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Selling a second hand car do's and dont's
Comments
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Substantiate this statement please
Section 22(i) of the road safety act 2006 If a motor vehicle registered under the Vehicle Excise and Registration Act 1994 does not meet the insurance requirements, the person in whose name the vehicle is registered is guilty of an offence.
As I said in my edit. Someone will likely be committing an offence, though it may not be the driver.0 -
reduceditem wrote: »Section 22(i) of the road safety act 2006 If a motor vehicle registered under the Vehicle Excise and Registration Act 1994 does not meet the insurance requirements, the person in whose name the vehicle is registered is guilty of an offence.
As I said in my edit. Someone will likely be committing an offence, though it may not be the driver.
But the requirements are for a driver to be insured for third party risk when driving a given vehicle...0 -
reduceditem wrote: »Section 22(i) of the road safety act 2006 If a motor vehicle registered under the Vehicle Excise and Registration Act 1994 does not meet the insurance requirements, the person in whose name the vehicle is registered is guilty of an offence.
As I said in my edit. Someone will likely be committing an offence, though it may not be the driver.
that bit of ill thought out legislation isn't in force yet, and in any event, even if it was then s22(5) covers driving under DOC cover. It says "......For the purposes of this section a vehicle is covered by a policy of insurance or security if the policy of insurance or security is in force in relation to the use of the vehicle....."
If I’m driving your car under my DOC cover then there is a policy in force in relation to the use of the vehicle and hence no offence even if the car is not insured by you0 -
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Depends on the policy, I've never seen the requirement for the other car to be insured for my DOC cover to cover me
Yep, car needs to be insured by someone else first to be able to use your cover from your policy. I've not had any dealings with it at work, but seen it on TV a few times.What is pi? Where did it come from?0 -
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reduceditem wrote: »As soon as you step out of the car, stop for fuel, stop for a Mars Bar.......the owner is committing an offence (assuming you stopped on the public highway).
Why?
If as the owner I have Third Party Only insurance how does this differ from being a driver with Third Party Only cover under DOC? If I'm driving the car it is in my care....0 -
reduceditem wrote: »As soon as you step out of the car, stop for fuel, stop for a Mars Bar.......the owner is committing an offence (assuming you stopped on the public highway).
Yep, but that's been the situation for at least the last 35 years and the new legislation does nothing to change it. Whilst I'm driving it I'm legal, leave the car and it reverts to being an uninsured vehicle
Having said that, there have been couple of cases where brief stop for petrol or Mars bars has been held to be a legitimate part of the journey for the purposes of travelling to and from a pre-booked MOT test and it's not a great leap to apply the same logic to driving under DOC cover0 -
Why?
If as the owner I have Third Party Only insurance how does this differ from being a driver with Third Party Only cover under DOC? If I'm driving the car it is in my care....
Ok real simple.
You buy a 1990's Mini for a few hundred quid. You insure it full comp for another hundred quid which covers you third party on other cars.
Your missus buy s a Ferrari. She doesn't insure it at all and you drive it about on your 3rd party only cover from the Mini....
Except you don't. That's why the law is that each car must have its own policy in place to stop people doing something like this. A Trader policy will cover you but it is a specific policy.
If you let someone test drive your car it is highly likely that they will not be insured and the fine is £200 and 6 points. Alongside that, the owner of the car is also liable for permitting the offence so you get 6 points and £200 fine too. Depending on when you cancelled the insurance it might well flash up on ANPR as not insured so you'll get stopped by the cops.
If the car isn't that old you can use someone like DayInsure to cover the car fully comp for one day only. Suggest that to interested buyers and say that if they buy the car you'll refund the cost.
alternatively, use DayInsure yourself, that should cover them for their DOC element of their policy.
Oh and be honest, make sure the car is clock cold when they arrive too.
5t.What if there was no such thing as a rhetorical question?0 -
So basically if they don't have insurance don't let them drive it,I don't have insurance for the car,just out of interest once the v5 is signed it no longer my property anyway ???? And can u change the details online ???0
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