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[Danny]

my insurance policy allows me to drive other vehicles on a 3rd party basis, but do other vehicles have to be covered by their own policy??

[psnimv6]

i think that is the way it is i know it used to be you could drive anything but i know on my insurance the other car must be insured elsewhere

[FRE07962128]

my insurance policy allows me to drive other vehicles on a 3rd party basis, but do other vehicles have to be covered by their own policy??

No, it is your insurance that covers that vehicles use, but as you rightly state at 3rd Party level only.
 

[psychnurse]

My policy states that i will have 3rd party only if the other vehicle is registerd and insured in anothers name, with their permission.

[kris9128]

yes the other car does have to be insured and normally you have to be insured full comp. a lot of companies have now stopped this practice recently so please check with them, just cos it says you can on your policy doesnt mean they havent changed the rules.

[FRE07962128]

My policy states that i will have 3rd party only if the other vehicle is registerd and insured in anothers name, with their permission.

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

[psychnurse]

My policy states that i will have 3rd party only if the other vehicle is registerd and insured in anothers name, with their permission.

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

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

[psnimv6]

i think the reson that it was stoped was to stop young lads buying a very cheap car to insure and then buying a hard to insure car and if stoped just say that the car belongs to someone else  

[kris9128]

i've never understood the rules about this because technically the car is covered by 2 insurance policies wich is not allowed, who's policy would you claim on. leaves the way wide open for a bit of insurance fraud. claiming for 1 accident on 2 policies. but have looked into this as i am using a friends car aswell as mine and his car has to be insured as well as me being fully comp.

[FRE07962128]

My policy states that i will have 3rd party only if the other vehicle is registerd and insured in anothers name, with their permission.

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

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

Yes and that is why the law is often so baffling that you need to bring the lawyers in!

[Danny]

well going off your replies, taking into account the "not allowed 2 policies on one vehicle" it leads me to believe that if my own policy covers me for OTHER vehicles, then basically it means my own policy covers me on my car, but my policy covers ONLY me personally on another car, but the other car needs its own policy to allow it on a public road although the borrowed car's policy would probably not be involved if i needed to make a claim for me driving it

[sir moanalot]

after watching road wars etc recently there was a chav who was not insured arguing with a copper that he had a mate insured to drive his car home- but the copper said he could not because the owner did not have it insured. may be of help??

[JonArgraig]

3rd party only cover on another persons car threw your insurance works like this

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

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

[Danny]

that'll do for me, cheers

but then, if i'm even slightly unsure where laws are concerned, i never take the risk

[Tony H]

Yep just to confirm the car has to be insured in its own right for you to drive it legally.