allowing someone to drive my car when the person doesn't have insurance

spike7451

iolanthe07 wrote: »

It used to be quite common to have policies which covered 'any driver', but these are rare and expensive these days, so it unlikely that your friend will be covered. Your insurance schedule will make clear who is covered on the policy.

My dad was a senior manager for a major car company &,after retirement,he still got a company car.Now at one stage,I was allowed to drive his car on his company policy but after a few years,the company made it owner,my dad, & spouse only.
Apparently some retirees were setting themselves up as driving instructors using the company car & insurance!
But I digress,when I renewed my insurance the other month,I clicked on the various options,the cover for another driver on my policy nearly doubled the quote for me only.

vikingaero

I can't help but think that the rkrishna is on a spiral to nowhere. The odds are hugely stacked: non UK resident, newly qualified driver and under 25. We've seen the Driving Other Cars extension (which normally applies only to the Policyholder and not named drivers) being withdrawn by a lot of Insurers following Police pressure, and those that do still offer it invariably restrict it to over 25's.

andygb

Just a question here, not trying to be controversial, but what do you do when you are selling a car, and someone else wishes to test drive it?
I have done this on may occasions as both seller and potential buyer, and nobody has ever asked any questions - private or trade didn't make a difference.
I am thinking back to a car I sold a few years ago, because a young guy turned up with his father, and gave my car a good "ragging", and at the end offered a silly price for it, I nearly told them where to go, but they looked like less than savoury customers.

forgotmyname

If they have fully comp insurance they might.. be covered to drive your car. But it will be 3rd party only.

If they crash and its their fault you need to hope they buy it otherwise you have a damaged car to sell.


If not then your in an awkward situation. They will get done for driving without insurance. Will they tow your car
and ticket you also?

Or will they let you go with the car?

You gave an uninsured person the keys to drive.

Same if they go past a speed camera if they dont buy the car and dont give you their details its down to you.
Prove someone else was driving.

tim9966

A motor trader should have their own special policy which allows them to drive all cars, so that bit's covered.

But if you let a private buyer test drive a car they could be driving it uninsured. At best they might be covered 3rd party only if their own policy on another car allowed them to drive other cars, but if not they are driving uninsured unless they have taken out a one day policy.

andygb wrote: »

Just a question here, not trying to be controversial, but what do you do when you are selling a car, and someone else wishes to test drive it?
I have done this on may occasions as both seller and potential buyer, and nobody has ever asked any questions - private or trade didn't make a difference.
I am thinking back to a car I sold a few years ago, because a young guy turned up with his father, and gave my car a good "ragging", and at the end offered a silly price for it, I nearly told them where to go, but they looked like less than savoury customers.

rkrishna

the following link says ""Comprehensive cover will often include cover for anyone to drive your car with your permission, even if they're not a named driver - but this will normally only be third party cover.".

http://www.comparethemarket.com/car-insurance/advice/additional-drivers-a-quick-guide/

thanks for all the replies. based on the response, it looks very risky to allow my relative to drive my car, so I would avoid it.

System

I don't know where they got they idea from. 'Any driver' cover is virtually dead these days.

Wig

rkrishna wrote: »

the following link says ""Comprehensive cover will often include cover for anyone to drive your car with your permission, even if they're not a named driver - but this will normally only be third party cover.".

http://www.comparethemarket.com/car-insurance/advice/additional-drivers-a-quick-guide/

The Preceding link is a load of balls!

Had they said
"Comprehensive cover will often include cover for the policy holder to drive anyone elses car with their permission, even if they're not a named driver on that other persons policy - but this will normally only be third party cover."
then they would have been correct.

Hammyman

andygb wrote: »

Just a question here, not trying to be controversial, but what do you do when you are selling a car, and someone else wishes to test drive it?
I have done this on may occasions as both seller and potential buyer, and nobody has ever asked any questions - private or trade didn't make a difference.
I am thinking back to a car I sold a few years ago, because a young guy turned up with his father, and gave my car a good "ragging", and at the end offered a silly price for it, I nearly told them where to go, but they looked like less than savoury customers.

I ask them to bring proof of insurance. If they don't, I'll drive to a nearby airfield and they can have a spin there.

Wig

Hammyman wrote: »

I ask them to bring proof of insurance. If they don't, I'll drive to a nearby airfield and they can have a spin there.

Accepting that at the local airfield you would be very unlikely to have any accidents or be stopped by police.....However, if it is public access then you would still be breaking the law.