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Uninsured Cars - Legal if not driven?
Comments
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I think you are referring to his Certificate of Insurance, if you look in his policy booklet under the "Liability" or it may be called "Liability to Others" it will have restrictions
Yes it does have restrictions but as OP was asking a specific question I didn't think to mention it might have restrictions
These are the restrictions on hubbys policy for driving other cars.....
We will cover you for everything listed in clause 1a when you are driving any other car as long as:
- your current Certificate of Motor Insurance says so
- you hold a valid Driving Licence and are not disqualified
- the other car is not owned by you, a rental car, nor hired to you under a hire purchase or leasing agreement
- you have the owner’s permission to drive the car
- you are not covered by any other insurance to drive it
- you still have your car, and it has not been damaged beyond repair, stolen or sold
:heart2: Love isn't finding someone you can live with. It's finding someone you can't live without :heart2:0 -
1. Since I am insured fully comp, and it states I can drive other cars 3rd Party, am I insured to drive his car 3rd Party with his permission, even though the car itself has no insurance policy?
Maybe, as per the replies previously given.2. As long as he does not drive the vehicle himself, is it legal to leave the car parked on the road?
No, it is not legal as it is an offence to use a vehicle on the road whichis not insured or securitised against third party liabilities. Just leaving it parked in the road constitutes 'use' in the eyes of the law. There is also legislation which has been passed (but is yet to be enacted) which will make it an offence to be the keeper of a vehicle which is uninsured and which is not SORN.0 -
your policy states that you will be insured against 3rd party risks only whilst driving somebody elses car, however, it is illegal to use a vehicle on a public highway without having a current insurance policy in force for THAT VEHICLE, so although your policy would appear to insure you, it only does so on the proviso that the vehicle already has a policy in force for it, otherwise it should not be on the road, so you are not insured as reskazz has pointed out, otherwise i would own and insure the cheapest car i could buy and use that policy to drive anything i wanted to but register all other vehicles to my brother who would lend them to me0
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your policy states that you will be insured against 3rd party risks only whilst driving somebody elses car, however, it is illegal to use a vehicle on a public highway without having a current insurance policy in force for THAT VEHICLE, so although your policy would appear to insure you, it only does so on the proviso that the vehicle already has a policy in force for it, otherwise it should not be on the road, so you are not insured as reskazz has pointed out, otherwise i would own and insure the cheapest car i could buy and use that policy to drive anything i wanted to but register all other vehicles to my brother who would lend them to me
Not true.
But that's actually quite common.
Most companies now exclude driving other vehicles from under 25 year old policyholders for that very reason.0 -
No! You will be insured whilst driving the car, but the second you park up and leave the vehicle it will be uninsured.
The car itself needs to be insured, your anycar cover does not provide this. It will also flag as uninsured with the police systems, not worth the hassle.
Don't want you to get in trouble.
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Not true.
But that's actually quite common.
Most companies now exclude driving other vehicles from under 25 year old policyholders for that very reason.
strange, my wife worked for norwich union for 5 years in the motor insurance department and researched this for me, i have never in 25 years of driving known an insurance policy for under 25's to include it anyway, you are insured but your vehicle is not, and it is an offence to keep/drive a vehicle on the road without it being insured against 3rd party risks, so by driving an uninsured vehicle you are comitting an offence and driving illegaly(despite what your policy states) , if you are driving other than in accordance with the road traffic act and your licence then your insurance can be deemed invalid in the event of an accident, if it were legal then why would people i know bother paying thousands for a traders policy?
do you mean that i can drive my mercedes and my shogun legally without bothering to pay annualy for a policy because of the "drive any other vehicle" wording on my motorbike policy? i think not, my new policy now states clearly that it cannot be used to collect cars from police pounds after they have been confiscated for no insurance, which would tend to reinforce my point, if i were wrong then the insurance would be valid for collecting cars from pounds regardless of weather they had a policy in force or not. Maybe somebody can provide some official data that states you can legally drive cars on the road without a valid policy being in force for them, untill then i will continue to insure my vehicles0 -
Maybe somebody can provide some official data that states you can legally drive cars on the road without a valid policy being in force for them, untill then i will continue to insure my vehicles
Of course you can drive other cars if you have that extension.
You say your wife has researched all this for you during her time with NU (now Aviva)! (Read other threads on how Aviva fare with customer service - no reflection on your wife - just on the Aviva standards.
She should have been able to point out that you cannot use DOC for other cars that you own! (As you could have discovered for yourself if you read your own insurance certificate!)0 -
Sorry Kaya but you are wrong.
If your insurance certificate says they are insured somebody else's vehicle then they are - it is a legally enforcible contract of insurance that complies with the Road Traffic Acts, provided, of course, they comply with what any conditions in the certificate which may, or may not, include the provision that there is a contract of insurance in force with an insurer somewhere that specifies the vehicle actually being driven.
However, to be legally driven on the road, the vehicle must still be taxed and, if over 3 years old, have a valid MOT certificate and that cannot be obtained without a contract of insurance - unless the vehicle is being taken to or from a pre-booked MOT test or to or from having repairs done in order to pass an MOT.
That would, in itself, sink the suggestion that the cars be "owned" by your brother but in any case, this would be a deception and amount to insurance fraud. If you had an accident the insurer would probably deem it to be deliberate non-disclosure pay out to the third but but then put you onto the insurance fraud database and might find you could never get any insurance - for anything - ever again - from any insurer. They may also sue you to recover as much of the claim as possible.
If you are driving an vehicle to an MOT in these circumstances, make sure the testing station is expecting you and you have contact details so the Police can quickly verify it if you are stopped and carry your licence and insurance certificate so you can prove you have the minimum required cover.0 -
magpiecottage wrote: »However, to be legally driven on the road, the vehicle must still be taxed and, if over 3 years old, have a valid MOT certificate and that cannot be obtained without a contract of insurance - unless the vehicle is being taken to or from a pre-booked MOT test or to or from having repairs done in order to pass an MOT.
Your advice is incorrect.
You don't need a "contract of insurance" to obtain an MOT certificate - and you cannot drive a car on a journey to a "pre-booked MOT" without any insurance in place (if you have no insurance, though, you can get a mate to take it using his DOC extension)!
And all you need insurance wise to tax a car is an insurance certificate showing the car is insured on the day the tax comes into force. What you do about the insurance from day 2 of the tax period is up to you!0
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