We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Police, car insurance -driving uninsured car on "driving cars not owned clause"
Options
Comments
-
Every car has to be insured by somebody in its own right to be legally driven on a public road. This has always been the case and every policy I have ever seen has stipulated that. The extension on your policy merely gives you the right to drive it (third party only) too - but the car still has to be insured.I used to think that good grammar is important, but now I know that good wine is importanter.0
-
Tight_Old_Git wrote: »However there will be no insurance on the vehicle when parked
I'd argue that whilst it has been loaned to the driver with insurance - it is insured against third party risk. It could be that what you said is myth No 3.0 -
I used to work for an insurance company and in this instance you would be legally covered as far as motoring offences are concerned, if stopped by police. However, it would show up as uninsured on their database, but on production of your certificate, you could not be convicted of driving without insurance - that's definate.Full article here if you want to read it. Also it lists which insurers are planning to withdraw the privilage.
http://www.guardian.co.uk/money/2005/aug/13/motorinsurance.insurance
From your link; - "Cover is on a third-party basis only and the borrowed car has to be insured by the owner."Don`t steal - the Government doesn`t like the competition0 -
Yes, I think its best to carry the insurance certificate, otherwise they'll want to confirm with my insurance company or seize the car.
You will need to carry the insurance certificate, AND the policy book with the relevant policy clause highlighted, and preferably a personal letter from your insurer agreeing that you will be insured, otherwise plod (being a law unto themselves will tow you first and ask questions later, leaving you to pick up the tab). You should also be aware of clauses which do not allow you to drive other cars whilst your car (the insured car) is damaged beyond economical repair. It all boils down to [strike]RTFM[/strike] RTFP and then double check with your insurer (just to see what they have to say on the matter.)0 -
It is different with other insurers, this has been previously proven, before, on this forum.oldagetraveller wrote: »The above taken directly from my own Certificate of Insurance. This clause might be different with other insurers but I've never known that to be the case. Hopefully answers the question fully?0 -
iolanthe07 wrote: »Every car has to be insured by somebody in its own right to be legally driven on a public road. This has always been the case and every policy I have ever seen has stipulated that. The extension on your policy merely gives you the right to drive it (third party only) too - but the car still has to be insured.
Well keep reading, and you will eventually find one that does not have the caveat you mention. Try Direct Line, Nationwide, Tesco, Churchill, & Prudential for a start. - all policies available online0 -
Like the other poster said....if you dont need the owner to insure the car, what is to stop someone buying me a ferrari and me driving it on my insurance?
Ok, it might not be covered when I get out of it and it gets stolen but MY insurers would not pay out to replace a ferrari if I write it off. They insure me to drive MY car,......not someone elses. THAT car has to be insured independently by the owner.0 -
My Zurich third-party policy allows my to drive other cars with owners consent, and doesn't stipulate that the car must be insured by it's owner. Oh, and that's cars registered in either the UK or ROI, too.
0 -
LittleTinker wrote: »Like the other poster said....if you dont need the owner to insure the car, what is to stop someone buying me a ferrari and me driving it on my insurance?
Ok, it might not be covered when I get out of it and it gets stolen but MY insurers would not pay out to replace a ferrari if I write it off. They insure me to drive MY car,......not someone elses. THAT car has to be insured independently by the owner.
You're not making a whole lot of sense, but I'll answer what I consider to be the intention of your post.
If you drove a Ferrari that was uninsured under this clause on your policy, the Ferrari itself would usually not be covered (because most clauses only insure the other car for third party risk. No-one in their right mind would buy a luxury car and drive it around on a third party only basis, and no cover at all for fire or theft. This is the reason why in reality this clause is not abused by many people.
Now it may be that in the past it was common to have comprehensive cover for the other vehicle, and that may have been abused too much and the insurers changed their policies to third party only.0 -
Nothing, but not insuring a Ferrari is quite a big risk to take.LittleTinker wrote: »Like the other poster said....if you dont need the owner to insure the car, what is to stop someone buying me a ferrari and me driving it on my insurance?
Ok, it might not be covered when I get out of it and it gets stolen but MY insurers would not pay out to replace a ferrari if I write it off. They insure me to drive MY car,......not someone elses. THAT car has to be insured independently by the owner.
The cover offered by your insurer when you drive other cars is 3rd party insurance. Other cars you hit will be covered same as always, but the car you're driving won't be.
If it's an expensive car than you might end up seriously out of pocket.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.8K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards