Uninsured Cars - Legal if not driven?

leeds_lad_3

I have a complicated situation. Does anyone know the facts, and are able to provide links to said facts?

My friend owns a car which he recently bought second hand.
He has sent off his details to the DVLA as the new owner.
The car has Tax & MOT which were put on by the previous owner.
He has not taken out an insurance policy on this car at all.

My questions are:

1. Since I am insured fully comp, and it states I can drive other cars 3rd Party, am I insured to drive his car 3rd Party with his permission, even though the car itself has no insurance policy?

2. As long as he does not drive the vehicle himself, is it legal to leave the car parked on the road?

I cannot see anywhere that this is not the case, but wanted to check to be on the safe side.

Thanks :beer:

keys_2

Ive often thought this question too , thanks for posting
Hopefully someone will be here soon with the correct info

jazza77

Someone who knows for sure will hopefully answer your query tomorrow, but I think to be on the public highway the car must have at least 3rd party insurance even if not being driven.

jazza77

A quick search on google seems to confirm my thoughts

http://uk.answers.yahoo.com/question/index?qid=20090830011428AAFK0k6

leeds_lad_3

So this site suggests that being parked on a road constitutes that the car is being used on the road, and as such must be insured. However if it is parked on a driveway there is no need to insure http://www.nopenaltypoints.co.uk/unused-car-parked-street-does-need-insurance.html

So that answers my first question - anyone help with the second question (can i legally drive the car)?

dacouch

It depends on the wording of your policy, which insurer are you with?

leeds_lad_3

Aviva - I spoke to their call centre guy who seemed to think it was OK - but it was an Indian call centre which didn't really reassure me... So thought I'd take the advice of random internet dudes instead - obviously the sensible option, sure it will stand up in court!

sarah_b_2

confirm it with your insurance company, i think you can but just check

dacouch

You would be covered for third party only on your Aviva Policy (Assuming it includes Driving Other Cars). They do not stipulate the other car needs to be insured, but they do stipulate "you still have your car and it has not been damaged beyond cost
effective repair"

Page 16 http://www.aviva.co.uk/library/pdfs/car/NMDOC5616.pdf

Be aware though that you will probably get pulled over by police cars equipped with ANPR cameras a lot

shelly

As Dacouch says it depends on the wording of your policy.

My hubbys policy says ''The Policyholder may also drive with the consent of the owner private motor car not belonging to him/her and not hired to him/her under a purchse hir agreement''

Says nothing at all about the other car having to have it's own insurance policy.

dacouch

shelly wrote: »

As Dacouch says it depends on the wording of your policy.

My hubbys policy says ''The Policyholder may also drive with the consent of the owner private motor car not belonging to him/her and not hired to him/her under a purchse hir agreement''

Says nothing at all about the other car having to have it's own insurance policy.

I think you are referring to his Certificate of Insurance, if you look in his policy booklet under the "Liability" or it may be called "Liability to Others" it will have restrictions