can you keep insurance running?

foreverskint

My 'friend' wants to borrow my car, as he has not got his anymore. I said he wouldn't be insured, but he said he's kept his insurance running, even though he doesn't own a car anymore. My question is whether or not he'd be covered still and able to drive my car with his insurance? I was under the impression that you need to own a car to have some form of insurance?

neilmcl

As far as I'm aware if he's paying for insurance but doesn't have his car anymore then he's just wasting his money because he no longer is insured. The insurance is for his vehicle not himself and as he no longer has it the cover no longer exists.

The_Banker_5

You have to tell the Insurance company of any changes or it invalidates your insurance anyway.

So I would have thought not having your car anymore was classed as a major change and the insurance company should be notified.

catflea

Tell him to get temporary insurance from tempcover or any other company - tempcover is the first one to come to mind.

Even if he did have valid insurance (which I dont think he does) if he had a prang then you'd be out of pocket having to repair your car!

Wig

Refuse him to borrow your car. Atleast until he comes round your place and phones his insurance and you speak to them and ask them if his insurance is still valid for driving other cars if he has no car himself.

Remember that if he prangs your car it will not be covered anyway, because his insurance wil only cover him Third party only for your car.

I would advise him to cancel his insurance and get any refund he is due, or quickly buy another car to transfer the insurance onto.

I advise you to only let him use it if he pays all your costs for putting his name onto your insurance policy. Which could be done for as little as £20, but again if he prangs it you lose your no claims.

foreverskint

Thanks for all the replies. I have refused him now, and i'm afraid he's got the hump about it, but there you go. Better that than me out of pocket I think. Cheers

dacouch

As other postershave pointed out quite a few Insurers stipulate that the Driver Other Cars part of the policy is subject to you still owning the car that is insured on the policy and it being driveable.

If your friend has the above on their policy it is therotically possible for the police to impound your vehicle for not having insurance. You would then have to take your insurance to the pound to remove the vehicle along with paying circa £150 to release it (Assuming you do it within the first day so there are no further storage charges)