I Thought Car Insurance Had Gone Up

mikey72

chris-j wrote: »

Rubbish, what is wrong with clarifying that any vehicle you are driving has its own valid insurance.
Your mate can drive your car legally for MOT only if your mates policy specifies he can drive other vehicles, which is by no means standard in all policies, and if your car has valid insurance.

Mine still lets me drive any other car, there is no requirement for the other car to have insurance, so I can happily dirve any car without any tax, mot, or insurance to an mot legally.

molerat

mikey72 wrote: »

Mine still lets me drive any other car, there is no requirement for the other car to have insurance, so I can happily dirve any car without any tax, mot, or insurance to an mot legally.

Mine always has, that is up until this renewal notice with Aviva. The subject has cropped up on many threads and looks like a lot of companies are now starting to put this clause in.

chris-j

mikey72 wrote: »

Mine still lets me drive any other car, there is no requirement for the other car to have insurance, so I can happily dirve any car without any tax, mot, or insurance to an mot legally.

Not exactly, you can only drive to the MOT station if booked in advance. No car is now allowed on road without valid insurance policy and it is always offence to have expired tax unless it has been applied for electronically before expiry and is within first 5 days of month.

pendulum

chris-j, you do not need to tell us we can only drive to an MoT if it is booked in advance. We all know; it is so well known and obvious that we do not feel the need to say it to each other. You're nitpicking.

What I said wasn't rubbish either. You have a misunderstanding about the current insurance situation, mikey has gone some way in correcting you but you may wish to do further research yourself.

mikey72

chris-j wrote: »

Not exactly, you can only drive to the MOT station if booked in advance. No car is now allowed on road without valid insurance policy and it is always offence to have expired tax unless it has been applied for electronically before expiry and is within first 5 days of month.

Continuous insurance relates to tax. I can drive an otherwise uninsured car, on my policy as the only cover. It can still display a valid tax disk, and the only action that will be taken is that the owner will get a letter to remind them to sorn the vehicle, or to insure it. Eventually the owner will be fined if they take no action. I am commiting no offence, and will always be fully insured, no matter where I am driving to.

chris-j

Well best of luck to you both and I hope that if you do have an accident your insurance companies are understanding.
How hard is it just to do what is right - have car taxed, insured and mot'd.

mikey72

chris-j wrote: »

Well best of luck to you both and I hope that if you do have an accident your insurance companies are understanding.
How hard is it just to do what is right - have car taxed, insured and mot'd.

Very hard if you don't own the car. Which is what doc not owned by you refers to. But still totally legal.

chris-j

Actually I suggest you look at your insurance policy. My Admiral policy state I can drive another car ONLY if it has its own insurance policy in force.

rs65

chris-j wrote: »

Actually I suggest you look at your insurance policy. My Admiral policy state I can drive another car ONLY if it has its own insurance policy in force.

Some say that and some don't.

Some others don't provide DOC at all.

System

mikey72 wrote: »

no matter where I am driving to.

The operative word being "driving".
Not parking in the road while you buy a newspaper, not leaving it at a petrol pump (public place) while you go to pay, not leaving it at the MOT tester and returning to find it parked on a public forecourt or in the road.

And the moment you get out of the car to explain to a policeman why the car shows up as uninsured, the car will be uninsured.