Insurance for taxing a car

harveybobbles

Also, lots of ins companies now are doing away with covering you 3rd party to drive another car. The reason for this was people were buying a small, cheap car, insuring it and then driving their mates high powered, performance car on a regular basis.

thenudeone

harveybobbles wrote: »

Also, lots of ins companies now are doing away with covering you 3rd party to drive another car. The reason for this was people were buying a small, cheap car, insuring it and then driving their mates high powered, performance car on a regular basis.

Some people must have very trusting mates - allowing them to drive their high powered car without comprehensive insurance to pay for the damage when they inevitably wrap it round a tree.

I hadn't heard that insurers were clamping down in general. I'd expect them to restrict it to safer drivers anyway. In 20 years of insuring cars, only one policy didn't have DOC cover, so I cancelled it once I realised, and got another policy.

jackthenipper

Why dont you let the potential buyer take the risk on a test drive whilst not beeing insured.

I would doubt someone would crash you car on a test drive as they will probably only go around the block & back nothimg nore than 30mph.

I have never paid to insure a car that i wanted to test drive - but its a risk nearly everone takes.

paddedjohn

harveybobbles wrote: »

also, lots of ins companies now are doing away with covering you 3rd party to drive another car. The reason for this was people were buying a small, cheap car, insuring it and then driving their mates high powered, performance car on a regular basis.

This is one of the reasons the law has changed, since March any car that is not insured must be sorned and any unused tax returned for a refund.

harveybobbles

jackthenipper wrote: »

Why dont you let the potential buyer take the risk on a test drive whilst not beeing insured.

And what happens if they drive past an ANPR equipped Police car and get stopped for not showing as insured...? Car gets towed away - I'd be well chuffed Not...

harveybobbles

thenudeone wrote: »

I hadn't heard that insurers were clamping down in general. I'd expect them to restrict it to safer drivers anyway. In 20 years of insuring cars, only one policy didn't have DOC cover, so I cancelled it once I realised, and got another policy.

Yes. As I found out this week when sorting out ins for the OH's car. Lots of companies are now doing away with this type od DOC cover. They won't tell you unless you ask them.

Wig

paddedjohn wrote: »

This is one of the reasons the law has changed, since March any car that is not insured must be sorned and any unused tax returned for a refund.

This is not the reason the law changed, as I already stated, I think to you. If the insurance companies wanted this they would simply have to change their policy wordings - nothing was stopping them from doing so. And further, even now if yrou have DOC cover you can still drive your friends sports car. If you wrap it round a tree the same situation will occu the friend gets no repair because it was not insured for you to drive, you get no repair cover as you were TPO. So from the insurers point of view nothing has changed.

The only reason this has come in, is to try to tackle uninsured drivers from a different (misguided) direction. And of course all the revenue from the innocent motorist comes a big [strike]incentive[/strike] bonus.

Invalidation

A friend had 3, one day insurance policies in the last few years, for collecting cars.
All of them stated that the insurance could not be used to tax a vehicle.