Insuring Car X but then actually driving Car Y insured with your policy?

KayDappa

If the insurance is for a different car then technically, the car you would be driving will be uninsured and I am sure you know the problems that come from that. I advice you not to.

http://www.noclaimsdiscount.co.uk/news/art_display.php?show=200812311

Quentin

Quite wrong.

What you are saying is that anyone using this extension to drive someone else's car would be driving uninsured.

Your link is totally irrelevant as it is discussing uninsured drivers.

Just more scaremongering.

shelly

Quentin wrote: »

Just more scaremongering.

Or someone who just read the OP and hit the post reply button without reading the whole thread :rotfl:

FlameCloud

dacouch wrote: »

Informative posts Andrew, I agree that in theory if he does everything correctly he should be covered by the policy that there are so many potential pitfalls in doing what he proposes.

I really agree with this. For the op's own sake, I would detail EXACTLY what it is you want to do in writing and send it to Quinn. Not doing so will invoke a huge row about a breach of utmost good faith if you need to claim.

little_miss_messiah

I deal with vehicle ssiezed by the police.

I am not proposing myself to be a legal expert, but understand the mechanics of can and does happen:

1: I see an awful lot of Quinn insurance certs for young drivers AFTER they have had their vehicle siezed - ie they had no insurance in the 1st place and quinn i believe allow you to print your certificate off the internet - I guess they specialise in young drivers - no idea what the cover's like but they also regularly do not update the MID for weeks - this can mean your veh is siezed even tho you are insured - my police force policy is that if the vehicle is siezed and no insurance is showing any recoup of the recovery cost is between you and the insurer as its their error - if not feel free to write to legal services and see how far that gets you....

2: My standrad spiel is'....otherwise all the 17yr olds would be insuring Fiestas and driving Ferarris' a bit extreme, but how do you expect the insurance company to grade your risk when you are insuring a vehicle you arent even driving?

3: I think most insurers on quoting ask if this you main vahicle and if in fact you have access to other vehicles, you could not honestly state the banger is your main vehicle

4: The banger will shown as insuered to your Dad, but if your not on their as a named driver I'm afraid the vehicle is going to get carted off still

5: And it will only be released on production of insurance NAMING that vehicle - ie not a traders martini (any time any place any car) policy

Sorry genuine traders out there but it is the case that some unscrupulous types 'hire out' their cover notes for the purpose of uninsured dricers to produce.

dacouch

I agree with you little miss messiah it is highly likely if he gets stopped the police will impound the car at his cost and then the only way he will get it out is his dad going down with the certificate he has specifying the car to get it out. Alternatively he would have to "sell" the car and the new owner produce a certificate specifying it. Either way its would be inconvenient and expensive

If anyone is going to be pulled over by the police frequently it is going to be a male teenager in a bmw, probably not fair but thats how it works

P.S Last time I looked a certificate printed off by the customer (Not the broker or Insurer) is not classed as a valid proof of insurance. I may be wrong as I know the government is / was in the process of changing the law to allow this due to the advent of the tinternet

Thanks for the post miss messiah its nice to have a non insurance / customer post on here and its an informative answer. The information you have posted most people will not find out until they have had their car seized.

P.S If you want to check whether your car has been entered onto the MID / the details have been entered correctly you can do it here...

http://www.askmid.com/askmid.aspx it could save you having your vehicle taken away if your Insurer have not logged it or have entered the wrong reg. If it does not show up on this website which is connected to the one the police use to check then YOU SHOULD CONTACT YOUR INSURER ASAP to sort it out.

darky

Guys,

Think about this. To insure the banger you would have to answer a question stating is this the main vehicle you drive - you would answer yes when in fact that is a complete lie as it isn't - you will be driving the Leon only

Your Dad would also have to insure the Leon (which in itself is an issue as a car is only supposed to be insured once) and have to declare if he is the main driver of the Leon. Again he is likely to answer yes when in fact he is not.

If you really thought that this was upfront and honest you wouldn't have posted this thread in the first place. Simply put (if) the insurer finds out all this at the time of a claim and refuses to pay out you'll be complaining on this forum again.

There is a reason why insurance is expensive for young drivers and that is because they have more accidents. If you can't afford the insurance take the bus!

Quentin

1) You don't have to state that you will be the main driver when you insure a vehicle,

2) How will the Leon bi being insured twice?

The op has repeatedly posted that he has discussed his plan with the insurer who has confirmed his eligibility. So why suggest he is being dishonest?

darky

You do have to state that you are the main driver of the vehicle when you insure a car.

The father will be insuring the car on the basis that he is the main driver which is inaccurate.

On the fathers insurance policy the car will also allegedly be "owned" by the father when in fact all the repair costs/maintenance/fuel will be paid for by the son - how is this honest?

This is not a "loophole". This is insurance fraud and it doesn't matter which way you present it. If its not why is the father insuring a car which actually isn't his?

The DOC extension is only supposed to be for emergencies and taking advantage of this will only mean that insurers stop providing it. So once again the actions of a few f**k it up for everyone else....thanks

Quentin

darky wrote: »

You do have to state that you are the main driver of the vehicle when you insure a car.

No, you are wrong.