Insured driver, uninsured car

Alias_Omega

its all gravy, just ensure car was MOT's at the time which is what they may ask for if there is a problem, though a MOT certificate is only really valid on that day.

Tax, insurance is all up too your sister to sort out.. and the police may deal with accordingly if needed.

Stella66

The MOT is okay, the car is an 06 registration (bought Jul 2006) and is still exempted from MOT and the tax expires on 31 July.

Rikki- Do not worry, l am open to all sorts of advice on this matter, good or bad, right or wrong as it prepares me for the worst scenario.

*MF*

Hi ... again - without altering anything I said earlier - I will expand a bit - but don't worry, i think you will be ok - once you clarify everything with Albany, ok?

Your certificate of Insurance states that with the owners permission you are insured whilst driving another car - that is why i said don't worry on that score - but the "driving other cars" extension is one of the worst understood parts of motor insurance - usually in a pub discussion, or as in this thread, lol - because it is NOT given by all insurers, and allows you to drive "insured" but does not provide cover for the vehicle you are driving - it is limited to the insurance required by the Road Traffic Act - principally damage or injury you may cause whilst driving, ok.

If you want double confirmation - from the horses mouth so to speak - use this extract - a bit down on the link which follows it - from the Association of British Insurers:

Driving Other Cars - Many policies cover the policyholder while driving a car which belongs to someone else. However, cover will be limited to third party only, even if you have a comprehensive policy for your own car. Accidental damage to the borrowed car will not be covered by your insurance.

http://www.abi.org.uk/Display/default.asp?Menu_ID=1140&Menu_All=946,1140,0&Child_ID=415

I repeat - your insurance allowed you to drive legally - the other party caused the accident - you have independent witnesses - and Albany will have dealt with literally thousands of such claims - tell them what they need to know and let them get on with it, ok?

FlameCloud

Oooooooohhhh wrote: »

I would be very surprised if you are insured in this case so issues

1) You could be prosecuted
2) there is a law against allowing others to drive your car uninsured - sister prosecution
3) You are uninsured and are not entitled to repairs etc, if the other party contests at worse you will have a lengthy expensive court fight on your hands personally

I'm sorry, this is complete rubbish.

You clearly have no knowledge of the insurance industry and are only serving to panic the OP.

As myself and others have said, she should be perfectly fine.

raskazz

To the OP - please rest assured that FlameCloud and *MF* are spot on in the advice that they are giving (well, unless one was to be catastrophically pedantic and note that TPO cover provided under the 'driving other cars' benefit does extend somewhat over and above Road Traffic Act cover!).

I wish I could say the same about some of the other contributions to a potentially serious matter.

*MF*

* Catastrophically pedantically corrected ... he returns to the day job!!! *






:A

Alias_Omega

Oooooooohhhh wrote: »

If you drive a vehicle, it is your responsibility to ensure its legal to drive, I can't say I have heard of an insurer who doesnt insist on the car being insured fully also.

If this is the case the OP was not insured and is legally liable to prosecution plus possible costs of the incident depending on fault

Ignore, just causing you hassle.

As said above, the car is only insured when you are in it, when you get out of it, the car becomes uninsured and liable to be crushed, towed etc.

Steve1981

Rikki wrote: »

If you drive someone else car where you are not a named driver on their insurance you use your own insurance as third party cover. Making you liable for any claim and costs.

I don't know how you will stand as the vehicle you were driving wasn't covered on an insurance policy. As basically you were driving an uninsured vehicle making your insurance invalid for this vehicle too.

I really don't know what to say.

You wont know until you explain the lack of insurance for the vehicle for four days.

you need to consider that not all policies include the driving other cars extention, and secondly you CAN drive an uninsured car under the DOC extention, however it is only valid whilst you are driving it, so if you get out of the vehicle there is now cover.

Driving Other Cars should really only be used for real emergency situations, not ones like picking kids up from school, or taking somehome from the pub because they have had too much to drive. These are the reasons behind some insurers removing it from policies

roddydogs

Did the Police not give you a "HORTI" (to provide insurance, Mot, driving licence) at a Police station?

Alias_Omega

Steve1981 wrote: »

Driving Other Cars should really only be used for real emergency situations, not ones like picking kids up from school, or taking somehome from the pub because they have had too much to drive. These are the reasons behind some insurers removing it from policies

No I disagree with this, in the past ive had a policy with norwich union. The wording on the policy said 'any other veichle' which i enquired about, the car policy covered me for riding bikes too..

It covered whatever was on your license, be it truck, car, bike, whatever..

Really good i thought.