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Car Ownership / Insurance Question
Comments
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So as long as his insurance company know that i own the car, he can get insured. And it doesn't matter that I will not be renewing my insurance or driving it?? Thanks
He needs to tell his insurer he is neither the owner nor the registered keeper. Then its up to the insurer whether or not they will cover it.0 -
Further to that:
There is no obligation on the owner / keeper to have insurance for a vehicle that is kept on private land. There are plans to change that, to curb uninsured vehicles but they are not finalised yet.
If you (as the owner) do not have insurance then you cannot legally drive it on the road.
Anyone else who drives the car in public, with your permission can do so legally provided
1) they have bought a separate policy for them to drive the car and have been truthful with the insurer about the ownership and keeper.
OR
2) their have a policy on another car which specifically allows them to drive other vehicles. This cover will be Third Party only, i.e. it would not cover damage to your vehicle under any cirumstances. This is meant to cover occasional use only. If this is happening regularly, it would be best to make the insurers fully aware (in writing).
If you allow anyone to drive without either of the above, you are committing an offence and could get points on your licence and a fine.
Anyone who does not declare all the facts that the insurer might find relevant to the risk (eg: having exclusive access to another car, not being the main driver of the insured car), might find problems in the event of a claim.We need the earth for food, water, and shelter.
The earth needs us for nothing.
The earth does not belong to us.
We belong to the Earth0 -
The car itself must also be insured.thenudeone wrote: »Further to that:
There is no obligation on the owner / keeper to have insurance for a vehicle that is kept on private land. There are plans to change that, to curb uninsured vehicles but they are not finalised yet.
If you (as the owner) do not have insurance then you cannot legally drive it on the road.
Anyone else who drives the car in public, with your permission can do so legally provided
1) they have bought a separate policy for them to drive the car and have been truthful with the insurer about the ownership and keeper.
OR
2) their have a policy on another car which specifically allows them to drive other vehicles. This cover will be Third Party only, i.e. it would not cover damage to your vehicle under any cirumstances. This is meant to cover occasional use only. If this is happening regularly, it would be best to make the insurers fully aware (in writing).
If you allow anyone to drive without either of the above, you are committing an offence and could get points on your licence and a fine.
Anyone who does not declare all the facts that the insurer might find relevant to the risk (eg: having exclusive access to another car, not being the main driver of the insured car), might find problems in the event of a claim.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
The car itself must also be insured.
It depends entirely on the policy - many do not stipulate that a separate policy needs to exist to drive another car.
Some policies do explicitly ask for this - e.g. First Direct have introduced this specific requirement this year.
"Your policy provides the minimum third party only cover as provided in section 1a of your policy when you are driving any other car as long as:
- it is not owened by or your partner ..
- you have the owners permission
- the car is insured by the owner"0 -
But the law does.It depends entirely on the policy - many do not stipulate that a separate policy needs to exist to drive another car.
Some policies do explicitly ask for this - e.g. First Direct have introduced this specific requirement this year.
"Your policy provides the minimum third party only cover as provided in section 1a of your policy when you are driving any other car as long as:
- it is not owened by or your partner ..
- you have the owners permission
- the car is insured by the owner"
Those specific requirements have been standard clauses on insurance policies for as long I can remember and I can remember a long way back.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
But the law does.
Those specific requirements have been standard clauses on insurance policies for as long I can remember and I can remember a long way back.
Maybe on some policies, but certainly not all. I can't remember ever seeing a requirement that the vehicle is insured on any of mine.0 -
No, you are wrong. Clauses are not 'standard'. This has been gone through here many times - go back and look. Some policies have restrictive clauses and some don't - it is entierly down to the insurance entitlement as per the certificate and the policy document of the specific insurer.But the law does.
Those specific requirements have been standard clauses on insurance policies for as long I can remember and I can remember a long way back.
Some stipulate separate insurance is required on the 3rd partys car others do not. You seem to think its a requirement - it isnt - go and check for yourself.
What is the 'law' you are quoting that requires the owner of another car to be insured for me to be able to drive under my 'any other car 3rd party' cover? This is an insurance requirement not one dictated by road law.
If my insurer covers me, in whatever vehicle, to the minum requirement (3rd party) then I'm insured - thats the legal requirement.0 -
It is a requirement under the RTA.Gloomendoom wrote: »Maybe on some policies, but certainly not all. I can't remember ever seeing a requirement that the vehicle is insured on any of mine.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
If a vehicle is on the road, it is required to be insured.No, you are wrong. Clauses are not 'standard'. This has been gone through here many times - go back and look. Some policies have restrictive clauses and some don't - it is entierly down to the insurance entitlement as per the certificate and the policy document of the specific insurer.
Some stipulate separate insurance is required on the 3rd partys car others do not. You seem to think its a requirement - it isnt - go and check for yourself.
What is the 'law' you are quoting that requires the owner of another car to be insured for me to be able to drive under my 'any other car 3rd party' cover? This is an insurance requirement not one dictated by road law.
If my insurer covers me, in whatever vehicle, to the minum requirement (3rd party) then I'm insured - thats the legal requirement.The greater danger, for most of us, lies not in setting our aim too high and falling short; but in setting our aim too low and achieving our mark0 -
If a vehicle is on the road, it is required to be insured.
Flyboy152 is correct.
But if the car is on the road being driven under "driving other cars" extension, then it doesn't need its own insurance (unless its a clause in the DOC policy.)
Only if left parked on the road does it need its own insurance.0
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