Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: cam2502 on 25 July 2011, 12:03:18
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how does this stand folks?
i am fully comp for my omega,am i allowed to drive another car with the owners consent if the car itself isnt actually insured? does my insurance (direct line in case it matters) cover me? it is taxed and mot'd.
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I asked my insurers this a few years back and was told it didnt matter.
everything Ive heard since says both cars need insurance
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Read your insurance docs. Driving other cars is an optional (at the insurers discretion) extra. It very rarely covers a car if it doesn't already have a policy in place though ;)
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how does this stand folks?
i am fully comp for my omega,am i allowed to drive another car with the owners consent if the car itself isnt actually insured? does my insurance (direct line in case it matters) cover me? it is taxed and mot'd.
Check with your insurer.
My insurer (Adrian Flux) gives me the 3rd party extension to drive another vehicle with the owners consent and makes no mention of the other vehicle having to be insured in it's own right.
However when I rang them and asked I was told the other vehicle does have to be insured in order for the 3rd party extension cover to be valid.
I personally don't see why the vehicle itself has to be insured, because the only risk comes from whoever is at the wheel.
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I believe that all vehicles used on the public highway must be registered on the insurance database with the only exception being motor trade use of customers vehicles
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just rang the insurance compant, i am insured to drive the car on a 3rd party basis :y
thanks for your quick responses folks :y :y
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just rang the insurance compant, i am insured to drive the car on a 3rd party basis :y
thanks for your quick responses folks :y :y
Hope you made it clear the other car isn't insured :-?
And made a note of the details of the person you spoke to because you will ping up the ANPR as no insurance ;)
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Looking at from my twisted position. Years ago you where not allowed to insure a vehicle more than once. So to say the car has to have its own insurance and your 3rd party cover means it is insured twice.
The only problem comes when you leave the car parked on the road, who is insuring then ?
If you are with the vehicle at all times then your 3rd party covers it. but if you park and go shopping the car is not insured.
I would love to see a definitive answer to this question.
I think we will gradually see an end to the " drive any car" bit of our insurance.
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Its a grey area.
The car needs to be insured when on the public highway. Whilst you're in it, its insured for liability, but move from the drivers seat, and its not.
Your insurer is basically saying you are insured to drive the car, but that is quite the same as the car being insured.
Given the amount of ANPR, I wouldn't risk it, as it will flag, then you will have to have the debate in the back of a Police car (and if that happens, as you are not in the drivers seat, there is no debate, the car definately is not insured).
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Looking at from my twisted position. Years ago you where not allowed to insure a vehicle more than once. So to say the car has to have its own insurance and your 3rd party cover means it is insured twice.
The only problem comes when you leave the car parked on the road, who is insuring then ?
If you are with the vehicle at all times then your 3rd party covers it. but if you park and go shopping the car is not insured.
I would love to see a definitive answer to this question.
I think we will gradually see an end to the " drive any car" bit of our insurance.
That can stay, as we are already in the realm of each and every car needing to be insured if it is taxed (as from earlier this year, they will issue instant fines if a taxed car is not insured).
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Its a grey area.
The car needs to be insured when on the public highway. Whilst you're in it, its insured for liability, but move from the drivers seat, and its not.
Your insurer is basically saying you are insured to drive the car, but that is quite the same as the car being insured.
Given the amount of ANPR, I wouldn't risk it, as it will flag, then you will have to have the debate in the back of a Police car (and if that happens, as you are not in the drivers seat, there is no debate, the car definately is not insured).
Not 100% certain of that ... :( I believe that the phrase" driving" means "responsible for" ... thus even when not in the vehicle you are "in control" of it and so responsible for it. Thus you/it are insured, on a 3rd party basis only, even if not actually sat in it.
I base this on the definitions in my policy ...
Insured Vehicle : Any Motor vehicle you own or for which you are legally responsible including any caravan ........(snipped)
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Its a grey area.
The car needs to be insured when on the public highway. Whilst you're in it, its insured for liability, but move from the drivers seat, and its not.
Your insurer is basically saying you are insured to drive the car, but that is quite the same as the car being insured.
Given the amount of ANPR, I wouldn't risk it, as it will flag, then you will have to have the debate in the back of a Police car (and if that happens, as you are not in the drivers seat, there is no debate, the car definately is not insured).
Not 100% certain of that ... :( I believe that the phrase" driving" means "in control of" ... thus even when not in the vehicle you are "in control" of it and so responsible for it. Thus you/it are insured, on a 3rd party basis only, even if not actually sat in it.
Depends on the definition of 'in-control'. If the handbrake cable snapped (or the rear discs cooled on those with disc handbrakes) whilst in the back of Plod's Strawberry Sandwich, then you are not 'in control' of that vehicle.
If you broke down, and were on the hard shoulder, and sit out of the car like a good boy, you are not in control of it.
The owner may hold you responsible for it, but thats not the question...
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Insured Vehicle : Any Motor vehicle you own or for which you are legally responsible including any caravan ........(snipped)
You are not legally responsible for the vehicle per se, the owner is. You are responsible for ensuring the vehicle is fit to drive before starting off, and responsible for driving both within the law and safely.
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grey area as tb said with anpr everywhere you go, My advise is if in doubt don't, I was always to believe the other car must be insured,
:-/ :-/
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The other vehicle MUST be insured for you to be allowed to drive it legally. If not & you get pulled you will forfeit the car & be liable for prosecution under use /cause/permit. Section 144a of thr RTA 1988.
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The other vehicle MUST be insured for you to be allowed to drive it legally. If not & you get pulled you will forfeit the car & be liable for prosecution under use /cause/permit. Section 144a of thr RTA 1988.
It's my understanding that it's section 143 of said act that applies to insurance and its use/enforcement. Section 144a as you qte is a bill in progress to require the display of a disc, like a tax disc, showing insurance is in force
For the vehicle. :y
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I wus close, but no cigar ::) ::) ::) I weren't too far off, off the top of me head.
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Under current rules, recently brought in, a car cannot have tax on it if it has no insurance on it?
Therefore it follows that the car cannot be driven on public roads...?
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The other vehicle MUST be insured for you to be allowed to drive it legally. If not & you get pulled you will forfeit the car & be liable for prosecution under use /cause/permit. Section 144a of thr RTA 1988.
I agree......
For my sins, I watch Road Wars on the telly, which is mainly around here. Some the drivers they pull when the vehicle flags up, say its not their car, but they have their own insurance to drive it, which is sometimes the case....but they seize the vehicle as having no insurance :y
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bit of clarification here guys....the car in question is my girlfriends 2nd car that she has just bought, she isnt insured to drive it as she still is trying to sell her own car, so as i am fully insured i posted the question and then rang my insurance company. i clearly stated the situation that she hadnt insured the 2nd car and asked if i was insured to drive it, even though the car itself wasnt actually insured...the answer was yes, 3rd party.
later that afternoon we took the car for a drive, roughly a 90 mile round trip, on the way there i passed a stationary camera van and on the way back stopped at a junction with our local forces brand new jaguar xf traffic car right opposite us.
to be honest after we passed the camera van i half expected a tug from a car further down the road, because even though i am insured, surely the car must flag up as having no insurance? anyway, nothing happened, and again nothing happened when we met the xf, and it was about 20ft away.
like i say, i clearly asked the insurance company and got the girl to double check...she said im insured ;)
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Read the wording on your policy, been there done it, if it plainly states that the other car must be insured or not, then yes or no, also with the 3rd partys car with permission, and it should state weither insured or not.
If its does not state that the other vehicle has to insured then you are covered by public and third party liability only by law, assuming the car is taxed and Moted, but the Police will argue this one if stopped.
Chris.
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I've always given the benefit of the doubt to people in this position. Many a time, I've stopped a car that appears to be uninsured for the driver to claim that they are insured under their own policy.
Recently, this debate has come up with the MIB and it appears that this 'loophole' is likely to be fixed and clarified very soon.
One reason this is to be closed is due to drivers trying to reclaim a seized car from police using a different vehicle's policy!
Think about it... I decide to get comp insurance on a 1.4 diesel fiesta. Due to being over 25, the policy allows me to drive a vehicle on third party risk. So I get into a high powered Ferrari.... you can imagine the insurer's reaction in the event of an expensive claim!!
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I've always given the benefit of the doubt to people in this position. Many a time, I've stopped a car that appears to be uninsured for the driver to claim that they are insured under their own policy.
Recently, this debate has come up with the MIB and it appears that this 'loophole' is likely to be fixed and clarified very soon.
One reason this is to be closed is due to drivers trying to reclaim a seized car from police using a different vehicle's policy!
Think about it... I decide to get comp insurance on a 1.4 diesel fiesta. Due to being over 25, the policy allows me to drive a vehicle on third party risk. So I get into a high powered Ferrari.... you can imagine the insurer's reaction in the event of an expensive claim!!
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But you can not drive another car that is in your name. This has been debated on here before, the other car must be insured in it's own right, think about it, you stop to buy a paper, the car is on the road, you got out so if not insured then the car is not insured if you are not in it.....
I recently had to borrow my mothers car, mig reliability ::) ::) no problem with me driving it on my insurance but the car has to be insured in it's own right. With Admiral multi car and they actually said only in an emergency, I said it was as my car was broken down....rang them to give them the details of the car I was to be driving, they did not want to know.......
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Absolutely agreed, it has to be insured in its own right! If I'm insured on my 1.0 mini city then I drive a friend's high powered Ferrari and crash, do we really believe the insurance company will pay out, no questions asked? Of course not. But if the Ferrari's insured by the owner, that's a different matter.
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my classic car fully comp policy states i can drive any car not belonging to me third party cover. It does not mention the other car needs insurance. it costs just over £60 a year. I can add other classic to this policy at reasonable cost.
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My fully comp policy also allow me to drive another car not belonging to me, with no mention of the other car having to be insured. How would you rate my chances if stopped or caught on camera whilst driving the wife's SORN'ed Astra to/from a pre arranged MOT less than a mile away?