car insurance question....can you help?

Deals_2

we have a car that is insured under my name with other half as additional driver with a comprehensive insurance policy. i have just recently been loan an additional as was struggling to cycle everywhere. Does a comprehensive insurance policy usually cover you to use another person's car? do they have to be comprehensive or can they be third party? woudl the main driver be the one to be insured or both of the drivers? what are the usual procedures? thanks in advance.

hewhoisnotintheknow

you will have to read the small print it varies

some say only in emergency situations

anewman

It will say on your policy document. The other car must also have an insurance policy on it. Otherwise we'd all buy 1 litre ford fiestas, get comprehensive insurance and park that on the drive, then go out and buy a sports car.

Deals_2

so dont quite understand the point about the 1 litre ford fiesta thing. sorry maybe you coudl make it clearer...???

anewman wrote: »

It will say on your policy document. The other car must also have an insurance policy on it. Otherwise we'd all buy 1 litre ford fiestas, get comprehensive insurance and park that on the drive, then go out and buy a sports car.

anewman

Any other car you drive (if permitted by your policy) must have insurance in it's own right. (I.e. the owner must have it insured.)

Rikki

anewman wrote: »

Any other car you drive (if permitted by your policy) must have insurance in it's own right. (I.e. the owner must have it insured.)

Another way to say what anewman is saying is.
You cannot use your car insurance policy to drive an uninsured car.
Also only the policy holder may drive another car using his own insurance not the named driver.

vikingaero

anewman wrote: »

Any other car you drive (if permitted by your policy) must have insurance in it's own right. (I.e. the owner must have it insured.)

Most policies with DOC extension do not specifically state that the other car has to be insured.

The problem if the other car isn't insured is that when it is parked up on the road or public space (such as a supermarket car park) then it is instantly uninsured and liable to seizure. Theoretically you could use DOC to drive a car from one off road place to another.

anewman

vikingaero wrote: »

The problem if the other car isn't insured is that when it is parked up on the road or public space (such as a supermarket car park) then it is instantly uninsured and liable to seizure. Theoretically you could use DOC to drive a car from one off road place to another.

That's not the way the police see it on the Road Cops type TV programmes. I remember them in one case leaving a man and his kids by the side of the road as they towed the uninsured car away.

vikingaero

anewman wrote: »

That's not the way the police see it on the Road Cops type TV programmes. I remember them in one case leaving a man and his kids by the side of the road as they towed the uninsured car away.

But the Police normally tow first and get you to prove your insurance details. Most people can't do that at the roadside. 99.9% of scrotes without insurance lie to the Police when stopped and are not given the benefit of doubt.

asbokid

anewman wrote: »

That's not the way the police see it on the Road Cops type TV programmes. I remember them in one case leaving a man and his kids by the side of the road as they towed the uninsured car away.

i think i saw that tv programme.. wasn't the man a dark-skinned immigrant with poor spoken english and, as such, no automatic right to justice, any way?

i have never understood why the vehicle is uninsured the moment that the 'borrowing' motorist leaves it unattended on the public highway.

i would have thought that 'the borrower' was still legally responsible for the vehicle until that responsibility was formally discharged by handing the keys to someone else, e.g. the normal keeper.