Driving other vehicles.

Fork86

Hey guys, a quick question.

My BIL's old car (which is taxed and MOT'd) is currently being unused and parked outside my house. I have fully comprehensive insurance and am allowed to drive other motor vehicles not owned by me.

Now if the car itself isn't insured by anyone else (when my BIL was using it, he had 3rd party only insurance on it, but he has a new car now), will I still be able to drive it? My car will be going into the garage next week for 2 days and so I won't be driving it too much, and I obviously have my BIL's permission.

custardy

i think the issue is its only covered when you are driving it
so it isnt covered for theft or 3rd party when parked up

missile

The terms for cover to drive other vehicles varies depending on which insurer. For example, some insist that the vehicle is insured whilst others do not. You will need to check your policy carefully or phone and ask.

Just_Incredible

In order to drive it your BIL needs to have the car insured before your insurance can cover you

angeltreats

My policy says I am insured to drive other cars. It doesn't stipulate that the other cars must already be insured.

cyclonebri1

Thr norm is that the car has to be insured by someone else before your insurance will cover you to drive. Anyone who thinks differently should check the t&c of their policy very carefully as the only ones I've seen that operate this way are motor dealer policies and they don't come cheap for the simple reason you then can drive any number of cars:T

Altarf

cyclonebri1 wrote: »

Thr norm is that the car has to be insured by someone else before your insurance will cover you to drive.

There is no 'normal'.

Historically the vast majority of policies had the DOC clause and made no requirement that the other car be insured, because the insurance companies had never thought that it would be abused like it is.

We are now in a transition phase with some companies not having the DOC clause, some limiting it to drivers over a certain age (because young men seem to be the biggest problem), and some including the requirement that the car be insured in its own right.

mollycat

angeltreats wrote: »

My policy says I am insured to drive other cars. It doesn't stipulate that the other cars must already be insured.

Thats because its taken as a given!!

Just say you are driving car reg S123BCD, it's not insured by its owner.

When the police come up behind you and enter that reg into it's database, it will show this vehicle as NOT insured.

YOU will be driving without insurance and will be liable for prosecution!!

Altarf

mollycat wrote: »

YOU will be driving without insurance and will be liable for prosecution!!

Wrong. Provided the DOC clause does not stipulate the other car needs to be insured in its own right, you are insured and any prosecution will fail.

However unless you have a copy of your insurance certificate on you with the DOC clause, then the police will seize the car.

vikingaero

Lots of misconceptions here but Custardy is the most spot on.

Some Insurers require the other car to be insured, others don't.

Most Insurers require you to be over 25 for the DOC extension.


If you drive the car from private land to private land then fine. If you drive the car to the shops, or private land where the public have access such as a supermarket car park, then as soon as you step out of the car it is uninsured. Your BIL could be charged with allowing an insured vehicle on the roads and allowing you to drive an uninsured vehicle

DaveMacD

Double check your policy documents. As you may have guessed from the other replies, it varies between insurers.