Insurance question

dacouch

karenx wrote: »

You can also get done for no insurance that way. Happened to my friend. He was very silly and bought a porsche at a young age then found out couldnt afford the insurance. As he was already on his mums insurance for her car he stupidly registered the porsche in his dads name and drove about in it "thinking" he was insured third party. He was however involved in a crash and the police came out, they checked his insurance and found it was invalid as the car itself was not insured. So he now has an IN10, a ban and a loan for 15k for a car that was wrote off and not given a payout as no insurance. Sold the wrote off car on ebay for £1100 as scrap.

Not saying this is the exact situation of the OP, but just pointing out the worst case senario.

Your friend received an IN10 conviction for the simple reason that the driving other cars only applies to the policyholder and does not apply to the additional drivers. (The only Insurer I know who gives DOC to additional drivers is Chubb but it is a very very niche policy although apparantly RAC provide the DOC to the declared main driver)

Quentin

dacouch wrote: »

(The only Insurer I know who gives DOC to additional drivers is Chubb but it is a very very niche policy although apparantly RAC provide the DOC to the declared main driver)

Yes, RAC insurance only give DOC cover to the main driver on the policy (irrespective of whether or not the policyholder is also the main driver)

[Deleted User]

Why not just buy some 1 day temp insurance for the estate. Or if it works out cheaper, hire a van. Better safe than sorry!

swannee_D_3

thanks for the replies, can I ask what DOC is?

FlameCloud

Driving other cars.