1 day insurance clarification

spiro

Quentin wrote: »

Just scaremongering!

Continuous insurance has not yet been implemented.

My understanding it was from 1st March like new enforcement of parking partially on pavements.

Quentin

spiro wrote: »

My understanding it was from 1st March .....

No. Not yet.

From the Direct Gov website:

The continuous insurance enforcement scheme is expected to come into force during 2011.

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_067639

TUS

spiro wrote: »

My understanding it was from 1st March like new enforcement of parking partially on pavements.

Seeing as the sale is happening today, 1st March, I'd hope that will be his problem! The V5 will be dated today.

fivetide

Quentin wrote: »

No - the ownership is the big issue.

Most DOC extension will have the condition that the car is NOT owned by the driver intending to use the third party.

(The "other car" doesn't have to be insured unless that is a condition of the DOC extension)

Pretty sure that's completely wrong.

The car needs to have a policy in force on it. You can't just use DOC for vehicles not owned by you.

Example, I buy a 20 year old mini, I insure it fully comp including DOC. The mrs 'buys' a nice Ferrari 355 but doesn't insure it. There is no way I can drive that car around using DOC it needs to be insured. ANPR would flag that up.

Anyway, I would have thought if the chap has agreed to buy it he could have a policy ready to go and just given the insurer a quick call. Alternatively, the OP should just let the chap in to use the computer for a min so they can buy a policy over the interwebs.

5t.

Quentin

:j

fivetide wrote: »

The car needs to have a policy in force on it. You can't just use DOC for vehicles not owned by you.

Not so (currently - continuous insurance will change that when it comes in)

You can use DOC third party cover irrespective of whether or not the other car is insured. (Unless there is a condition to the contrary attached to the DOC extension).

liubeliu

A local garage with pick up truck may have been a solution

fivetide

Quentin wrote: »

:j

Not so (currently - continuous insurance will change that when it comes in)

You can use DOC third party cover irrespective of whether or not the other car is insured. (Unless there is a condition to the contrary attached to the DOC extension).

Hmmm where are you getting this from?

The continous insurance thing applies to taxed cars only. So now, you can of course, have a car on your drive which isn't insured.

When the rules change, unless it is declared SORN you will have to have insurance on it even if the engine is blown and it is in the garage.

However, that does not mean you can drive an uninsured car on the road at the moment using DOC otherwise you could do exactly what I outlined above.

Only difference is if you have a traders policy surely?

5t.

advantix

fivetide wrote: »

However, that does not mean you can drive an uninsured car on the road at the moment using DOC otherwise you could do exactly what I outlined above.

Only difference is if you have a traders policy surely?

5t.

My insurance states (and i quote)

"the policyholder may, subject to the owner’s express consent, also
drive a car not belonging to policyholder or hired to the policyholder under a hire purchase or lease agreement"

Therefore, the other vehicle does NOT have to be insured for me to drive it. However, when the vehicle is parked up and i am not driving it it immediately becomes uninsured.


Edit : - And i have just called the insurance company and they have confirmed the above. It is irrelevant if the other car is insured or not as it would be my insurance policy that covers any claim.

Quentin

fivetide wrote: »

Hmmm where are you getting this from?

The continous insurance thing applies to taxed cars only. So now, you can of course, have a car on your drive which isn't insured.

When the rules change, unless it is declared SORN you will have to have insurance on it even if the engine is blown and it is in the garage.

However, that does not mean you can drive an uninsured car on the road at the moment using DOC otherwise you could do exactly what I outlined above.

Getting "what" from?

If you mean continuous insurance and driving other cars, what relevance will having an untaxed SORN on the drive have to thus?

If you mean driving other cars (taxed but not insured themselves), the opposite is the case - where are you getting it from the car has to be taxed?

You are wrong - perpetuating a myth!

In the scenario you proposed (driving an uninsured ferrari using DOC cover), then that is currently quite in order and legal!

fivetide

Quentin wrote: »

Getting "what" from? If you mean continuous insurance and driving other cars, what relevance will having an untaxed SORN on the drive have to thus?

If you mean driving other cars (taxed but not insured themselves), the opposite is the case - where are you getting it from the car has to be taxed?

You are wrong - perpetuating a myth!

In the scenario you proposed (driving an uninsured ferrari using DOC cover), then that is currently quite in order and legal!

Ok not sure you read properly.

Continuous insurance - if the car is NOT declared as SORN then it must have insurance. That's what the new legislation states right? That's all I was saying.

On to the scenario I mentioned, I'm not convimnced you could have a car registered at the same address (even in another name) and get away with it.

Also, I appreciate the legislation applies to the person and not the car but - you'll get stopped a lot under ANPR and secondly, you'd need a private petrol station because as soon as you get out of the car it is uninsured on the public highway and the owner can be fined. The driver is only covered while actually driving the car is this not right?

5t.