Print

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

[cam2502]

how does this stand folks?
i am fully comp for my omega,am i allowed to drive another car with the owners consent if the car itself isnt actually insured? does my insurance (direct line in case it matters) cover me? it is taxed and mot'd.

[Jimbob]

I asked my insurers this a few years back and was told it didnt matter.

everything Ive heard since says both cars need insurance

[Lazydocker]

Read your insurance docs. Driving other cars is an optional (at the insurers discretion) extra. It very rarely covers a car if it doesn't already have a policy in place though

[Martian]

how does this stand folks?
i am fully comp for my omega,am i allowed to drive another car with the owners consent if the car itself isnt actually insured? does my insurance (direct line in case it matters) cover me? it is taxed and mot'd.

Check with your insurer.
My insurer (Adrian Flux) gives me the 3rd party extension to drive another vehicle with the owners consent and makes no mention of the other vehicle having to be insured in it's own right.
However when I rang them and asked I was told the other vehicle does have to be insured in order for the 3rd party extension cover to be valid.

I personally don't see why the vehicle itself has to be insured, because the only risk comes from whoever is at the wheel.

[henryd]

I believe that all vehicles used on the public highway must be registered on the insurance database with the only exception being motor trade use of customers vehicles

[cam2502]

just rang the insurance compant, i am insured to drive the car on a 3rd party basis
thanks for your quick responses folks

[Lazydocker]

just rang the insurance compant, i am insured to drive the car on a 3rd party basis
thanks for your quick responses folks

Hope you made it clear the other car isn't insured :-?
And made a note of the details of the person you spoke to because you will ping up the ANPR as no insurance

[mantahatch]

Looking at from my twisted position. Years ago you where not allowed to insure a vehicle more than once. So to say the car has to have its own insurance and your 3rd party cover means it is insured twice.

The only problem comes when you leave the car parked on the road, who is insuring then ?

If you are with the vehicle at all times then your 3rd party covers it. but if you park and go shopping the car is not insured.

I would love to see a definitive answer to this question.

I think we will gradually see an end to the " drive any car" bit of our insurance.

[TheBoy]

Its a grey area.

The car needs to be insured when on the public highway. Whilst you're in it, its insured for liability, but move from the drivers seat, and its not.

Your insurer is basically saying you are insured to drive the car, but that is quite the same as the car being insured.

Given the amount of ANPR, I wouldn't risk it, as it will flag, then you will have to have the debate in the back of a Police car (and if that happens, as you are not in the drivers seat, there is no debate, the car definately is not insured).

[TheBoy]

Looking at from my twisted position. Years ago you where not allowed to insure a vehicle more than once. So to say the car has to have its own insurance and your 3rd party cover means it is insured twice.

The only problem comes when you leave the car parked on the road, who is insuring then ?

If you are with the vehicle at all times then your 3rd party covers it. but if you park and go shopping the car is not insured.

I would love to see a definitive answer to this question.

I think we will gradually see an end to the " drive any car" bit of our insurance.

That can stay, as we are already in the realm of each and every car needing to be insured if it is taxed (as from earlier this year, they will issue instant fines if a taxed car is not insured).

[Entwood]

Its a grey area.

The car needs to be insured when on the public highway. Whilst you're in it, its insured for liability, but move from the drivers seat, and its not.

Your insurer is basically saying you are insured to drive the car, but that is quite the same as the car being insured.

Given the amount of ANPR, I wouldn't risk it, as it will flag, then you will have to have the debate in the back of a Police car (and if that happens, as you are not in the drivers seat, there is no debate, the car definately is not insured).

Not 100% certain of that ... I believe that the phrase" driving" means "responsible for" ...  thus even when not in the vehicle you are "in control" of it and so responsible for it. Thus you/it are insured, on a 3rd party basis only, even if not actually sat in it.

I base this on the definitions in my policy ...

Insured Vehicle : Any Motor vehicle you own or for which you are legally responsible including any caravan ........(snipped)

[TheBoy]

Its a grey area.

The car needs to be insured when on the public highway. Whilst you're in it, its insured for liability, but move from the drivers seat, and its not.

Your insurer is basically saying you are insured to drive the car, but that is quite the same as the car being insured.

Given the amount of ANPR, I wouldn't risk it, as it will flag, then you will have to have the debate in the back of a Police car (and if that happens, as you are not in the drivers seat, there is no debate, the car definately is not insured).

Not 100% certain of that ... I believe that the phrase" driving" means "in control of" ...  thus even when not in the vehicle you are "in control" of it and so responsible for it. Thus you/it are insured, on a 3rd party basis only, even if not actually sat in it.

Depends on the definition of 'in-control'. If the handbrake cable snapped (or the rear discs cooled on those with disc handbrakes) whilst in the back of Plod's Strawberry Sandwich, then you are not 'in control' of that vehicle.

If you broke down, and were on the hard shoulder, and sit out of the car like a good boy, you are not in control of it.


The owner may hold you responsible for it, but thats not the question...

[TheBoy]

Insured Vehicle : Any Motor vehicle you own or for which you are legally responsible including any caravan ........(snipped)

You are not legally responsible for the vehicle per se, the owner is. You are responsible for ensuring the vehicle is fit to drive before starting off, and responsible for driving both within the law and safely.

[russ0205]

grey area as tb said with anpr everywhere you go, My advise is if in doubt don't, I was always to believe the other car must be insured,

  :-/ :-/

[Crazycarzowner]

The other vehicle MUST be insured for you to be allowed to drive it legally. If not & you get pulled you will forfeit the car & be liable for prosecution under use /cause/permit. Section 144a of thr RTA 1988.