Problem Insuring and Taxing 2 cars

Nhuni

Could do...but 28 day insurance for the new car was £145:eek:....£10 more than I paid for a full year on the old car , and that was including RAC Home and fully comp, with protected no claims and legal cover! And it may be sold tomorrow..so that's an awful lot of money for 1 day! There would be no refund.
Ah...just had a thought....my husband has fully comp, on his own car...and once upon a time, that would have covered him to drive someone else's car (i.e. my old one, mine) 3rd party....
Of course, his insurance "may" cover him 3rd party, whereas mine didn't?

Perhaps I'll get him to take the person out for a test drive...just round the block. There's absolutely nothing wrong with the car, so hopefully the person will like it.

forgotmyname

No difference between autotrader and ebay. You advertise the car and someone comes and buys it.

More people use ebay than autotrader.

ExposingTerribleAdvice

dacouch wrote: »

Not all Insurers require the other car to be insured when driven under the Driving other cars extension

Could you give us some examples of these insurers then?

ExposingTerribleAdvice

Nhuni wrote: »

Could do...but 28 day insurance for the new car was £145:eek:....£10 more than I paid for a full year on the old car , and that was including RAC Home and fully comp, with protected no claims and legal cover! And it may be sold tomorrow..so that's an awful lot of money for 1 day! There would be no refund.
Ah...just had a thought....my husband has fully comp, on his own car...and once upon a time, that would have covered him to drive someone else's car (i.e. my old one, mine) 3rd party....
Of course, his insurance "may" cover him 3rd party, whereas mine didn't?

Perhaps I'll get him to take the person out for a test drive...just round the block. There's absolutely nothing wrong with the car, so hopefully the person will like it.

Does car 1 still have insurance cover running on it? If not, it's highly unlikely that your husbands cover will allow home to drive it TPO. Also be careful as a lot of companies restrict DOC extension to emergency use only....

rs65

ExposingTerribleAdvice wrote: »

Could you give us some examples of these insurers then?

Aviva and Direct Line make no mention of the 'other' car being insured.

Esure say it must be insured by its owner. Admiral say it must have a valid policy on force.

rs65

ExposingTerribleAdvice wrote: »

Also be careful as a lot of companies restrict DOC extension to emergency use only....

Could you give us some examples of these insurers then?

dacouch

ExposingTerribleAdvice wrote: »

Does car 1 still have insurance cover running on it? If not, it's highly unlikely that your husbands cover will allow home to drive it TPO. Also be careful as a lot of companies restrict DOC extension to emergency use only....

Apart from the fact most decent insurers do not require the other car to be insured for DOC. Could you point us to any insurers who state that the DOC is for emergency use only?

Your user name for this advice is more irony than fe on the periodic table

dacouch

ExposingTerribleAdvice wrote: »

Could you give us some examples of these insurers then?

Basically virtually all the decent Insurers such as the DL group, Aviva, Morethan, NFU, CIS, LV, Saga and Prudential etc etc.

It's easy enough to check, you look at the policy wording under the liability section and it will define driving other cars. If it does not say the other car must hold it's own insurance then it does not need to be covered. Check your certificate as well as some insurers state on the certificate the other car needs to be insured.

While your checking try and find an Insurer that states it's just for emergencies and try and imagine how an Insurer would define an emergency in a legal wording that would stand up in court

ExposingTerribleAdvice

dacouch wrote: »

Basically virtually all the decent Insurers such as the DL group, Aviva, Morethan, NFU, CIS, LV, Saga and Prudential etc etc.

It's easy enough to check, you look at the policy wording under the liability section and it will define driving other cars. If it does not say the other car must hold it's own insurance then it does not need to be covered. Check your certificate as well as some insurers state on the certificate the other car needs to be insured.

While your checking try and find an Insurer that states it's just for emergencies and try and imagine how an Insurer would define an emergency in a legal wording that would stand up in court

I do A LOT of work with both Aviva and NFU and can confirm this is catagorically incorrect for both. DL etc I've never had any contact with however I'm keen to find out if they do offer this is as would be quite useful. Lets hope their offices are open today. I'll report my findings back to this thread shortly.

ExposingTerribleAdvice

P.s I think you could safely say that taking someone's car on a test drive would not constitute an emergency, and could certainly be argued to that effect.