Car Insurance Question

sun_city_girl

My car insurance ran out on the 11th
I can't afford to get more - not even paying monthly, until I get paid on the 22nd, I am though a named driver on my partners policy so I'm guessing that means I'm still okay to use his car?
Also his insurance is fully comp and does cover him driving others cars so I guess he can still drive my car as 3rd party?

So is car insurance related to the car or person?? I'm confused!

Quentin

Your car must be insured in its own right at all times unless SORN (Google continuous insurance enforcement)


Nothing to stop you continuing to be a named driver on your partner's policy

sun_city_girl

So i can't have 2 weeks between insuring? Or just that my new policy will run dated from the 12th august? I'm not really sure how that works out when you have to wait until you have money?
I guess that just means not using my car?

csgohan4

sun_city_girl wrote: »

So i can't have 2 weeks between insuring? Or just that my new policy will run dated from the 12th august? I'm not really sure how that works out when you have to wait until you have money?
I guess that just means not using my car?

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


pretty clear to be honest

forgotmyname

Its not insured you MUST SORN it and park it off the road.

If not the DVLA will send you a nice bill for failing to SORN an uninsured vehicle.

And when you SORN it the tax gets cancelled. take your pick.

sun_city_girl

How long do the dvla allow as leeway between insuring it? Like do I get 2 weeks to make sure it's insured? 7 days? I mean they must allow a certain number of days because people do have unforeseen circumstances, like hospital stays etc? Obviously my aim is to insure it!

paddyandstumpy

Zero days grace. You must have continuous insurance on the car, as is the law.

This is partly why most insurers/brokers now automatically renew unless they hear from you to the contrary, or you opt out of the auto renewal.

cajef

There is no leeway it must be insured unless declared SORN and not on a public road.

forgotmyname

If your in hospital then, your car insurance maybe the last thing on your mind. Insurance often auto renews and it only takes a phonecall to get it renewed.

As your insurance has already run out the clock is ticking. The computer will know its not insured.

Norman_Castle

sun_city_girl wrote: »

Also his insurance is fully comp and does cover him driving others cars so I guess he can still drive my car as 3rd party?

Don't guess, check that his insurance covers driving other cars and check the details of his policy. Its very likely any car he drives needs to be covered by its own insurance for him to drive it using his cover.

Quentin

paddyandstumpy wrote: »

Zero days grace. You must have continuous insurance on the car, as is the law.

This is partly why most insurers/brokers now automatically renew unless they hear from you to the contrary, or you opt out of the auto renewal.

You do get (unspecified) days of grace.


When your car is flagged as uninsured you first get a warning letter - only if you ignore that do you get the fixed penalty for no insurance


https://www.mib.org.uk/reducing-uninsured-driving/continuous-insurance-enforcement/


(Breaking the continuous insurance rule is different to getting caught with an uninsured vehicle on the road - there's no grace period for that!!)