1 day insurance clarification

Quentin

fivetide wrote: »

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?

Regarding continuous insurance - this is not yet in force.

There is nothing to prevent someone else living at your address and registering their vehicle there!

You may get stopped under ANPR - but as long as you have complied with the DOC conditions (got permission to drive, car not owned by you etc) then you are insured to RTA requirements.

The "private petrol station" scenario is just a red herring.

In fact you would still be insured whilst getting petrol - even though you were outside the car.

Read up on this and you will see that stopping whilst on a DOC journey to buy petrol etc does not mean the cover is stopped.

fivetide

I have looked over the RTA 1988 and that's what the "where are you getting this" bit came from. Where does it say you can walk off and leave the car parked up and expect it to be covered?

Also, I did acknowledge before that continuous insurance had not yet started.

Thanks,

5t.

Quentin

fivetide wrote: »

I have looked over the RTA 1988 and that's what the "where are you getting this" bit came from. Where does it say you can walk off and leave the car parked up and expect it to be covered?

No-one has said that! You suggested anyone using DOC extension on an uninsured car would need their own petrol station.

Getting petrol isn't the same as "walking off and leaving the car parked up".

As previously posted, stopping to buy petrol is part of the journey, and would be covered.

Up to now you have been wrongly insisting that the car being driven must have its own insurance - now you seem to be saying this only applies when it's parked up aqnd left - quite different from your original wrong advice!

fivetide

But stopping to do the shopping isn't?

I can't see how the two would be seen as different by the law. I'm not trying to be an !!!!, genuinely interested but for the life of me I can't see how you would possibly get away with it otherwise, why wouldn't everyone one be doing this?

Another example, I take the car the the park and ride as part of my daily commute to work. It's parked up on land with public access for the day and I pick it up later. Technically my journey is to/from work so would that be included?

5t.

Flyboy152

TUS wrote: »

From what I understand, he is not insuring it immediately, as the car needs a bit of work doing (it is currently roadworthy though, I may add). I think he's going to work on it in his garage.

Not really my problem though - the deal we agreed was that I would deliver to him at a specific time.

I've paid the £19 to make sure I am deffo covered. Last thing I need is being pulled and having the car impounded, getting points, paying to release the car, losing a sale, etc.

But does it have an MOT and is it taxed?

Flyboy152

spiro wrote: »

Your car is taxed, therefore under the new rules it must be insured or the DVLA will automatcially issue a £100 fixed penalty notice which you will have to pay as the car is still in your name. Likewise the new owner will have to insure it from day one or declare it SORN otheriwse he will get a £100 FPN.

This not yet law.

Flyboy152

liubeliu wrote: »

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

I think that will cost more then the twenty pounds for one day's worth of cover.

Quentin

fivetide wrote: »

But stopping to do the shopping isn't?

I can't see how the two would be seen as different by the law. I'm not trying to be an !!!!, genuinely interested but for the life of me I can't see how you would possibly get away with it otherwise, why wouldn't everyone one be doing this?

Another example, I take the car the the park and ride as part of my daily commute to work. It's parked up on land with public access for the day and I pick it up later. Technically my journey is to/from work so would that be included?

5t.

Stopping to get a paper/buy cigarettes has been classed as part of the journey.

Many do make use of DOC - (but your example of using it to drive a ferrari would only be of interest to a rich guy happy to self insure his car against damage/fire/theft etc, and is a red herring)

Parking in a public car park all day wouldn't be covered.

But now you're just digging away for different scenarios far removed from your original incorrect advice - read up on this and maybe stand corrected on your original point!

As already posted, as long as there is no condition regarding this on your policy, you can use DOC extension to drive an uninsured car with RTA third party cover legally in place!

Flyboy152

advantix wrote: »

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.

It also doesn't say that you are a superhero either, but I wouldn't jump of any tall buildings, if I were you.

TUS

Flyboy152 wrote: »

But does it have an MOT and is it taxed?

Yes, tax til July and MOT til Sept :-)

All done, just paid the £19 to cover myself without question - car dropped off, a happy buyer. I'm happy as I still come out of it with a little more than I thought I may get.

Thanks all ... been interesting reading various interpretations of this!!