How can you drive home when buying a car from private seller?

dacouch

redux wrote: »

Driving other cars clauses do not give comprehensive cover and are intended mainly for unforeseen contingency, and claims will be thoroughly investigated by the insurers.

That is what a broker told me years ago.

There are a very small amount of Insurers who offer comprehensive cover driving other cars and extend it to the named drivers. It's not cheap though.

DOC may be intended for unforeseen contingency (Some people spout emergencies only) but have a read of the part of any policy to see if you can find one that even mentions little own try and define what an emergency is or for what an unforeseen emergency is.

UsernameAlreadyExists

dacouch wrote: »

I'll explain, the Road Traffic Act

This is the "legalised" part of legalised scam.

dacouch wrote: »

As the claim was not covered by the policy but had to be paid, the Insurer (In your case the sellers) will then start the recovery of their outlay from their policyholder.

Why?
You've collected more than enough on every other policy to pay out, this is the very reason you have the money in the first place. To pay out in case of accidents.

dacouch wrote: »

That's how the system works when an Insurer pays out under these circumstances.

And it's wrong. The liability to pay out is on the insurance company. That's why they exist - to provide cover. That's why they collect premiums.

so ... given that I've had (for example) 10 years of accident free motoring and made no claims and had none against me ... can I have my money back? If not, why not? Where is it?

And if "my" previous payments have been paid out elsewhere, why do you need to recover "your" payout? It wasn't your money. And where did all the company "profit" come from?

redux

Chopper_Read wrote: »

And legally you only need third party cover so what are you telling us we don't already know?

This place can lean towards boringly aggressive sometimes.

In addition to what I said before, most driving other cars cover requires that the car driven has its own normal insurance on it, just that the person using their driving other cars addition wasn't one of the named drivers.

You may know this, but clearly plenty of people do not and do not check, perhaps including the person I was previously replying to.

When I was faced with wanting to move a car like the OP I rang the insurer and asked, and as a result I did not proceed to pretend anything.

Instead I got someone at a neighbouring workshop to drive it on his motor trade policy, which was fair as he would then do a couple of repairs. In the end I sold it to him anyway.

Chopper_Read

redux wrote: »

This place really is quite boringly aggressive sometimes.

In addition to what I said before, most driving other cars cover requires that the car driven has its own normal insurance on it, just that the person using their driving other cars addition wasn't one of the named drivers.

You may know this, but clearly plenty of people do not and do not check, perhaps including the person I was previously replying to.

The car only needs it's own insurance if the doc says it does.

redux

Chopper_Read wrote: »

The car only needs it's own insurance if the doc says it does.

And almost all such clauses do indeed say so.

It is better to make sure by talking to the insurer than rely on a load of sweeping and often under-informed generalisations on here.

UsernameAlreadyExists

Chopper_Read wrote: »

The car only needs it's own insurance if the doc says it does.

Much as I hate to agree with you , but I read a lengthy thread on this quite recently. It was quite interesting and you're absolutely right.

redux wrote: »

And almost all such clauses do indeed say so.

Mine doesn't. I checked whilst reading the thread.

Chopper_Read

redux wrote: »

And almost all such clauses do indeed say so.

It is better to make sure by talking to the insurer than rely on a load of sweeping and often under-informed generalisations on here.

Or just read you certificate and policy.

dacouch

redux wrote: »

And almost all such clauses with cheap and crappy insurers do indeed say so.

It is better to make sure by talking to the insurer than rely on a load of sweeping and often under-informed generalisations on here.

There fixed it for you

Chopper_Read

UsernameAlreadyExists wrote: »

Much as I hate to agree with you , but I read a lengthy thread on this quite recently. It was quite interesting and you're absolutely right.


Mine doesn't. I checked whilst reading the thread.

I know I'm right and I bet your policy don't cover cars you [STRIKE]have on a long test drive[/STRIKE] own.

UsernameAlreadyExists

dacouch wrote: »

There fixed it for you

Can I have my money back please? Or a response to my other questions?