No Primary Car Insurance - Can others Drive it?

StarshipUK

I just got a new car and want to sell my old car.

My old car now has no primary car insurance on it.

With having no Primary Insurance, would someone else who has a full insurance policy be able to drive it, if their insurance covers them to drive other cars (under 3rd party fire and theft)?

Graham1

I think the answer is no as you will have to do an off road notification for the old vehicle.

http://www.moneysupermarket.com/car-insurance/blog/new-car-insurance-laws-explained/

dacouch

It would depend on the wording of the other people's cover.

Are you aware of the continuous insurance law which requires you as the registered keeper to either SORN the vehicle or have insurance on it?

StarshipUK

dacouch wrote: »

It would depend on the wording of the other people's cover.

Are you aware of the continuous insurance law which requires you as the registered keeper to either SORN the vehicle or have insurance on it?

No that is why I am asking here!!! is there a Link?

Quentin

Your car must be continuously insured (irrespective of where it is kept) unless you SORN it.


Google continuous insurance enforcement

Dangermac

My answer would be no. At the very best, it is unadvisable. At worst, it is not lawful. For the following reasons:

1. As explained by Dacouch, the law requires vehicles to either be continuously insured by the registered keeper, or SORN'd

2. You would need to be very careful that some-one driving your vehicle is, indeed, covered to do so, under the terms of their 'Driving other Cars' cover. Such cover can very from insurer to insurer. Some insurers might allow emergency use only. Some insurers may require primary insurance on the vehicle.

3. What if the person driving the car pops into the shops. The vehicle is now left uninsured on the road, which is against the law.


I would strongly recommend that the vehicle is either SORN'd or kept insured by you / the Registered keeper.


DM

Quentin

Dangermac wrote: »

My answer would be no. At the very best, it is unadvisable. At worst, it is not lawful. For the following reasons:

1. As explained by Dacouch, the law requires vehicles to either be continuously insured by the registered keeper, or SORN'd

2. You would need to be very careful that some-one driving your vehicle is, indeed, covered to do so, under the terms of their 'Driving other Cars' cover. Such cover can very from insurer to insurer. Some insurers might allow emergency use only. Some insurers may require primary insurance on the vehicle.

3. What if the person driving the car pops into the shops. The vehicle is now left uninsured on the road, which is against the law.


I would strongly recommend that the vehicle is either SORN'd or kept insured by you / the Registered keeper.


DM

1) Continuous insurance enforcement is nothing to do with DOC cover. (Though the driver needs to be aware there is no cover in case his insurer requires any "other" car to be insured in its own right)




2) "Emergency" only for DOC is a myth. Where have you seen that written into a policy?


3) "Popping into shops" is allowed, as it's considered part of the journey.


If the car is only to be uninsured for a short period, then keeping it off road won't result in a CIE problem - they write to you first to remind you of the CIE requirements, and only if you ignore that do you end up with a penalty

sheramber

StarshipUK wrote: »

No that is why I am asking here!!! is there a Link?

https://www.gov.uk/sorn-statutory-off-road-notification

System

Quentin wrote: »

If the car is only to be uninsured for a short period, then keeping it off road won't result in a CIE problem - they write to you first to remind you of the CIE requirements, and only if you ignore that do you end up with a penalty

It won't be off-road if the other person drives it.

But they could take it to a pre-booked MOT.

Quentin

Clifford_Pope wrote: »

It won't be off-road if the other person drives it.

But they could take it to a pre-booked MOT.

You quote me out of context.


I was replying to this:

Dangermac wrote: »

...I would strongly recommend that the vehicle is either SORN'd or kept insured by you / the Registered keeper.....

(Why would it be OK just to take it to a pre booked MOT?)

System

Quentin wrote: »

(Why would it be OK just to take it to a pre booked MOT?)

Because you can take an untaxed SORNed car to a pre-booked MOT as long as it has insurance.

Otherwise, if a car has no primary insurance it has to be SORNed, and if it is SORNed it can't be used on the road even if someone else is insured to drive it.