Best way to transport uninsured car

Jamie_Carter

Mark_Mark wrote: »

I have and it even covers a vehicle having no insurance at all and still being legal.

Really???


http://www.legislation.gov.uk/ukpga/1988/52/section/143

(1)Subject to the provisions of this Part of this Act—
(a)a person must not use a motor vehicle on a road [F1or other public place] unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act, and
(b)a person must not cause or permit any other person to use a motor vehicle on a road [F2or other public place] unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act.
(2)If a person acts in contravention of subsection (1) above he is guilty of an offence.
(3)A person charged with using a motor vehicle in contravention of this section shall not be convicted if he proves—
(a)that the vehicle did not belong to him and was not in his possession under a contract of hiring or of loan,
(b)that he was using the vehicle in the course of his employment, and
(c)that he neither knew nor had reason to believe that there was not in force in relation to the vehicle such a policy of insurance or security as is mentioned in subsection (1) above.
(4)This Part of this Act does not apply to invalid carriages.

Mark_Mark

Jamie_Carter wrote: »

No it isn't, because the vehicle isn't owned by, or being used in connection with the trader.

Have you seen a trade policy with sdp on it before?

lvm

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.

It's a good insurer if you weren't born in UK. Cheapest for 1st year and 4th cheapest for having 1 yrs no claims.

I checked the policy myself which confirms he is entitled to drive other cars subject to policy conditions which I stated in previous post.

Policy was changed to new car this morning and was VERY easy - quick phone call and saving of £4 including the admin fee.

Mark_Mark

Jamie_Carter wrote: »

Really???


http://www.legislation.gov.uk/ukpga/1988/52/section/143

Yes, can't you see where?

dacouch

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.

Not looked at them recently but Direct Line built the business originally to cover the non standard part of the market DL did not want eg drivers with convictions / accidents and / or executive cars.

If they're like they were originally it would be a stretch of the imagination to call them a premium insurer

skivenov

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.

You are aware that sdp policies do not include journeys in connection with the motor trade right?

Jamie_Carter

Mark_Mark wrote: »

Have you seen a trade policy with sdp on it before?

How many times....we aren't discussing trade policies

Jamie_Carter

Mark_Mark wrote: »

Yes, can't you see where?

You can't twist legislation around to suit your agenda

lvm

skivenov wrote: »

You are aware that sdp policies do not include journeys in connection with the motor trade right?

I don't know what an SDP policy is and I'm not in the motor trade. I was referring to a car being purchased at an auction which was bought for personal use.

colino

So what part of your traders policy makes up for you not having trade plates?