Selling a car - can they take car away same day?

~Chameleon~

vax2002 wrote: »

the car will still be covered for purposes of the Road Traffic act under YOUR insurance until you have informed the insurance company.
So technically yes you could end up with a claim.
It is the first call with the number on re-dial on your phone, soon as they sign, get someone to call the insurance and inform them of the transfer of this vehicle.

You don't half talk a load of bollox, both here and on the pet board!!

~Chameleon~

pinkteapot wrote: »

The buyer could have another car with a fully comp policy that insures them to drive other cars. I would never dream of interrogating a buyer as to whether or not they are insured before they drive off, and I'd be pretty insulted if anyone did the same to me.

But the car still needs to be insured to validate the third party insurance of the driver.

~Chameleon~

Lum wrote: »

What I normally do, as a buyer, is get the quote from the insurance before I even go and look at the car, if I decide to buy the car then I simply call the insurance company and accept the quote.

This is exactly what I do too when buying a used car privately.

Sgt_Pepper_2

~Chameleon~ wrote: »

But the car still needs to be insured to validate the third party insurance of the driver.

No it doesn't.

~Chameleon~

Sgt_Pepper wrote: »

No it doesn't.

Since when? I've always been told that you can only drive another vehicle not belonging to you on 3rd party insurance if that car is already insured.

Sgt_Pepper_2

~Chameleon~ wrote: »

Since when? I've always been told that you can only drive another vehicle not belonging to you on 3rd party insurance if that car is already insured.

Don't believe everything you are told.

Check for yourself.

~Chameleon~

Sgt_Pepper wrote: »

Don't believe everything you are told.

Check for yourself.

I've not had reason to check it recently as I haven't needed to drive anyone else's car for quite a while but it certainly was always the case for as long as I can remember and used to state as such on my insurance documents. Can you point me to legislation that says this is no longer necessary?

If this is the case then why would anyone register and insure more than one vehicle in their household if they can just drive them all on their 3rd party insurance for the car they own? :rotfl:

Sgt_Pepper_2

~Chameleon~ wrote: »

I've not had reason to check it recently as I haven't needed to drive anyone else's car for quite a while but it certainly was always the case for as long as I can remember and used to state as such on my insurance documents. Can you point me to legislation that says this is no longer necessary?

If this is the case then why would anyone register and insure more than one vehicle in their household if they can just drive them all on their 3rd party insurance for the car they own? :rotfl:

If you care to read yet policy and my previous post you'll find third party cover excludes vehicles you own.

~Chameleon~

Sgt_Pepper wrote: »

If you care to read yet policy and my previous post you'll find third party cover excludes vehicles you own.

But you wouldn't "own" the car if it wasn't registered to you!! This is a loophole that was closed back in the 80s to stop people driving all manner of vehicles of far higher class on a cheap insurance policy by insisting the other car was also insured by it's "owner".

For example, a relative could "own" an uninsured top of the range sports car yet I could legally drive it on a 3rd party insurance from the fully comp policy on my little mini.

socks_uk

Before I went to view my current car, I did a 'Vehicle Check' (I think it was with the AA) which checked that it was a genuine car and not stolen or had any finance on it - HPI check I think it's called.

Anyway, the 'Vehicle Check' also included insurance so you could drive the car if you chose to purchase it. It was very useful as it was a 50 mile round trip to see the car.