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[hotel21]

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.

It's my understanding that it's section 143 of said act that applies to insurance and its use/enforcement.   Section 144a as you qte is a bill in progress to require the display of a disc, like a tax disc, showing insurance is in force
For the vehicle. 

[Crazycarzowner]

I wus close, but no cigar  I weren't too far off, off the top of me head.

[TheBoy]

Under current rules, recently brought in, a car cannot have tax on it if it has no insurance on it?

Therefore it follows that the car cannot be driven on public roads...?

[Terbs]

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.

I agree......
For my sins, I watch Road Wars on the telly, which is mainly around here. Some the drivers they pull when the vehicle flags up, say its not their car, but they have their own insurance to drive it, which is sometimes the case....but they seize the vehicle as having no insurance

[cam2502]

bit of clarification here guys....the car in question is my girlfriends 2nd car that she has just bought, she isnt insured to drive it as she still is trying to sell her own car, so as i am fully insured i posted the question and then rang my insurance company. i clearly stated the situation that she hadnt insured the 2nd car and asked if i was insured to drive it, even though the car itself wasnt actually insured...the answer was yes, 3rd party.
later that afternoon we took the car for a drive, roughly a 90 mile round trip, on the way there i passed a stationary camera van and on the way back stopped at a junction with our local forces brand new jaguar xf traffic car right opposite us.
to be honest after we passed the camera van i half expected a tug from a car further down the road, because even though i am insured, surely the car must flag up as having no insurance? anyway, nothing happened, and again nothing happened when we met the xf, and it was about 20ft away.
like i say, i clearly asked the insurance company and got the girl to double check...she said im insured

[zirk]

Read the wording on your policy, been there done it, if it plainly states that the other car must be insured or not, then yes or no, also with the 3rd partys car with permission, and it should state weither insured or not.

If its does not state that the other vehicle has to insured then you are covered by public and third party liability only by law, assuming the car is taxed and Moted, but the Police will argue this one if stopped.

Chris.

[edwardmickey]

I've always given the benefit of the doubt to people in this position.  Many a time, I've stopped a car that appears to be uninsured for the driver to claim that they are insured under their own policy.
Recently, this debate has come up with the MIB and it appears that this 'loophole' is likely to be fixed and clarified very soon.
One reason this is to be closed is due to drivers trying to reclaim a seized car from police using a different vehicle's policy!
Think about it... I decide to get comp insurance on a 1.4 diesel fiesta.  Due to being over 25, the policy allows me to drive a vehicle on third party risk. So I get into a high powered Ferrari.... you can imagine the insurer's reaction in the event of an expensive claim!!

[Vamps]

I've always given the benefit of the doubt to people in this position.  Many a time, I've stopped a car that appears to be uninsured for the driver to claim that they are insured under their own policy.
Recently, this debate has come up with the MIB and it appears that this 'loophole' is likely to be fixed and clarified very soon.
One reason this is to be closed is due to drivers trying to reclaim a seized car from police using a different vehicle's policy!
Think about it... I decide to get comp insurance on a 1.4 diesel fiesta.  Due to being over 25, the policy allows me to drive a vehicle on third party risk. So I get into a high powered Ferrari.... you can imagine the insurer's reaction in the event of an expensive claim!!

[/highlight]

But you can not drive another car that is in your name. This has been debated on here before, the other car must be insured in it's own right, think about it, you stop to buy a paper, the car is on the road, you got out so if not insured then the car is not insured if you are not in it.....

I recently had to borrow my mothers car, mig reliability no problem with me driving it on my insurance but the car has to be insured in it's own right. With Admiral multi car and they actually said only in an emergency, I said it was as my car was broken down....rang them to give them the details of the car I was to be driving, they did not want to know.......

[edwardmickey]

Absolutely agreed, it has to be insured in its own right!  If I'm insured on my 1.0 mini city then I drive a friend's high powered Ferrari and crash, do we really believe the insurance company will pay out, no questions asked?  Of course not.  But if the Ferrari's insured by the owner, that's a different matter.

[neilr]

my classic car fully comp policy states i can drive any car not belonging to me third party cover. It does not mention the other car needs insurance. it costs just over £60 a year. I can add other classic to this policy at reasonable cost.

[Figureman52]

My fully comp policy also allow me to drive another car not belonging to me, with no mention of the other car having to be insured. How would you rate my chances if stopped  or caught on camera whilst driving  the wife's SORN'ed Astra to/from a pre arranged MOT less than a mile away?