insurance help

Wig

angela_stone wrote: »

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.

Anyone who comes to view, explain on the phone beforehand that if they intend to take a test drive, that you will accompany them and they MUST bring with them their own insurance cover including

• Their valid Certificate of Motor Insurance
• Their policy document illustrating the clause for Driving other cars which is always found in the section on "third party risks"
• A photo driving licence - because it is also your responsibility to ensure they have the correct driving licence, and this acts as ID aswell

With this information you will have to read the policy document to ensure that the wording in the policy makes no mention of any requirement for the vehicle being borrowed to have it's own insurance -about 10% (guesstimate based on this topic being done to death many times on this forum before) of insurance policies do make this requirement- and if it says that you will have to refuse them to drive the car because it's not worth the risk.

You might also consider phoning the insurance company and asking the policy holder to talk to them, for them to confirm to you that the policy is still valid.

Another thing to do to make absolutely certain that you are covering all the bases is to keep a log of who drives the car with your permission on what day and at what time and their policy number with the name of the insurance company.

If you do all the above you will be absolutely fine - unless they have a bump in which case damage to your car will not be covered on insurance and you will have to seek compensation from the driver.

benham3160

Wig wrote: »

Anyone who comes to view, explain on the phone beforehand that if they intend to take a test drive, that you will accompany them and they MUST bring with them their own insurance cover including

• Their valid Certificate of Motor Insurance
• Their policy document illustrating the clause for Driving other cars which is always found in the section on "third party risks"
• A photo driving licence - because it is also your responsibility to ensure they have the correct driving licence, and this acts as ID aswell

With this information you will have to read the policy document to ensure that the wording in the policy makes no mention of any requirement for the vehicle being borrowed to have it's own insurance -about 10% (guesstimate based on this topic being done to death many times on this forum before) of insurance policies do make this requirement- and if it says that you will have to refuse them to drive the car because it's not worth the risk.

You might also consider phoning the insurance company and asking the policy holder to talk to them, for them to confirm to you that the policy is still valid.

Another thing to do to make absolutely certain that you are covering all the bases is to keep a log of who drives the car with your permission on what day and at what time and their policy number with the name of the insurance company.

If you do all the above you will be absolutely fine - unless they have a bump in which case damage to your car will not be covered on insurance and you will have to seek compensation from the driver.

Road Safety Act 2006: -

"Section 22"
The second condition is that the vehicle is covered by the policy or
security because—
(a) the policy or security covers any vehicle, or any vehicle of a
particular description, the owner of which is a person named in
the policy or security or in the certificate of insurance or security
which relates to it, and

(b) the vehicle is owned by that person.

Yes, another named policy for the vehicle is required.

Regards,
Andy

jd82

Benham is right, without an insurance policy for the car itself anybody elses policy which enables them to drive any car is invalid. You need to get it insured even on a temp basis until its sold.

Wig

jd82 wrote: »

Benham is right, without an insurance policy for the car itself anybody elses policy which enables them to drive any car is invalid. You need to get it insured even on a temp basis until its sold.

No, he is not right. Read your own policy document and then come back here and post what it says.

benham3160

Wig wrote: »

No, he is not right. Read your own policy document and then come back here and post what it says.

Unfortunately sir, I honestly believe I am correct.

As backed up by the Road Safety Act, which has stipulated that a vehicle must have a named policy before extentions apply.

Regards,
Andy

Wig

benham3160 wrote: »

Road Safety Act 2006: -

"Section 22"
The second condition is that the vehicle is covered by the policy or
security because—
(a) the policy or security covers any vehicle, or any vehicle of a
particular description, the owner of which is a person named in
the policy or security or in the certificate of insurance or security
which relates to it, and

(b) the vehicle is owned by that person.

Yes, another named policy for the vehicle is required.

Regards,
Andy

Has not been brought into commencement.

dacouch

jd82 wrote: »

Benham is right, without an insurance policy for the car itself anybody elses policy which enables them to drive any car is invalid. You need to get it insured even on a temp basis until its sold.

It's an urban myth that is often repeated on MSE that when you drive another car under your driving other cars extension that it has to have it's own insurance. There are a very small minority of Insurers that do stipulate that the other car has it's own insurance but it is very rare and tends to be the cheap and cheerful companies such as Chaucer and Swift.

The vast majority of the market make no mention of this in their driving other cars wording so if this is the case then the other car does not need it's own insurance.

Quentin

benham3160 wrote: »

Unfortunately sir, I honestly believe I am correct.

"Unfortunately" for whom?

Your "honest" belief is ill founded. (Didn't they used to honestly believe the earth was flat??)

benham3160 wrote: »

Trust me here........

Are you trying to start a cult? Trust would be misplaced. You are preaching nonsense!

Shimrod

This thread has just prompted me to check my insurance policy. I always thought the car had to be insured in its own right for 'driving other cars' to provide cover - this was to stop someone getting insured on a cheap car but then driving a 'friend or relatives' performance car. Thinking about that though, that would be covered separately as 'fronting'.
Anyway, this is what it says from my LV policy https://www.lv.com/upload/lv-rebrand-2009/pdfs/insurance/car/Web_LV_CAR_DOI_20910718.pdf with no mention of the other car needing its own insurance.
(P9)
If your certificate of motor insurance says so, you the policyholder, are insured
under this section to drive a private motor car not owned by you and not hired
to you under a hire purchase or leasing agreement, as long as:
* the car has not been hired to you under a car rental agreement;
* the car is not a van which has been adapted to carry passengers;
* you have the owner’s permission to drive the car;
* the car is registered and normally kept in Great Britain, Northern Ireland,
the Isle of Man or the Channel Islands;
* you are not covered by any other insurance to drive it; and
* you still have your car and it has not been damaged beyond cost
effective repair.

jd82

Mine says I can drive any car providing I have the owners permision AND that the car also has an insurance policy covered on it.