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[nick v6]

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

[hotel21]

[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

Nick - Please re-read the thread.  

No one forces you to listen to admins, its a (relatively) free country....  

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....  

[Andy B]

......
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  ) ..... he wouldn't have been allowed to drive my car he if he had DOC on his policy.

[nick v6]

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

[nick v6]

[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

Nick - Please re-read the thread.  

No one forces you to listen to admins, its a (relatively) free country....  

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....  

not a new buddy
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

[stuart30]

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.

[HolyCount]

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.

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.

[stuart30]

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.

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.

[HolyCount]

Well, Stuart, whatever the answer is, and whatever you end up doing, I hope you pull it off without a hitch  

[stuart30]

[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....  

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.

http://www.roadsidelawyer.co.uk/questions/can-i-drive-my-brothers-uninsured-car-on-my-car-insurance-if-my-insurance-policy-says-i-can