insurance help

angela_stone

Does anyone know where I stand with selling a car belonging to me without insurance? I have purchased a new car and want to sell my old one, the old one will be in the drive until someone wants a test drive. Any help most appreciated. Just concerned about ANPR checks I know that the potential buyer should have insurance but was wondering where that leaves me legally. thanks.

keith1950

Hi, most comprehensive insurance policies only cover the driver third party when driving other cars so they would be legally covered to drive the car with your permission but they would not be covered for damage to your car, I assume that the car is also still taxed.??

angela_stone

keith1950 wrote: »

Hi, most comprehensive insurance policies only cover the driver third party when driving other cars so they would be legally covered to drive the car with your permission but they would not be covered for damage to your car, I assume that the car is also still taxed.??

yes tax and mot.thanks

Gloomendoom

Make sure that you see written proof that they are covered to drive other cars.

It is still risky though. If they damage it and don't pay up you might end up having to sue them for the cost of repairs.

You can get short term insurance. Some companies offer overlap cover for both cars on one policy for just this kind of situation. It might be worth asking.

taffy056

Try this if someone is coming to test drive the car, not sure what the cost would be though

http://www.comparethemarket.com/24-hour-car-insurance/

benham3160

The "driving other cars" extention only generally applies to vehicles that already have a "proper" policy in place to cover other risks, such as the vehicle exploding whilst parked up, or a handbrake failing.

Unless there is a "proper" insurance in place, the DOC extention is worthless.

Regards,
Andy

mikey72

benham3160 wrote: »

The "driving other cars" extention only generally applies to vehicles that already have a "proper" policy in place to cover other risks, such as the vehicle exploding whilst parked up, or a handbrake failing.

Unless there is a "proper" insurance in place, the DOC extention is worthless.

Regards,
Andy

I've never had a policy that states the other car needs insurance. I can happily drive on just mine.

benham3160

mikey72 wrote: »

I've never had a policy that states the other car needs insurance. I can happily drive on just mine.

A vehicle needs to legally be insured for all third party risks, DOC extentions only cover driving.

Trust me here, many people have been caught out in the past. It's not the insurers per-se, it's simply the law. I suggest you phone your insurers for clarification.

That's why motortrade policies are expensive, because they cover driving other cars with full third party cover, ie. any vehicle in your custody.

Regards,
Andy

neilmcl

OP, personally, I would have carried on insuring both cars, albeit dropping the old on down the TPFT until you sold it. As it stands you're taking a risk that nothing happens to it whilst its sitting on your drive.

mikey72

benham3160 wrote: »

A vehicle needs to legally be insured for all third party risks, DOC extentions only cover driving.

Trust me here, many people have been caught out in the past. It's not the insurers per-se, it's simply the law. I suggest you phone your insurers for clarification.

That's why motortrade policies are expensive, because they cover driving other cars with full third party cover, ie. any vehicle in your custody.

Regards,
Andy

This has been done to death too many times, I know I'm insured, you know I'm not. We'll agree to differ.

Wig

benham3160 wrote: »

A vehicle needs to legally be insured for all third party risks, DOC extentions only cover driving.

Trust me here, many people have been caught out in the past. It's not the insurers per-se, it's simply the law. I suggest you phone your insurers for clarification.

That's why motortrade policies are expensive, because they cover driving other cars with full third party cover, ie. any vehicle in your custody.

Regards,
Andy

This is partly incorrect. Yes DOC covers you whilst driving. There would also be a bit of "grey area" law to overcome if the person who borrowed the car left it unattended on a public road/carpark and the RK received a ticket for no insurance. The RK could argue in court that as the vehicle was in the care of the borrower and had reasonably been left unattended on a public road for a short time whilst they went into a chemist or something that the borrowers insurance policy should still be liable for the car (third Party) whilst it was still in their care. This has never been done in court so we don't know what the outcome of the case would be.

The bit you have that is incorrect is that a vehicle must have it's own insurance to be driven by an authorised person on their DOC cover. This is nonsense -in most cases- because you have already admitted that the car will be insured against 3rd party risk whilst it is being driven by that driver, so there is no extra requirement for the vehicle to have its own insurance. This is ignoring the unlikely anomaly of the vehicle being left unattended in a public place. Ignored because it simply won't happen in the OPs situation.

There is also an argument that even if it does say in the policy that the other car must be insured that the insurance company could not withdraw cover if the other car did not have that cover -whilst being driven. I won't go into any detail, it's something I'm not sure about, it is as I say, just a point of view that may or may not be correct.