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[PhilRich]

Forgive what must seem to be a thick question to some, but I have never been in this position before and cannot find a definitive answer from either my family or the tinternet!
I have recently bought an Omega Estate and it is currently on my drive SORNed whilst I have lpg installed. I am still running my Omega Saloon. The Estates MOT runs out towards the end of March and will no doubt have expired before the lpg is finished. I know that the car can be driven to a pre arranged MOT appointment without a valid RFL & MOT but the bit that confuses me is the Insurance. Can any of you Bods tell me whether the CAR needs to be Insured (i.e. actually mentioned on the Policy Document) or can it be legally driven by my son on his Fully Comp. policy which states he is insured to drive any vehicle loaned to him?   Any help would be most gratefully received 

[Broomies Mate]

My policy wont allow me to drive an uninsured vehicle.  I am Fully Comp.

I believe all policies are the same, unless a traders policy.

[Jimbob]

Im currently with swiftcover, with them it is stated in black and white that the loan car HAS to be insured in its own right.

Several years ago I was with direct line, and no distinction was made in the policy documents...

I rang them and they confirmed the loan car DID NOT have to be insured, but the second I stepped out of it, it was uninsured, so if brake failure etc occured, I would be liable for any damage caused.

So the only answer you can rely on - is the word of your own company, ring and ask them

[hotel21]

The vehicle needs insurance in its own right.

You own it and you have insurance on another vehicle?

The other vehicle insurance gives third party only on any other vehicle driven by you (please check, not all policies do) as long as said other vehicle is not owned by you.

The DOC (driving other cars) insurance 'get out' is an old time carryover whereby in the s enario where you were out for a Sunday drive with your mate in his car and he took unwell then your insurance allowed you to drive his car home.

As said, a carry over from the 40's or 50's with no real life in this money hungry century where folks are all out to get anything and everything for nowt.

The insurance companies are well onto it and, personally, I wouldn't other than car being insured separately.

But that's just me!   

[Del Boy]

Vehicle must be insured itself I believe  .

[Vamps]

I was about to post but got this red screen up so I won't bother, as the advice you have been given is correct............

[twiglet]

If you only need it insuring to get it to the MOT test and back, and are not wanting to put it on the road straight away, you could just insure the car for 1 day.  Lot's of policies around that cater for this.

IIRC, it would cost you around £25 - £30... 

[Vamps]

The vehicle needs insurance in its own right.

You own it and you have insurance on another vehicle?

The other vehicle insurance gives third party only on any other vehicle driven by you (please check, not all policies do) as long as said other vehicle is not owned by you.

The DOC (driving other cars) insurance 'get out' is an old time carryover whereby in the s enario where you were out for a Sunday drive with your mate in his car and he took unwell then your insurance allowed you to drive his car home.

As said, a carry over from the 40's or 50's with no real life in this money hungry century where folks are all out to get anything and everything for nowt.

The insurance companies are well onto it and, personally, I wouldn't other than car being insured separately.

But that's just me!   

Now my Jeep is only insured for me to drive, as swmbo does not like it, but, and without searching the document, in a medical emergency / situation another driver may drive my car home / hospital or safe place - something like that, currently with AxA.......

[PhilRich]

Thanks very much Chaps, I reckon that's a definitive answer if ever there was one!

[Vamps]

You can rely on OOF.............

[hotel21]

Vamps - see where you are coming from but it's not quite the same thing. Your policy for your car allows person(s) not named to drive your car in extenuating circumstances - please, please confirm them before possible use - but it is different to OP.

OP (policy holder) wants to drive another car owned by him (but not currently insured in its own right) on his original policy.

Different circumstances, I think you will agree. 

[Vamps]

Vamps - see where you are coming from but it's not quite the same thing. Your policy for your car allows person(s) not named to drive your car in extenuating circumstances - please, please confirm them before possible use - but it is different to OP.

OP (policy holder) wants to drive another car owned by him (but not currently insured in its own right) on his original policy.

Different circumstances, I think you will agree. 

Yes B, I do understand that......

[CaptainZok]

Another option would be to ask your insurer to put the second vehicle on cover for a short period, some companies will do this for a period of up to a month for a small fee. I think I was charged £50 to put a second car on my policy for a month a few years ago.

[Broomies Mate]

I'd be inclined to ask your MOT tester if he/she has a Traders policy and the necessary plates.  Slip them a tenner and they can legally drive the car to and from the MOT.

[Vamps]

Another option would be to ask your insurer to put the second vehicle on cover for a short period, some companies will do this for a period of up to a month for a small fee. I think I was charged £50 to put a second car on my policy for a month a few years ago.

I was paying £30 a month for an extra Mig, but was on a Multi Car policy where I had 3 other cars insured.......