Best way to transport uninsured car

Jamie_Carter

Mark_Mark wrote: »

No it doesn't, you only need third party cover.

If what you say is true trade insurance is worthless.

You need a minimum of third party insurance for the car before anyone can drive it.


Traders insurance is another matter completely. It insures employees of the trader to drive vehicles in their possession for the purposes of their trade.

londonTiger

dacouch wrote: »

Did you check the actual policy wording as well as the certificate

copied directly from the insurance documents.

The Policyholder may also drive with the consent of the owner a private motor car not belonging to him/her and not hired to him/her under a Hire Purchase Agreement, within our territorial limits, providing there is a valid insurance policy in force for that car.

couldn't be more clearer

[Deleted User]

lvm wrote: »

Just in case this helps anyone who is debating the whole driving uninsured cars thing.

Privilege car insurance holders (all comprehensive policies I assume) can drive any car and it does NOT need to be insured in its own right.

Exclusions are:

Your own (or main) car must not be broken/beyond cost effective repair.
You cannot own the car you are driving. (Probably the most difficult thing to get around).
Other usual rules...third party only, can't claim if there's another policy covering the claim etc etc.

Only know this as I'm just back from an auction.

3 of us went in my car for which I am comprehensively insured.

Both people I was travelling with bought a car each. Person 1 bought Car 1 with MOT but no tax. Person 2 bought Car 2 with MOT AND tax.

So Person 1 (with Privilege policy) could drive Person 2's new car, Person 2 could drive mine and I was the mug who ended up driving 40 miles in an un-taxed, uninsured car. Although I was sandwiched in between the other 2 so police wouldn't get the chance to check my car easily, it was a very stressful hour's drive home and wouldn't recommend it.

So...anyone who might need to drive uninsured cars regularly - Privilege is an option.

Only problem driving a car with no insurance in it's own right using the 3rd party element of the Privilege policy would be getting pulled by ANPR police cars all the time.

andy111

lvm wrote: »

Just in case this helps anyone who is debating the whole driving uninsured cars thing.

Privilege car insurance holders (all comprehensive policies I assume) can drive any car and it does NOT need to be insured in its own right.

Exclusions are:

Your own (or main) car must not be broken/beyond cost effective repair.
You cannot own the car you are driving. (Probably the most difficult thing to get around).
Other usual rules...third party only, can't claim if there's another policy covering the claim etc etc.

Only know this as I'm just back from an auction.

3 of us went in my car for which I am comprehensively insured.

Both people I was travelling with bought a car each. Person 1 bought Car 1 with MOT but no tax. Person 2 bought Car 2 with MOT AND tax.

So Person 1 (with Privilege policy) could drive Person 2's new car, Person 2 could drive mine and I was the mug who ended up driving 40 miles in an un-taxed, uninsured car. Although I was sandwiched in between the other 2 so police wouldn't get the chance to check my car easily, it was a very stressful hour's drive home and wouldn't recommend it.

So...anyone who might need to drive uninsured cars regularly - Privilege is an option.

Imagine the paperwork if all three of you were sat in line at a set of lights and were rear ended at 30MPH by a juggernaut.;)

andy111

Jamie_Carter wrote: »

You need a minimum of third party insurance for the car before anyone can drive it.


Traders insurance is another matter completely. It insures employees of the trader to drive vehicles in their possession for the purposes of their trade.

Well said.

Mark_Mark

Jamie_Carter wrote: »

You need a minimum of third party insurance for the car before anyone can drive it.


Traders insurance is another matter completely. It insures employees of the trader to drive vehicles in their possession for the purposes of their trade.

Keep saying that doesn't make you right.

If your policy covers you the other vehicle need not have a policy.

I guess you've never seen a trade policy with sdp.

Mark_Mark

lvm wrote: »

Just in case this helps anyone who is debating the whole driving uninsured cars thing.

Privilege car insurance holders (all comprehensive policies I assume) can drive any car and it does NOT need to be insured in its own right.

Exclusions are:

Your own (or main) car must not be broken/beyond cost effective repair.
You cannot own the car you are driving. (Probably the most difficult thing to get around).
Other usual rules...third party only, can't claim if there's another policy covering the claim etc etc.

Only know this as I'm just back from an auction.

3 of us went in my car for which I am comprehensively insured.

Both people I was travelling with bought a car each. Person 1 bought Car 1 with MOT but no tax. Person 2 bought Car 2 with MOT AND tax.

So Person 1 (with Privilege policy) could drive Person 2's new car, Person 2 could drive mine and I was the mug who ended up driving 40 miles in an un-taxed, uninsured car. Although I was sandwiched in between the other 2 so police wouldn't get the chance to check my car easily, it was a very stressful hour's drive home and wouldn't recommend it.

So...anyone who might need to drive uninsured cars regularly - Privilege is an option.

Jamie Carter thinks all three of you are mugs.

londonTiger

Jamie_Carter wrote: »

You need a minimum of third party insurance for the car before anyone can drive it.


Traders insurance is another matter completely. It insures employees of the trader to drive vehicles in their possession for the purposes of their trade.

So daft, some people like to clutch at straws just to win an argument, this is a consumer forum. It us assumed everyone here is a consumer, if op had trade insurance that he paid 5x more than consumer insurance I don't think he'll come here seeking advice.

It's like someone starting a thread on worst mpg cars and then someone trying to one up by saying a tank has 1mpg or something. Playground nonsense

londonTiger

Privilege is premium insurer for most people. Changing insurer mid contract is never easy. Op should check their documents to see if they have that extended cover.

Mark_Mark

londonTiger wrote: »

Privilege is premium insurer for most people. Changing insurer mid contract is never easy. Op should check their documents to see if they have that extended cover.

!!!!!! is he on about?