Driving other vehicles.

Wig

mollycat wrote: »

But in the vast majority of cases that car WILL need to be insured in it's own right.

No, rubbish, the vast majority of the policies I have checked on this have had no requirement the other car to be insured.

SUGGEST OP looks at his policy and reads it, if he is any doubt, then to type what it says into this thread and/or phone his insurer, but customer service agents are not unknown to get this wrong. Whatever it says in his policy will be the gospel irrespective of what the CS agent tells him on the phone.

real1314

Seems to be ok with Bell.co.uk (who are part of the same group as Admiral & Elephant):-

Page 10; Section 1b.

http://www.bell.co.uk/policyDocs/bl12_PB_A5_POLICY_BOOK_0909.pdf


Why do so many people comment on things that they are actually quite un-expert in? Do they just like the sound of their own opinion?

DaveMacD

Well, just as an aside, I used to be with Elephant, and one of the reasons I am no longer with them (apart from a huge price hike) was that I found out that they had dropped my DOC cover without telling me

david29dpo

So what happens if someone borrows a friends car (uninsured by the owner) parks it on the high street and it bursts into flames taking the next car with it?

dacouch

david29dpo wrote: »

So what happens if someone borrows a friends car (uninsured by the owner) parks it on the high street and it bursts into flames taking the next car with it?

If your parked car catches fire and causes damage to other cars or property then it comes under the same civil law as if it was insured. This is you are legally liable if the fire could have been "Reasonably Avoided". So basically if your car was well maintained and had say an electrical fault you would not be liable for the damage to the neighbooring cars. (If your car had been showing signs that it had a fault and you ignored the signs you MIGHT be liable if the other people could prove this).

If someone had commited arson on the car then you would not normally be liable as in most cases you could not "Reasonably Avoid" this.

If you had left a lit cigarette in the ash tray and left the car and that had caused the fire this would probably mean you are liable (if they could prove it) as this would normally be deemed as being something that the actions of a "Reasonable Person" would have not done.

Civil law basically looks at whether the actions of a "Reasonable Person" would have caused the fire.

vikingaero

dacouch wrote: »

If your parked car catches fire and causes damage to other cars or property then it comes under the same civil law as if it was insured. This is you are legally liable if the fire could have been "Reasonably Avoided". So basically if your car was well maintained and had say an electrical fault you would not be liable for the damage to the neighbooring cars. (If your car had been showing signs that it had a fault and you ignored the signs you MIGHT be liable if the other people could prove this).

If someone had commited arson on the car then you would not normally be liable as in most cases you could not "Reasonably Avoid" this.

If you had left a lit cigarette in the ash tray and left the car and that had caused the fire this would probably mean you are liable (if they could prove it) as this would normally be deemed as being something that the actions of a "Reasonable Person" would have not done.

Civil law basically looks at whether the actions of a "Reasonable Person" would have caused the fire.

The other point that is overlooked is that once you park and and leave your friends car and pop off to the shops/bank etc then it automatically becomes uninsured as you are no longer in charge of it. You friends car will be liable to seizure and will face points and a fine - a nice way to dob your friend in it!

Wig

vikingaero wrote: »

The other point that is overlooked is that once you park and and leave your friends car and pop off to the shops/bank etc then it automatically becomes uninsured as you are no longer in charge of it. You friends car will be liable to seizure and will face points and a fine - a nice way to dob your friend in it!

No it won't, because seizure only applies to uninsured cars that are being driven uninsured, or have "failed to stop" in the last 24hours.

vaio

dacouch wrote: »

If your parked car catches fire and causes damage to other cars or property then it comes under the same civil law as if it was insured. This is you are legally liable if the fire could have been "Reasonably Avoided". So basically if your car was well maintained and had say an electrical fault you would not be liable for the damage to the neighbooring cars. (If your car had been showing signs that it had a fault and you ignored the signs you MIGHT be liable if the other people could prove this).

If someone had commited arson on the car then you would not normally be liable as in most cases you could not "Reasonably Avoid" this.

If you had left a lit cigarette in the ash tray and left the car and that had caused the fire this would probably mean you are liable (if they could prove it) as this would normally be deemed as being something that the actions of a "Reasonable Person" would have not done.

Civil law basically looks at whether the actions of a "Reasonable Person" would have caused the fire.

Are you saying that if I park my TP only insured car next to yours which then catches fire and destroys both I only get paid if you did something silly rather than you being automatically liable?

dacouch

It's the same principle if your neighboors house catches fire and causes damage to your house, you can only obtain recourse if they are "legally liable". Which is basically could the fire have been avoided by the actions of a reasonable person.

cyclonebri1

Wig wrote: »

Every policy I have ever had, (and I change provider regularly every year) has not stipulated other car needs to be insured. These include:
Nationwide
Prudential
Admiral
CoOp
Tesco
frizzel
Direct Line
cornhill

I have to admit that I checked the 4 policy documents that I have at home. 2 were general policys, Dirctline and Coop. They did not specify the need for existing insurance, the other 2 were classic and specialist types, 1 was specific to the notified car only and the other would cover a "borrowed" car but only on notification to the broker :beer: