Does this comply with CIE rules?

arcon5

IE continuous insurance laws

Terms of a fully comp policy:

DRIVING OTHER CARS:
If the insurance is taken out in your name, you are provided with
Third Party Only cover for you to drive, in the territorial limits,
other private motorcars not owned by or registered to you with the
owner's permission.
The cover only applies while you still own the insured vehicle and
you are over 25 years of age.
This cover does not allow use to secure the release of a motor
vehicle, other than your vehicle identified on your certificate
of insurance, which has been seized by, or on behalf of, any
government or public authority
What is not covered:
Any vans, motorcycles, or any other motor vehicle
that is not a private motor car
Driving any other private motor car outside the territorial limits
as defined in your policy booklet
Please see Policy Section 2

Say i'm the policy holder with my partner as named driver.
My partner is owner and registered keeper of a second vehicle.

I want to be able to use the second vehicle once a week when she has our main car.
So would this mean i'm insured to drive this second vehicle at any time? Thus, a policy continuously covers this second vehicle...

Or not...

randomguy82

IMO Yes you would be covered as long as you meet the criteria listed. E.g. You are over 25; your wife's vehicle is a car owner by her; you drive within the area outlined in the policy, this could simply be the UK.

If in doubt however, then call the insurance company to clarify but I don't think you need to worry. Hope that helps.

Oh and most importantly, you'd only be covered for 'third party' in the event of an accident. If you need to drive her car often, then may be worth being a 'named driver' on hers if not too pricey.

Paradigm

arcon5 wrote: »

So would this mean i'm insured to drive this second vehicle at any time?

Under the terms you posted, Yes you can drive it.

arcon5 wrote: »

Thus, a policy continuously covers this second vehicle...

Or not...

Or not

The vehicle, itself, doesn't have insurance....you do.

RichardD1970

Not quite sure what you mean, but I think the second car needs to be insure in it's own right.

arcon5

Paradigm wrote: »

The vehicle, itself, doesn't have insurance....you do.

Hah, very good point

vaio

you are insured to drive it at any time (assuming your policy T&C don't exclude cars owned by family members from DOC cover or cars not covered by their own policy) but the CIE is checked against the MIB database where policies are linked to reg numbers.

Your policy will be linked to your car so her car would show up as uninsured on MIB so I'd say it wouldn't comply with the CIE rules.

Additionally, you'd have no way of taxing it as again, the insurance needs to be linked to the car on the database

rs65

DOC extension only applies while you are driving the other car. It does not satisfy CIE rules.

Aretnap

Continuous insurance regulations require that all cars are either covered by a policy which specifically refer to them, or else are SORNed. The fact that someone, somewhere happens to have a policy that would allow them to drive it (hey, my own insurance allows me to drive your partner's car) doesn't mean it's insured for the purposes of CIE.

If your OH has insured the car herself then yes you can drive it - though be aware that it will be third party cover only, so if you drive it into a tree you'll be putting your hand in your own pocket for the repairs. You'd probably be better off being added to her policy as a named driver.

If your OH hasn't insured it or SORNed it then you wouldn't be breaking the law by driving it, but she can expect a nasty letter and a fine at some point for keeping a vehicle which doesn't meet the insurance requirements.

If she has SORNed it then you'd be breaking the law by driving an untaxed vehicle, regardless of the insurance situation.

vikingaero

If we assume the wifes car is insured then fine.

If we assume the wifes car has NO insurance then no it doesn't satisfy CIE. When you drive the wifes car under DOC extension then you are covered. But when you stop and leave the car to use the cashpoint, go to the shops then it is liable to seizure for no insurance.

But be careful as a lot of DOC extensions specifically exclude cars belonging to the family.

thenudeone

There are two completely separate matters:

Is the driver covered for compulsory insurance? - Yes

Has the keeper got a policy which complies with CIE? - No.

These offences are completely different with different penalties.
Don't get them confused

The first carries 6-8 points, the second carries none.

The first requires the vehicle to be used on a public road. The second doesn't - it could still be committed if the vehicle was in a hundred pieces in a garage.

The first applies to the driver and anyone else who allowed (used/caused/permitted) the offence, the second only applies to the keeper.