Driving friends car on my own car insurance

bill_on_line

Hi Group


Looking to drive my friends car on my own car insurance.


I have checked my own policy and I have third party cover when driving any car which I have been given permission to drive.


The car is not worth a lot of money £500 if it was stolen written off. My friend currently does not use this car as he has bought a newer vehicle and because of this does not have insurance for this car.


Can anyone see any problems with this setup.


Bill

Bennifred

I believe the car still has to be insured in its own right, even though you have insurance yourself.

Retrogamer

You will be covered to drive the vehicle technically, but it doesn't quite work the way you want it to work.

For example when you park the vehicle somewhere and step out it, then vehicle is no longer insured.

This aside, although you may be covered to drive it from one location on private enclosed off land to another legally, the registered keeper would receive a fine as it would be in breach of the continous insurance enforcement regulations

http://www.mib.org.uk/Motor+Insurance+Database/en/Continuous+Insurance+Enforcement/default.htm

lisyloo

You say your freed does not use the car.
The key question is - is the car taxed, mot'd and insured for the public road or is it declared off road (sorn).

System

Bennifred wrote: »

I believe the car still has to be insured in its own right, even though you have insurance yourself.

No it does not as far as DOC is concerned. Read your policy, talk to your insurer. My insurer states that the vehicle does not need its own insurance for me to drive it under DOC

However regulations make it very difficult to drive a vehicle not having its own insurance due to things such as being unable to leave it unattended on public roads and the pain of getting stopped when pinged by ANPR.

bill_on_line

lisyloo wrote: »

You say your freed does not use the car.
The key question is - is the car taxed, mot'd and insured for the public road or is it declared off road (sorn).

The car has a valid MOT and has road TAX (so no SORN)
But the owner no longer has it insured in his name, as hedoes not drive this car and parked/stored on private property.


Bill

Quentin

As the car is not SORN your friend commits an offence by not insuring it and can look forward to getting automatic fines through the post. Being parked on private land is irrelevant to the requirement to insure it.

thenudeone

Quentin wrote: »

As the car is not SORN your friend commits an offence by not insuring it and can look forward to getting automatic fines through the post. Being parked on private land is irrelevant to the requirement to insure it.

However, this is nothing to do with you, the driver.

As long as the vehicle is taxed (check it online first) and YOU are insured to drive it under any policy (take your certificate with you and show it to police if you are stopped) then you are not committing any offences.

forgotmyname

If your friend doesnt have tax OR insurance in force on that car then it should be SORN'd.

It must have continuous tax and insurance otherwise the DVLA will be sending him a nice fine for £80 ish for not SORN'ing it.

If you want to use it you need to add it onto your policy and tax it or your friend needs to add it back onto their insurance.

thenudeone

forgotmyname wrote: »

If you want to use it you need to add it onto your policy and tax it or your friend needs to add it back onto their insurance.

What???? Keep up.

The OP has already said:

bill_on_line wrote: »

The car has a valid MOT and has road TAX

and

bill_on_line wrote: »

I have checked my own policy and I have third party cover when driving any car which I have been given permission to drive.

So everything the OP legally has to comply with is covered.

The fact that the car's keeper is supposed to have continuous insurance cover is a separate issue (for the keeper ONLY) and applies regardless of whether the OP takes the car on the road or not, so isn't relevant to the question asked.

sheramber

But if the police checked and found that the car was not insured while the OP was driving it, the car could be wheel-clamped, impounded or destroyed and the OP would have a long walk home.