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Insured to drive any car but...
Comments
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Ignore this.
It doesn't mean the other car needs its own insurance at all! (eg Were it true, which insurer would pay for any claim?)
And how would you get the uninsured car to the friendly farmer's private road?
Ignore this.^
The driver of the car would be liable for third party claims.This would be covered by their insurer.
From my insurance certificate
The policyholder may also drive with the owners permission a car not owned by the policyholder... This is provided the owner of the car has valid insurance in force on that car...0 -
I've never had a policy that said the other car needed insurance as well.
Mine is valid to drive any other car not owned by me, regardless of whether it is insured in it's own right or not, (but one exception is picking up from a police impound yard)
My policy also states the same thing , i can drive any other car not owned by me , as long as i have permission of the owner and its only on a third party basis.
It seems that if a potential buyer comes to look/buy your car , its all down to the wording on their own individual insurance policy whether or not they will be covered for your car . It would be best to ensure you check this with them BEFORE you allow them to drive your car !0 -
Norman_Castle wrote: »Ignore this.^
The driver of the car would be liable for third party claims.This would be covered by their insurer.
From my insurance certificate
The policyholder may also drive with the owners permission a car not owned by the policyholder... This is provided the owner of the car has valid insurance in force on that car...
Actually very very few Insurers stipulate that the other car you are driving under the DOC extension must have it's own insurance.
I'm not sure an Insurer would be allowed under the RTA to include a wording stating that the other car must have it's own insurance (I could be wrong). The few companies I have seen that have this stipulation do not mention it on the certificate but include it in the policy wording0 -
My policy states I can drive any other car on a third party basis.Don't lie, thieve, cheat or steal. The Government do not like the competition.
The Lord Giveth and the Government Taketh Away.
I'm sorry, I don't apologise. That's just the way I am. Homer (Simpson)0 -
I've never had a policy that said the other car needed insurance as well.
Mine is valid to drive any other car not owned by me, regardless of whether it is insured in it's own right or not, (but one exception is picking up from a police impound yard)
Does your policy say "regardless of whether it is insured in it's own right or not,(but one exception is picking up from a police impound yard)".
Can I suggest anyone planning on driving an otherwise uninsured car using their driving other cars extension checks with their insurer.0 -
Actually very very few Insurers stipulate that the other car you are driving under the DOC extension must have it's own insurance.
I'm not sure an Insurer would be allowed under the RTA to include a wording stating that the other car must have it's own insurance (I could be wrong). The few companies I have seen that have this stipulation do not mention it on the certificate but include it in the policy wording
Just to let you know, this is incorrect. Most companies stipulate that the car you are driving on 3rd party basis must be insured in its own right. Check your individual paperwork for clarification.
My friend recently fell prey to this. Driving his wifes car on 3rd party basis - he was stopped by the police after they spotted the car was uninsured. Although it was a genuine mistake, he still got 6 points on his licence and a £60 fine.0 -
Just to let you know, this is incorrect. Most companies stipulate that the car you are driving on 3rd party basis must be insured in its own right. Check your individual paperwork for clarification.
My friend recently fell prey to this. Driving his wifes car on 3rd party basis - he was stopped by the police after they spotted the car was uninsured. Although it was a genuine mistake, he still got 6 points on his licence and a £60 fine.
Sorry but you are incorrect, the vast vast majority of Insurers do not stipulate the other car is insured.
If you tell me who you are insured with it is highly likely they will not stipulate it. I'll get copy and paste the relevant part of your policy to prove it.
Alternatively pick a random well known Insurer and I'll do the same service for you0 -
My cousin got pulled by police in a car that was not insured in its own right, all she had to do was give her name and address and the registration number of her car, the police checked to see if she was covered for third party (she was). All they said was that while my cousin left the car to go in the shops the car would not be covered if it got stolen (fair enough).
The only other comment they made was, why was she driving a Rover 214 when she had a BMW convertible?
ML.He who has four and spends five, needs neither purse nor pocket0 -
My cousin got pulled by police in a car that was not insured in its own right, all she had to do was give her name and address and the registration number of her car, the police checked to see if she was covered for third party (she was). All they said was that while my cousin left the car to go in the shops the car would not be covered if it got stolen (fair enough).
The police were talking nonsense. The driving other cars extension gives the driver third party cover only.
Thus should the car be stolen/damaged/set on fire etc, then no insurer was liable (irrespective of whether she was in it or not)! And if it was left on the road whilst she went shopping, then the car would be uninsured, and liable to be towed away!0 -
My Fully Comp Policy says I can drive any other car.
Thought that was fine until my car went in for some Warranty work.
the garage questioned my insurance and promptly asked me to ring to make sure before they gave me a courtesy car.
Low and behold, driving other cars did not cover Courtesy cars (the garage had been stung before when the customer clattered it).
Cost about £25-30 to cover me for the courtesy car for TWO DAYS!! Fortunately the garage paid it as mine was a warranty fault.
I'm happy to have Insurance, but hate the way you can never be certain you are going to be covered, despite your best endeavors.0
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