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[Jimbob]

Last time I checked a few years ago...

Rang Direct line.

They didnt care if the car was insured or not, just that I had permission and that I didnt own it.  They did say as soon as I walk away from it its a grey area as it 'could' cause some damage to other property.

I kept a note in the car while I was using it to that effect.

I believe different insurers have different rules, so ring yours and check.

Other way is www.dayinsure.com if you just need some short term cover.

[tunnie]

wish my policy covered me, to drive other cars with 3rd party insurance, i have to wait another year  

[psnimv6]

another thing that affects whether or not you are covered is your job, if you work in the motor trade or a hgv driver my insurance will not cover you in anybody elses car whether or not it has any insurance just to add to the confusion

[amigov6]

Most replies are correct. Simply put if i lend you my car i have to be insured for your basic third party ins to be valid, if my ins has lapsed, yours won't cover you at all.  

[albitz]

yep,the car you are driving needs to be insured already.

[jereboam]

Of course the car has to be insured - if it isn't, then it can't be taxed, so it can't be on the road.

My policy says nothing about the car being insured, though.  I'm covered to drive any car not belonging to me or hired to me.  

As you all must be aware, the policy on a car usually names the permitted drivers (unless it's an "any driver" policy, usually only taken out by companies).  

So, if I'm named on that policy, it doesn't matter what my car policy says, I'm covered by the policy for the car I'm driving.  If I'm not named, then I'm covered 3rd party (i.e. Road Traffic Act cover) by my own policy.  If the policy for the car has lapsed, I have cover under my policy, but that's only while I am driving it.  Presumably, if I park it on the public road, I am (or possibly the registered keeper is) committing an offence because it is an uninsured vehicle.

I think I have confused myself... :-/ :-/ :-/

[Darth Loo-knee]

Yes pretty sure the other car needs to have insurance on it even if your insurance says you can drive anyone elses car with there permission..

[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

Sorry Danny but I was wrong on this!  

Although my Policy Documents don't demand the other vehicle has to be insured I have just checked with the AA and they confirm that the other vehicle DOES have to be insured.  As Jereboam mentions if the car is not insured it cannot be taxed and shouldn't be on the road anyway!!  Makes perfect sense now!  

[TheBoy]

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??

Its been covered before.

The car is insured whilst you are in the drivers seat (and assuming you don't own it).  If you leave the drivers seat, the car becomes uninsured.


Now seeing as PC Plod following you knows straight away the car is uninsured, he will stop you and probably ask you to get out for a chat in the back of the jam sandwich.......

[Jimbob]

Of course the car has to be insured - if it isn't, then it can't be taxed, so it can't be on the road.

My policy says nothing about the car being insured, though.  I'm covered to drive any car not belonging to me or hired to me.  

As you all must be aware, the policy on a car usually names the permitted drivers (unless it's an "any driver" policy, usually only taken out by companies).  

So, if I'm named on that policy, it doesn't matter what my car policy says, I'm covered by the policy for the car I'm driving.  If I'm not named, then I'm covered 3rd party (i.e. Road Traffic Act cover) by my own policy.  If the policy for the car has lapsed, I have cover under my policy, but that's only while I am driving it.  Presumably, if I park it on the public road, I am (or possibly the registered keeper is) committing an offence because it is an uninsured vehicle.

I think I have confused myself... :-/ :-/ :-/

It can be taxed and uninsured!
Once you have bought the tax, insurance can lapse, or be transferred to another car, but the tax is still valid.

[hotel21]

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??

Its been covered before.

The car is insured whilst you are in the drivers seat (and assuming you don't own it).  If you leave the drivers seat, the car becomes uninsured.

Now seeing as PC Plod following you knows straight away the car is uninsured, he will stop you and probably ask you to get out for a chat in the back of the jam sandwich.......

Exactly.  

When the driver who has a DOC (driving other cars) extension on his policy is stopped, they instantly become uninsured as soon as they get out.  The car is in his possession quite legally, not stolen, and is thus eligible to be reported.  Additionally, 99.9% of the companies I have spoken to direct (thats the underwriters themselves, not a computer jockey in a call centre) say that the DOC extension is only valid if the vehicle has insurance in its own right.

What is more, the actual owner will also be reported for no insurance on the 'cause or permit' side of things and subject to the same fine/points etc.

The DOC extension was originally intended for another driver to get a vehicle and owner home if the owner of the vehicle takes ill when out and about, not to allow persons carte blanche to drive a Ferarri on Fiesta insurance.....