driver who put it on the public road.
Ultimately, its the Court system who decide the ins and outs of legislation. If you want a definative answer then consult a legal professional at the cost of several hundred quid an hour who will argue the toss on your behalf in the Court, otherwise, just keep this thread alive with supposition, conjecture and guesswork.
I'm out of here.... :y
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......
Both my kids have their own fully comp policies and they do not have the DOC part on their policy (it hacks them off as they cannot drive my 3.2).....
Same as my lad's fully comp ins (when he still had his licence :-X) ..... he wouldn't have been allowed to drive my car he if he had DOC on his policy. ;) ;) ;)
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i have fully comp on my insurance and ive checked it up and have been told that i am fully aloud to drive ann's car although i will only be covered as third party
i have added the car to my insurance as ive noticed a chip in her windsceen and i will get it fixed on my insurance
ann has t.p.f.t insurance by the way
i'm fully comp on my mig which was costing me £450 ive added her car to my insurance which has put it up only extra £100 which i'm happy with
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[size=10]why do people listen to admin[/size]
i spoke to a police man that is now very friendly with me after the last bit of trouble i had with him
anyway i spoke to him about this only an hour ago
he told me that as not as a police officer as a friend to not risk his job giving loop holes
that if stuart30 is fully comp he will be covered to drive another veichle but will only be covered third party
i told him that the car had road tax but mot had just run out
he said no problem, have the car booked in at a local garage for an mot
if it passes even better if i fails then no worrys just drive it straight home and nowhere else
that was from a patrol office
so go ahead stuart pick the car up but get it booked into a garage first
speak to your insurance company just to let them know what your doing
failing that a day insurance will do the trick
but you being fully comp you should be fine
best thing to do mate is get a back box for the honda and change the back box there and book an mot and drive straight to the garage for the mot
that honda should pass easy its been well looked after :y
Nick - Please re-read the thread. :y
No one forces you to listen to admins, its a (relatively) free country.... ;D
Your new buddy of a few weeks standing is not giving away any 'secrets' that have not already been discussed nor are already available in t'interweb.
Having fully comp insurance does not automatically give the DOC extension. I have contacted many an insurance company at the roadside when dealing with a 'fully comp' driver who was under the misapprehension that they were automatically covered for DOC to learn that they were not covered and were reported accordingly.
Both my kids have their own fully comp policies and they do not have the DOC part on their policy (it hacks them off as they cannot drive my 3.2) and thus why Stuart30 is advised to confirm (in writing, preferably) from an underwriter - not a call centre operator - that he does have such cover. And that they are happy to cover the risk on said DOC vehicle that has no current insurance in its own right.
Reason for that is, if there is no insurance for the vehicle elsewhere then they, as the DOC insurance providers, carry the whole risk and not a share of it in the event of a claim. Removing the DOC extension is the one main way that insurance companies can reduce their risk and thus reduce their premium to you.
The DOC insures the driver, not the vehicle. However, the vehicle owner is liable to be reported for no insurance if the vehicle ends up on a public road and uninsured. Likewise, the driver (who has the DOC cover) could be reported for causing or permitting the no insurance offence by the owner as it was the driver who put it on the public road.
Ultimately, its the Court system who decide the ins and outs of legislation. If you want a definative answer then consult a legal professional at the cost of several hundred quid an hour who will argue the toss on your behalf in the Court, otherwise, just keep this thread alive with supposition, conjecture and guesswork.
I'm out of here.... :y
not a new buddy ;D
i'm friendly with all mate just having a real bad day
and a quick read of the thread and others it seems what is said by admins everyone follows and its not always the case of what admin says
hope you can understand what i mean hotel21
i'm not sideing with anyone never have done and never will
when i spoke to the police they told me to get around the no mot thing is to book it for a mot
if the car has no tax then there is no other way round it without trade plates or to have it towed/collected
i think to solve any arguments that are about to arise from this
if stuart30 was to say right just get rac/aa to collect the car
and end it all there with no more arguments
as with the amount of people on this forum an argument can go for days as everyone will stand there own ground
so ill pull out of this before it gets worse
i'm stating what i was told by police
in my books if he collects the car the first people he will be more likely to get done by first will be the police
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Stuart30 - To answer your original query - is it legal for me to drive this car?
You are quite correct, the DOC extension insures the driver, not the vehicle.
As said, you are not the vehicle owner and so you dont care if its insured or not (perhaps the Ins Co will, best check) so long as your backside is in the drivers seat.
As soon as you get out, its uninsured and the owner (not you) can and does get nicked for using a vehicle without insurance or security on a public road.
How did it get there? You drove it... Thus valid for you to be charged with causing or permitting the offence and thus just as liable as the owner for no insurance and reported accordingly...
Regards my original post Hotel i said its going too an MOT testing station for its MOT which is pre-booked.
No reason too leave the car until its on garage premises.
So i was right all along....unfortunately it seems the brown nosers haven't took the time too look for themselves and find that out.
After you pointed out speaking too the underwriters that is happening tomorrow morning.....seems like ive opened a can of worms with my insurance company.
Also Ive asked for the second time several serving traffic officers (same initial post as here) and they state quite clearly your allowed by law....as long as certain provisions are met which Ive stated time and time again on this thread.
Your welcome too close now as Ive found the definitive answer. :y
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Stuart30 - To answer your original query - is it legal for me to drive this car?
You are quite correct, the DOC extension insures the driver, not the vehicle.
As said, you are not the vehicle owner and so you dont care if its insured or not (perhaps the Ins Co will, best check) so long as your backside is in the drivers seat.
As soon as you get out, its uninsured and the owner (not you) can and does get nicked for using a vehicle without insurance or security on a public road.
How did it get there? You drove it... Thus valid for you to be charged with causing or permitting the offence and thus just as liable as the owner for no insurance and reported accordingly...
Regards my original post Hotel i said its going too an MOT testing station for its MOT which is pre-booked.
No reason too leave the car until its on garage premises.
So i was right all along....unfortunately it seems the brown nosers haven't took the time too look for themselves and find that out.
After you pointed out speaking too the underwriters that is happening tomorrow morning.....seems like ive opened a can of worms with my insurance company.
Also Ive asked for the second time several serving traffic officers (same initial post as here) and they state quite clearly your allowed by law....as long as certain provisions are met which Ive stated time and time again on this thread.
Your welcome too close now as Ive found the definitive answer. :y
A lot of the replies, one way or t'other were before H21's response ( in the latter half of the 2nd page). They were given in good faith in response to your query, by people trying to help. To call them (us) "brown nosers" is out of order --- you asked for advice and got it, right or wrong --- it's entirely up to you as to who you listen to and whether you drive the car or not.
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Stuart30 - To answer your original query - is it legal for me to drive this car?
You are quite correct, the DOC extension insures the driver, not the vehicle.
As said, you are not the vehicle owner and so you dont care if its insured or not (perhaps the Ins Co will, best check) so long as your backside is in the drivers seat.
As soon as you get out, its uninsured and the owner (not you) can and does get nicked for using a vehicle without insurance or security on a public road.
How did it get there? You drove it... Thus valid for you to be charged with causing or permitting the offence and thus just as liable as the owner for no insurance and reported accordingly...
Regards my original post Hotel i said its going too an MOT testing station for its MOT which is pre-booked.
No reason too leave the car until its on garage premises.
So i was right all along....unfortunately it seems the brown nosers haven't took the time too look for themselves and find that out.
After you pointed out speaking too the underwriters that is happening tomorrow morning.....seems like ive opened a can of worms with my insurance company.
Also Ive asked for the second time several serving traffic officers (same initial post as here) and they state quite clearly your allowed by law....as long as certain provisions are met which Ive stated time and time again on this thread.
Your welcome too close now as Ive found the definitive answer. :y
A lot of the replies, one way or t'other were before H21's response ( in the latter half of the 2nd page). They were given in good faith in response to your query, by people trying to help. To call them (us) "brown nosers" is out of order --- you asked for advice and got it, right or wrong --- it's entirely up to you as to who you listen to and whether you drive the car or not.
The comment was aimed at a ""few members"" who know excatly who they are...not a sweeping general statement Holy.
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Well, Stuart, whatever the answer is, and whatever you end up doing, I hope you pull it off without a hitch :y
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[size=10]why do people listen to admin[/size] If you want a definative answer then consult a legal professional at the cost of several hundred quid an hour who will argue the toss on your behalf in the Court, otherwise, just keep this thread alive with supposition, conjecture and guesswork.
I'm out of here.... :y
Just thought id post this..... ;)
Good site if you need basic motoring points of law answerd.
Good idea too futher investigate just too make double sure as i did. :y
http://www.roadsidelawyer.co.uk/questions/can-i-drive-my-brothers-uninsured-car-on-my-car-insurance-if-my-insurance-policy-says-i-can