Quick car insurance question.

Paradigm

My son has sold his car, the buyer took it away yesterday.

His insurance covered him to drive with 3rd party cover "any vehicle not belonging blah blah"

As he no longer has a car I'm arguing that his insurance is now not valid for driving other cars but I'm being told I'm wrong.

Anyone know?

axomoxia

One for the insurance company! If he can keep it, it would be very useful if buying privately and wanting to test drive a car.

neilmcl

You are correct. His insurance is no longer valid and he should in fact inform his insurer of his change of circumstance.

dacouch

It depends which company he is insure with.

Which company is it?

dee24

Hi
i work for an insurance company, he is no longer covered as the insurance will only cover him to drive other cars while he actually has a car of his own insured under the policy. however, if he uses another erson's car, they can insure him on the policy as a temporary driver if their insurance company allows it, usually at a small extra premium. So while your son has no vehicle of his own insured he has no cover.

hope that helps you x

Paradigm

dacouch wrote: »

It depends which company he is insure with.

Which company is it?

Not sure but think it's More Than, could be wrong though.

He's not here & I don't know where his docs are so I can't check.

dacouch

Dee24 you are generalising and quoting just for your own Insurer, there are plenty (Probably the majority and I would not be surprised if that included the Insurer you work for) that do not stipulate you still have to have the car / it in not written off.

dacouch

Here is the relevant part of the More Than Policy regarding driving other cars

B YOUR COVER WHILE DRIVING ANY OTHER CAR
This policy covers you for the cost of any claims if you are legally responsible for:
• causing injury to or the death of anyone; or
• the damage you cause to another person’s property (we will pay up to £20,000,000, including legal costs,
for any claim or claims arising from one incident).
You are covered while driving any other car only if all the following apply:
• You are 25 years of age or older
• You are driving with the owner’s permission
• You are not entitled to make a claim for the damage under any other policy of insurance
• The car is not owned by (or hired under a hire purchase agreement by or leased to) you or your partner
• The car is being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the
Channel Islands.

http://www.morethan.com/Process/Documents/motorpoli.pdf page 7

Paradigm

dacouch wrote: »

Here is the relevant part of the More Than Policy regarding driving other cars

B YOUR COVER WHILE DRIVING ANY OTHER CAR
This policy covers you for the cost of any claims if you are legally responsible for:
• causing injury to or the death of anyone; or
• the damage you cause to another person’s property (we will pay up to £20,000,000, including legal costs,
for any claim or claims arising from one incident).
You are covered while driving any other car only if all the following apply:
• You are 25 years of age or older
• You are driving with the owner’s permission
• You are not entitled to make a claim for the damage under any other policy of insurance
• The car is not owned by (or hired under a hire purchase agreement by or leased to) you or your partner
• The car is being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the
Channel Islands.

http://www.morethan.com/Process/Documents/motorpoli.pdf page 7

Thanks for that but I'm not sure it covers this situation! While his insurance is still running, he doesn't own the car that's covered.

Looks like a phone call is in order tomorrow.

dacouch

If you phone them they will want him to cancel which will invoke fees, I cannot find anything in their policy that stipulates the driving other cars is not operative if you do not have the original car still. There is also nothing I can find that states the policy is in operative if you no longer have the vehicle.

If he has a certificate of insurance that states he is covered and the policy is still in force he is covered as far as the police are concerned. In the abscence of anything in the policy excluding this situation then More Than would have to meet the claims. (They will not ne happy about it but they would have to deal with the claim)

neilmcl

dacouch wrote: »

Dee24 you are generalising and quoting just for your own Insurer, there are plenty (Probably the majority and I would not be surprised if that included the Insurer you work for) that do not stipulate you still have to have the car / it in not written off.

Your policy is only valid if you have the vehicle in which it covers, thats for all companies as far I'm aware. If you get rid of the vehicle and don't inform the insurance company as to this material change then you are no longer covered, simples.