Can i drive another car on my insurance?

Andybez38

If it is not currently insured by the current owner? Looking to buy a car off someone who has bought another car himself. He has changed his own insurance from the car i'm wanting to buy. He is no longer insured to drive it.

Looking at my own insurance document it states

the policy holder may also drive with the permission of the owner a motor car not owned by the policy holder and not hired to him under a hire purchase or lease agreement.

Can i drive it and take for a test drive/take to a garage for them to check over etc.

Billy_Bullocks

Double check the schedule and make sure the car you are driving doesn't need insurance.

Even then it won't be fully legal as it will have a sorn.

shaun_from_Africa

One way to make it totally legal to drive with regards to VED/sorn is that once you have confirmed that your insurance will cover the vehicle, book it in to a garage for an MOT test.
You can then drive it to the garage and if you find somewhere that offers MOT's for a reasonable price, it may well work out cheaper than paying a garage to simply check it over for you.

ossie

Remember though you are only driving it 3rd party not fully comp!

mchale

Generally no, the car has to have insurance to be covered by your DOV cover

Billy_Bullocks

mchale wrote: »

Generally no, the car has to have insurance to be covered by your DOV cover

That depends on the wording of your policy.

unforeseen

mchale wrote: »

Generally no, the car has to have insurance to be covered by your DOV cover

ONLY if your insurance states that.

As for SORN, that is a problem for the owner. Lack of insurance does not cancel the VED or MOT. Therefore if he hasn't declared SORN it is legal to drive the car under DOV if the policy does not stipulate that the vehicle needs its own insurance.

The only downside is that the car is only insured whilst you are in the vehicle so don't park on a public highway and get out.

Car_54

unforeseen wrote: »

As for SORN, that is a problem for the owner.

Possibly, but it's also a problem for the driver.

"If a person uses, or keeps, on a public road a vehicle (not being an exempt vehicle) which is unlicensed he is guilty of an offence. "

Vehicle Excise and Registration Act 1994, section 29(1).

Apodemus

Surely it is now also illegal to keep a vehicle not on a SORN without its own insurance? The vehicle itself has to be covered, regardless of whether it is on the road or not, unless it is on a SORN.

shaun_from_Africa

Apodemus wrote: »

Surely it is now also illegal to keep a vehicle not on a SORN without its own insurance? The vehicle itself has to be covered, regardless of whether it is on the road or not, unless it is on a SORN.

Correct but the OP hasn't stated one way or the other if the vehicle they want to test drive is sorned or not.
If it isn't, then it's nothing to do with the OP as it is the registered keeper who could possibly get fined.

Sorned or not, provided that the OP ensures that they have the minimum legal insurance coverage to drive the car then providing that they are only driving it to a pre-booked MOT, the sorn status won't matter.

unforeseen

[quote=[Deleted User];72044102]Possibly, but it's also a problem for the driver.

"If a person uses, or keeps, on a public road a vehicle (not being an exempt vehicle) which is unlicensed he is guilty of an offence. "

Vehicle Excise and Registration Act 1994, section 29(1).[/QUOTE]you missed the bit where I said about the VED. If the VED is still in force I.E. has not run out then it is licenced to be on the road.

The offences relate to ' keeping an UNTAXED vehicle on the road' either with or without a SORN