Print

Please login or register.
1 Hour 1 Day 1 Week 1 Month Forever
Login with username, password and session length

[Vamps]

Be prepared to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured.  Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing  

The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.

I had a simiular situation not so long ago -- spoke to my insurers to ask how much it would cost to insure the "second" car temporarily. They asked how long I wanted it covered for. I told them that a few hours would do it. So she says we will cover you free of charge, but the minimum cover period is a day ... midnight to midnight. Cover note arrived a few days later .. and all was sweetness and light !!!!

I have done that before, usually connected to a change over period..
Oh, and to drive another car on your policy the other car MUST be insured, just date the paperwork for the following day, though this rather depends on the seller

[stuart30]

Damn jimbob you just too good.....

Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO  and that's from traffic feds.

However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.

Day insurance would be a definite normally....however totally 100% skint.

Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?

Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0.

Lol

My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.

I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.

Bloody shame im not mega rich as i believe you dont TECHINICLY have too have insurance....just the available means too pay out for any claim.

Skuntie garage wouldnt do that...he only charges me mates rates and there flat out with work.

[stuart30]

Be prepared to argue the toss if an ANPR camera picks you up -- as the vehicle will show up as uninsured.  Technically, if stopped, the second you get out to "sit in my car, sir", the vehicle is uninsured AND on a public highway --- instant crushing  

The common interpretation of insured to drive any vehicle not owned or hired by you is that the vehicle must be insured in it's own right as well.

I had a simiular situation not so long ago -- spoke to my insurers to ask how much it would cost to insure the "second" car temporarily. They asked how long I wanted it covered for. I told them that a few hours would do it. So she says we will cover you free of charge, but the minimum cover period is a day ... midnight to midnight. Cover note arrived a few days later .. and all was sweetness and light !!!!

I have done that before, usually connected to a change over period..
Oh, and to drive another car on your policy the other car MUST be insured, just date the paperwork for the following day, though this rather depends on the seller

Not according too my insurance comapny...

[Jimbob]

Damn jimbob you just too good.....

Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO  and that's from traffic feds.

However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.

Day insurance would be a definite normally....however totally 100% skint.

Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?

Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0.

Lol

My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.

I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.

Bloody shame im not mega rich as i believe you dont TECHINICLY have too have insurance....just the available means too pay out for any claim.

Skuntie garage wouldnt do that...he only charges me mates rates and there flat out with work.

I remember that, had to lodge £500,000 with DVLA as goodwill gesture, then no insurance needed  

[stuart30]

Damn jimbob you just too good.....

Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO  and that's from traffic feds.

However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.

Day insurance would be a definite normally....however totally 100% skint.

Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?

Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0.

Lol

My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.

I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.

Bloody shame im not mega rich as i believe you dont TECHINICLY have too have insurance....just the available means too pay out for any claim.

Skuntie garage wouldnt do that...he only charges me mates rates and there flat out with work.

I remember that, had to lodge £500,000 with DVLA as goodwill gesture, then no insurance needed  

Isnt it the Royal mail and Police who dont use what we would call insurance....could explain why the postie drives like a kamikazee.

[Vamps]

Damn jimbob you just too good.....

Reason i have asked is a while back i asked the same question on a police based forum and most of the answers were NO NO NO  and that's from traffic feds.

However just asked my insurance comapny and explained at length the other car deffinetely isnt insured can i still drive it and she said yep no problem.....took down her name and dept and time of call (sure its recorded) and asked too too add a note too the file stating what had been discussed.

Day insurance would be a definite normally....however totally 100% skint.

Oh day insurance is £27....ive a clean license 10 yrs no claims and been driving 10 years. :-?

Its actually more expensive too insure than my 2.5 estate..the Honda is just a 2.0.

Lol

My experience was my 1st company car was due in a few weeks.
I was advertising my old personal car for sale, which sold leaving me with no car.
My father in law had just changed cars, had 2 months tax left on old one, so garaged it awaiting selling or whatever.

I borrowed taxed, but uninsured car, with permission and drove it on my own insurance, AFTER checking with direct line.

Bloody shame im not mega rich as i believe you dont TECHINICLY have too have insurance....just the available means too pay out for any claim.

Skuntie garage wouldnt do that...he only charges me mates rates and there flat out with work.

I remember that, had to lodge £500,000 with DVLA as goodwill gesture, then no insurance needed  

Isnt it the Royal mail and Police who dont use what we would call insurance....could explain why the postie drives like a kamikazee.

And the forces, they do not  MOT or Tax, don't even show an exempt tax disc.

[HolyCount]

"Government" or "Crown" organisations cover their own risk -- ie they are their own insurers.

[Mr Skrunts]

Mate of mine reckons recovery vehicles are tax exempt as well.  Certainly not sure on that one.

[Vamps]

Mate of mine reckons recovery vehicles are tax exempt as well.  Certainly not sure on that one.

Some are, some are not, and some that are not, should be...is tha clear enough....

[omegadti]

bus companies self insure too - had a big Buick convertible years ago and a bus hit it - took ages to get them to pay out because they were their own insurers and wanted to hold onto their money.

By the way I do recall that for the third party cover to work the vehicle MUST be insured by the owner - don't rely on call centre staff to get it right - my other half is a team leader who has to sort out the problems the people on the phones cause by making sweeping statements

[hotel21]

Despite what you may or may not have been told by a call centre operator, in order for you to be insured by the DOC - driving other cars - insurance extension from your policy, the other vehicle must be insured on its own account.

The DOC was introduced so as to allow another driver in 'the vehicle' to take over drivers responsibilities if the vehicle owner fell ill and incapable of driving.  Misuse of this option is now being enthousiastically policed and prosecutions are many, as are stated cases in Court.....

As others have said, the DOC only applies if you are in the drivers seat.  If you tep out the vehicle then, surely, its no concern of yours if the vehicle is uninsured, gets towed away and crushed?  Its not as though its yours, is it?    

  

[stuart30]

Despite what you may or may not have been told by a call centre operator, in order for you to be insured by the DOC - driving other cars - insurance extension from your policy, the other vehicle must be insured on its own account.

The DOC was introduced so as to allow another driver in 'the vehicle' to take over drivers responsibilities if the vehicle owner fell ill and incapable of driving.  Misuse of this option is now being enthousiastically policed and prosecutions are many, as are stated cases in Court.....

As others have said, the DOC only applies if you are in the drivers seat.  If you tep out the vehicle then, surely, its no concern of yours if the vehicle is uninsured, gets towed away and crushed?  Its not as though its yours, is it?    

  

So in a nutshell what ive been told by my insurance company is incorrect then..?

No not my car Hotel....favour for a friend coz im all sweet and nice like that...My wife was going too be given it but pointless without an mot as it could be a right lemon,once thats been done we will know if we will buy it off her mate

Not doubting you Hotel but thought id give the copper shop a quick call and blow me they said its fine...

They went on too say alot of naughty people who drive uninsured when there cars taken away after a stop quite often a friend or relative can claim the car and take it away as there insured.

Like i said in an earlier post it sounds like theres a lot of confusion on what is the law regards this.

[mkaminski100]

Hotel is 100% right. I was looking to insure car I was going to buy so checked around for a temporary insurance companies - these charge like £25-40 a day!!!
My next point was my insurer. I have called Direct line and told that I have an insurance with them and want to insure another car for few days. No problem! I got myself a 2 week insurance for less than £20!! Yes, voluntary excess is more than £500, but same is with any temporary insurance, so give them a call and ask.

[Darth Loo-knee]

Well this should be interesting......

I need too collect a Honda Accord and take it directly too a MOT station for a pre-booked MOT.

The car in question is taxed but NOT insured.

I have fully comp insurance and have the entitlement too drive any car that is not hired or owned by myself.

Whats peoples thoughts on how the law stands on this....i believe i know the answer but thought it would be interesting on peoples thoughts.

Pretty sure the car needs to be insured for your insurance to cover you to drive it mate

[Vamps]

Hotel is 100% right. I was looking to insure car I was going to buy so checked around for a temporary insurance companies - these charge like £25-40 a day!!!
My next point was my insurer. I have called Direct line and told that I have an insurance with them and want to insure another car for few days. No problem! I got myself a 2 week insurance for less than £20!! Yes, voluntary excess is more than £500, but same is with any temporary insurance, so give them a call and ask.

I was going to do something like this for the York Meet, borrowing my Dad's camper, talking to him the other day he said his insurance was due early April, so he is going to see how much it would be to add me to his policy, I told him it would be cheaper as his insurance company would be grateful he was driving it less...... well he is 71