Bought a new car, faulty old cars insurance ran out before I sold it. How to proceed?

Nobbie1967

Why not just pay the MOT garage to get it fixed for you. They will have trade insurance that may well cover uninsured cars, so they can drive it to the specialist and return it to your home ready to sell. Only issue then is buyers won't be able to test drive it.

George_Michael

arcon5 wrote: »

For which I'm yet to see any donestic insurer anywhere that allows other car cover on a vehicle without an existing policy on

Silver-Surfer wrote: »

Mine allows it.

As does mine. (Aviva).
www.aviva.co.uk/static/library/pdfs/motor/multi-car/NMDMG10249.pdf
See page 17 for DOC requirements.

Tammykitty

Just sell it as is, it's not worth the repair costs

arcon5 wrote: »

For which I'm yet to see any donestic insurer anywhere that allows other car cover on a vehicle without an existing policy on

So does mine - there is no restriction saying the vehicle must be insured


Actual wording:



Other road users (third parties)
This cover will also apply if you are driving any other car which your certificate of insurance covers you to drive. If you are covered to drive other cars, it will be shown in section 5(b) of your certificate of insurance.
This cover only applies if:

• You do not own the car or you have not hired the car under a hire-purchase agreement.
• It is shown that this cover applies under section 5(b) of your certificate of insurance;
• you have the owner’s permission to drive the car; and
• the vehicle is being used within the ‘limits for use’ shown in your current certificate of motor insurance.

This cover applies to damage or injury happening in the UK and Ireland only.
This extension applies only to private passenger vehicles. It does not include:

• Vans;
• Car-vans;
• Jeep type vehicles with no seats in the back; or
• Vans adapted to carry passengers.

sheramber

George_Michael wrote: »

As does mine. (Aviva).
www.aviva.co.uk/static/library/pdfs/motor/multi-car/NMDMG10249.pdf
See page 17 for DOC requirements.

But you are only covered third party, so if you damage the car you are driving that damage will not covered.

Silver-Surfer_2

Just sell it as is, it's not worth the repair costs

sheramber wrote: »

But you are only covered third party, so if you damage the car you are driving that damage will not covered.

But you only need third party cover to be legal, which is what the op is asking.

EpicFishFingers

OP here, bit of an update:

Took it in for an MOT as We Buy Any Car only offered me £503 based on a 12 month MOT. Turns out the exhaust has something wrong which caused it to fail, and with a few bulbs and the cost of the MOT that came to £195.

I went ahead and got it done as anyone buying it wouldn't trust a car with no MOT, and WBAC wanted the MOT too. The repairs finished today.

I thought I'd now need to get another temporary insurance deal for £35 but the garage said they'd drop the car off for me! I guess that's something worth asking: if your MOT garage will do that. I told them it was no longer insured and they said that's fine as they have their own insurance

Anyway WBAC got back to me 3 days after my original number plate lookup and are now offering me £623 for it. I might just give it to them and save myself the faff of sticking it on Auto Trader and having tits turn up and ask to test drive it "but I'm insured with [tin-pot 3rd party insurer] will that be okay?"

So yeah, can't be bothered to try and fix it now, and unless anyone thinks I'll get more then say £800 for a 2007 ford fiesta zetec diesel with 94k on the clock and an injector problem, I'll probably just give it to WBAC.

Thanks for your help though guys

Bigphil1474

The gov.uk website says you must have insurance for your vehicle if you use it on roads and in public places. So even if you have insurance that covers you to drive someone else's vehicle, that other vehicle still has to be insured otherwise it can't be used on the public road. You might be insured to drive the other vehicle, but that doesn't mean it's legal, as the car should be SORN. Something to do with the Continuous Insurance Enforcement laws introduced in 2011. Basically a car has to be insured or SORN, and if it's SORN, it shouldn't be on the road.

Tammykitty

Just sell it as is, it's not worth the repair costs

Bigphil1474 wrote: »

The gov.uk website says you must have insurance for your vehicle if you use it on roads and in public places. So even if you have insurance that covers you to drive someone else's vehicle, that other vehicle still has to be insured otherwise it can't be used on the public road. You might be insured to drive the other vehicle, but that doesn't mean it's legal, as the car should be SORN. Something to do with the Continuous Insurance Enforcement laws introduced in 2011. Basically a car has to be insured or SORN, and if it's SORN, it shouldn't be on the road.

I sold a car yesterday, that hadn't been insured since Sunday, didn't sorn it as I knew it would sell quickly. (And that would just create extra paperwork) So it was still taxed, and MOT'd, and I could in theory drive it under my own DOC extension (I didn't actually - the buyer took it for a test drive on my private lane only)


Car has now been transferred to the new owner.


I think the new rules make it impossible to be fully legal buying a new car,


My mum bought a new car on sunday, was insured and MOT'd but probably not taxed (unless the old owner hadn't sorned it). I tried to tax it online, but couldn't - so had to go the post office on Monday morning.


I would drive without tax if there was no reasonable alternative, but would never drive without insurance at all.

Silver-Surfer_2

Just sell it as is, it's not worth the repair costs

Bigphil1474 wrote: »

The gov.uk website says you must have insurance for your vehicle if you use it on roads and in public places. No, the road traffic acts says it. /COLOR]So even if you have insurance that covers you to drive someone else's vehicle, that other vehicle still has to be insured otherwise it can't be used on the public road. No it doesn't there's no law stating that.You might be insured to drive the other vehicle, but that doesn't mean it's legal, as the car should be SORN.If it's taxed, mot and the potential buyer has third party cover he's legal. Continuous rules have nothing to do with using. Something to do with the Continuous Insurance Enforcement laws introduced in 2011. Basically a car has to be insured or SORN, and if it's SORN, it shouldn't be on the road.

That's the danger with forum advice.

Silver-Surfer_2

Just sell it as is, it's not worth the repair costs

Tammykitty wrote: »

I sold a car yesterday, that hadn't been insured since Sunday, didn't sorn it as I knew it would sell quickly. (And that would just create extra paperwork) So it was still taxed, and MOT'd, and I could in theory drive it under my own DOC extension (I didn't actually - the buyer took it for a test drive on my private lane only)


Car has now been transferred to the new owner.


I think the new rules make it impossible to be fully legal buying a new car,


My mum bought a new car on sunday, was insured and MOT'd but probably not taxed (unless the old owner hadn't sorned it). I tried to tax it online, but couldn't - so had to go the post office on Monday morning.


I would drive without tax if there was no reasonable alternative, but would never drive without insurance at all.You've just said you would.

Not unless you added it to your current policy, you be using it without insurance.