Problem Insuring and Taxing 2 cars

Captain_Shambolic

I can categorically confirm Aviva do not stipulate that DOC only applies to emergency situations (a close friend works for them you see). They just stipulate that the vehicle is only covered TPO and only when being driven, as soon as it's parked with no driver it is effectively uninsured again. This also means they do not require the TP vehicle to have insurance.

dacouch

ExposingTerribleAdvice wrote: »

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 wrote: »

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.

You can state all you want but you're wrong.

Here's the relevant wording for driving other cars from Aviva direct, where does it state the other car has to be insured and where does it mention or even define it has to be for an emergency?

Bear in mind a Policy is a contract, an Insurer cannot rely on things they do not enter into the policy wording.

"We will insure the vehicle policyholder while driving any other car* within the territorial limits
providing:
the car* does not belong to that person or is not hired to that person under a hire purchase agreement.
the vehicle policyholder is driving the car* with the owner’s express consent.
the vehicle policyholder still has your vehicle and it has not been damaged beyond cost effective repair.
the vehicle policyholder is aged 25 or above at inception or renewal of this policy.
the certificate of motor insurance indicates that the vehicle policyholder can drive such a car*.
Driving other cars cover is not available for named drivers, firms or principal policyholders where they
are not also named as a main user of your vehicle (e.g. a vehicle policyholder).
Important Note: The cover provided whilst you are driving any other car* is for Third Party only.
* For the purposes of this section only the definition of “car” includes a van under 3.5 tonnes gross
vehicle weight, subject to the limitations of use as defined on the certificate of motor insurance."

http://www.aviva.co.uk/library/pdfs/multi-vehicle/NMDMG10249.pdf

Page 16

"d) YOUwhile driving a CAR or motor cyclewhich does
not belong to YOU and is not hired to YOU under a
hire-purchase orleasing agreement, but only if:
i. this driving is permitted by the SCHEDULE
and/or CERTIFICATE, and
ii. YOU have prior permission from the owner"

http://www.nfumutual.co.uk/library/files/pdf/Policy%20Documents/MT010POL0511-car-insurance.pdf page 9

The mind boggles as to what dealings you have with NFU and Aviva, I would not be surprised for a badly trained call centre employee to make a guess at it and agree with you, if they do make this mistake ask them to confirm it in writing.

dacouch

ExposingTerribleAdvice wrote: »

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.

Again you can state all you want but you would be wrong.

Can you find a policy wording that states the driving other cars only applies to emergencies?

You won't find one which means it does not exist and even if it did what would an Insurer define as an emergency and how would they define this in a legal many suitable for a policy.

flashnazia

dacouch wrote: »

How told you that not having insurance invalidates your tax?

Is this not true? I thought it was because of the new continuous insurance rules?

rs65

ExposingTerribleAdvice wrote: »

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.

You really need to consider a chance of username.

Have a look at their policy wordings online. You will find that you are categorically incorrect

ExposingTerribleAdvice

rs65 wrote: »

You really need to consider a chance of username.

Have a look at their policy wordings online. You will find that you are categorically incorrect

So please explain how this would work with the continuous insurance rulings? The car that you are driving must be road legal with a current mot and tax. Cars without insurance should se SORN, therefore without tax....

Quentin

ExposingTerribleAdvice wrote: »

So please explain how this would work with the continuous insurance rulings? The car that you are driving must be road legal with a current mot and tax. Cars without insurance should se SORN, therefore without tax....

Continuous insurance does not affect doc cover at all.

Continuous insurance relates to the rk's responsibility.

A car being driven on doc cover has rta cover.

Your point about tax is also irrelevant and incorrect. No tax has no effect whatever on the insurance position.

Don't bother changing your user name. We will still have to correct all your efforts whatever the name.

rs65

ExposingTerribleAdvice wrote: »

So please explain how this would work with the continuous insurance rulings? The car that you are driving must be road legal with a current mot and tax. Cars without insurance should se SORN, therefore without tax....

Totally irrelevant.

ExposingTerribleAdvice

Oh, I won't bother paying for road tax anymore then, as it's obviously not a requirement for the car to be used legally on the road. And that means that I will also advise everyone that from now on they no longer need to MOT their car, or make sure it is a fit state to be on the road. Just because it doesn't state in a policy wording that car must be legal to use on the road for DOC extension to be covered doesn't mean that that's not the case, it's part of the expectations every underwriter has of the people they insure. You guys feel free to go and collect IN10s, ill stick to what I know is true thanks.

rs65

If a car is being driven under DOC then it is insured to be on the road. Someone driving under DOC will not get an IN10.