Horsebox Sale

Undervalued

Jumblebumble said:

lincroft1710 said:

JReacher1 said:

Its a bit harsh obviously but it is not your horsebox anymore.  You've sold it so basically it is a problem for the buyer (who admittedly may come after you for damages). 

 Are you 100% sure the buyer doesn't have insurance?  Driving without a MOT is fine if you are off to the garage but would be surprised if the buyer didn't insure the horsebox from the day they bought it.

Even if the buyer had insurance, it would have to have been "any driver" or the OP being a named driver on the policy for her to avoid the charge of driving whilst uninsured

What if the OP had permission to drive horseboxes owned by third parties on their own policy?
There is an amazing amount of inaccurate pontificating on this thread

Well she may have done, however if you read her first few posts it comes over pretty clearly that she feels there was no insurance cover in place.

Her assertion that it was not necessary (or even possible) to have insurance to drive it to the MOT centre is wrong.

Manxman_in_exile

Jumblebumble said:

lincroft1710 said:

JReacher1 said:

Its a bit harsh obviously but it is not your horsebox anymore.  You've sold it so basically it is a problem for the buyer (who admittedly may come after you for damages). 

 Are you 100% sure the buyer doesn't have insurance?  Driving without a MOT is fine if you are off to the garage but would be surprised if the buyer didn't insure the horsebox from the day they bought it.

Even if the buyer had insurance, it would have to have been "any driver" or the OP being a named driver on the policy for her to avoid the charge of driving whilst uninsured

What if the OP had permission to drive horseboxes owned by third parties on their own policy?
There is an amazing amount of inaccurate pontificating on this thread

Aren't you pontificating inaccurately?

So far as I'm aware there is no insurance policy that covers the policy holder for "driving other vehicles" unless that other vehicle is already insured under someone else's policy.  An uninsured vehicle is still an uninsured vehicle whether the driver has "other vehicle" cover or not.  The OP has told us it wasn't insured.

I'm staggered that the OP would have thought it ok to drive it to the test centre knowing it was uninsured.

[Edit:  "Driving other vehicles" cover also usually only applies to 3rd party losses so it wouldn't cover damage to the horsebox being driven by the OP]

SpudGunPaul

Manxman_in_exile said:

Jumblebumble said:

lincroft1710 said:

JReacher1 said:

Its a bit harsh obviously but it is not your horsebox anymore.  You've sold it so basically it is a problem for the buyer (who admittedly may come after you for damages). 

 Are you 100% sure the buyer doesn't have insurance?  Driving without a MOT is fine if you are off to the garage but would be surprised if the buyer didn't insure the horsebox from the day they bought it.

Even if the buyer had insurance, it would have to have been "any driver" or the OP being a named driver on the policy for her to avoid the charge of driving whilst uninsured

What if the OP had permission to drive horseboxes owned by third parties on their own policy?
There is an amazing amount of inaccurate pontificating on this thread

Aren't you pontificating inaccurately?

So far as I'm aware there is no insurance policy that covers the policy holder for "driving other vehicles" unless that other vehicle is already insured under someone else's policy.  An uninsured vehicle is still an uninsured vehicle whether the driver has "other vehicle" cover or not.  The OP has told us it wasn't insured.

I'm staggered that the OP would have thought it ok to drive it to the test centre knowing it was uninsured.

[Edit:  "Driving other vehicles" cover also usually only applies to 3rd party losses so it wouldn't cover damage to the horsebox being driven by the OP]

How does the motor trade do it then?

born_again

SpudGunPaul said:

Manxman_in_exile said:

Jumblebumble said:

lincroft1710 said:

JReacher1 said:

Its a bit harsh obviously but it is not your horsebox anymore.  You've sold it so basically it is a problem for the buyer (who admittedly may come after you for damages). 

 Are you 100% sure the buyer doesn't have insurance?  Driving without a MOT is fine if you are off to the garage but would be surprised if the buyer didn't insure the horsebox from the day they bought it.

Even if the buyer had insurance, it would have to have been "any driver" or the OP being a named driver on the policy for her to avoid the charge of driving whilst uninsured

What if the OP had permission to drive horseboxes owned by third parties on their own policy?
There is an amazing amount of inaccurate pontificating on this thread

Aren't you pontificating inaccurately?

So far as I'm aware there is no insurance policy that covers the policy holder for "driving other vehicles" unless that other vehicle is already insured under someone else's policy.  An uninsured vehicle is still an uninsured vehicle whether the driver has "other vehicle" cover or not.  The OP has told us it wasn't insured.

I'm staggered that the OP would have thought it ok to drive it to the test centre knowing it was uninsured.

[Edit:  "Driving other vehicles" cover also usually only applies to 3rd party losses so it wouldn't cover damage to the horsebox being driven by the OP]

How does the motor trade do it then?

They have trade policy that covers them for all cars. 

https://insurance4motortrade.co.uk/

HillStreetBlues

born_again said:

SpudGunPaul said:

Manxman_in_exile said:

Jumblebumble said:

lincroft1710 said:

JReacher1 said:

Its a bit harsh obviously but it is not your horsebox anymore.  You've sold it so basically it is a problem for the buyer (who admittedly may come after you for damages). 

 Are you 100% sure the buyer doesn't have insurance?  Driving without a MOT is fine if you are off to the garage but would be surprised if the buyer didn't insure the horsebox from the day they bought it.

Even if the buyer had insurance, it would have to have been "any driver" or the OP being a named driver on the policy for her to avoid the charge of driving whilst uninsured

What if the OP had permission to drive horseboxes owned by third parties on their own policy?
There is an amazing amount of inaccurate pontificating on this thread

Aren't you pontificating inaccurately?

So far as I'm aware there is no insurance policy that covers the policy holder for "driving other vehicles" unless that other vehicle is already insured under someone else's policy.  An uninsured vehicle is still an uninsured vehicle whether the driver has "other vehicle" cover or not.  The OP has told us it wasn't insured.

I'm staggered that the OP would have thought it ok to drive it to the test centre knowing it was uninsured.

[Edit:  "Driving other vehicles" cover also usually only applies to 3rd party losses so it wouldn't cover damage to the horsebox being driven by the OP]

How does the motor trade do it then?

They have trade policy that covers them for all cars. 

https://insurance4motortrade.co.uk/

I think it was a rhetorical question

Alderbank

In the days when we had such things I never saw a horse with a tax disc. They don't need MOTs either.

Surely the OP could have hitched up a couple of stallions to pull the van to the MOT station?

TELLIT01

jess882023 said:

The purchaser also knows the wagon didn’t have insurance as she was to insure this when it passed it’s mot. 

The law is very simple.  It is the responsibility of the driver of a vehicle to ensure it is insured.  That responsibility cannot be passed on to any other party.  The purchaser was going to insure it once it passed its MOT so you were aware that they had not insured it.  The situation is a mess but it certainly looks to me that you are responsible for sorting the mess out.

Manxman_in_exile

SpudGunPaul said:

Manxman_in_exile said:

Jumblebumble said:

lincroft1710 said:

JReacher1 said:

Its a bit harsh obviously but it is not your horsebox anymore.  You've sold it so basically it is a problem for the buyer (who admittedly may come after you for damages). 

 Are you 100% sure the buyer doesn't have insurance?  Driving without a MOT is fine if you are off to the garage but would be surprised if the buyer didn't insure the horsebox from the day they bought it.

Even if the buyer had insurance, it would have to have been "any driver" or the OP being a named driver on the policy for her to avoid the charge of driving whilst uninsured

What if the OP had permission to drive horseboxes owned by third parties on their own policy?
There is an amazing amount of inaccurate pontificating on this thread

Aren't you pontificating inaccurately?

So far as I'm aware there is no insurance policy that covers the policy holder for "driving other vehicles" unless that other vehicle is already insured under someone else's policy.  An uninsured vehicle is still an uninsured vehicle whether the driver has "other vehicle" cover or not.  The OP has told us it wasn't insured.

I'm staggered that the OP would have thought it ok to drive it to the test centre knowing it was uninsured.

[Edit:  "Driving other vehicles" cover also usually only applies to 3rd party losses so it wouldn't cover damage to the horsebox being driven by the OP]

How does the motor trade do it then?

Please tell.

Manxman_in_exile

born_again said:

SpudGunPaul said:

Manxman_in_exile said:

Jumblebumble said:

lincroft1710 said:

JReacher1 said:

Its a bit harsh obviously but it is not your horsebox anymore.  You've sold it so basically it is a problem for the buyer (who admittedly may come after you for damages). 

 Are you 100% sure the buyer doesn't have insurance?  Driving without a MOT is fine if you are off to the garage but would be surprised if the buyer didn't insure the horsebox from the day they bought it.

Even if the buyer had insurance, it would have to have been "any driver" or the OP being a named driver on the policy for her to avoid the charge of driving whilst uninsured

What if the OP had permission to drive horseboxes owned by third parties on their own policy?
There is an amazing amount of inaccurate pontificating on this thread

Aren't you pontificating inaccurately?

So far as I'm aware there is no insurance policy that covers the policy holder for "driving other vehicles" unless that other vehicle is already insured under someone else's policy.  An uninsured vehicle is still an uninsured vehicle whether the driver has "other vehicle" cover or not.  The OP has told us it wasn't insured.

I'm staggered that the OP would have thought it ok to drive it to the test centre knowing it was uninsured.

[Edit:  "Driving other vehicles" cover also usually only applies to 3rd party losses so it wouldn't cover damage to the horsebox being driven by the OP]

How does the motor trade do it then?

They have trade policy that covers them for all cars. 

https://insurance4motortrade.co.uk/

HillStreetBlues said:

born_again said:

SpudGunPaul said:

Manxman_in_exile said:

Jumblebumble said:

lincroft1710 said:

JReacher1 said:

Its a bit harsh obviously but it is not your horsebox anymore.  You've sold it so basically it is a problem for the buyer (who admittedly may come after you for damages). 

 Are you 100% sure the buyer doesn't have insurance?  Driving without a MOT is fine if you are off to the garage but would be surprised if the buyer didn't insure the horsebox from the day they bought it.

Even if the buyer had insurance, it would have to have been "any driver" or the OP being a named driver on the policy for her to avoid the charge of driving whilst uninsured

What if the OP had permission to drive horseboxes owned by third parties on their own policy?
There is an amazing amount of inaccurate pontificating on this thread

Aren't you pontificating inaccurately?

So far as I'm aware there is no insurance policy that covers the policy holder for "driving other vehicles" unless that other vehicle is already insured under someone else's policy.  An uninsured vehicle is still an uninsured vehicle whether the driver has "other vehicle" cover or not.  The OP has told us it wasn't insured.

I'm staggered that the OP would have thought it ok to drive it to the test centre knowing it was uninsured.

[Edit:  "Driving other vehicles" cover also usually only applies to 3rd party losses so it wouldn't cover damage to the horsebox being driven by the OP]

How does the motor trade do it then?

They have trade policy that covers them for all cars. 

https://insurance4motortrade.co.uk/

I think it was a rhetorical question

For some reason I've previously formed the impression that SpudGunPaul was a police officer and that therefore they probably already knew the answer to the question they were asking.

Andy_L

Manxman_in_exile said:

Jumblebumble said:

lincroft1710 said:

JReacher1 said:

Its a bit harsh obviously but it is not your horsebox anymore.  You've sold it so basically it is a problem for the buyer (who admittedly may come after you for damages). 

 Are you 100% sure the buyer doesn't have insurance?  Driving without a MOT is fine if you are off to the garage but would be surprised if the buyer didn't insure the horsebox from the day they bought it.

Even if the buyer had insurance, it would have to have been "any driver" or the OP being a named driver on the policy for her to avoid the charge of driving whilst uninsured

What if the OP had permission to drive horseboxes owned by third parties on their own policy?
There is an amazing amount of inaccurate pontificating on this thread

Aren't you pontificating inaccurately?

So far as I'm aware there is no insurance policy that covers the policy holder for "driving other vehicles" unless that other vehicle is already insured under someone else's policy.  An uninsured vehicle is still an uninsured vehicle whether the driver has "other vehicle" cover or not.  The OP has told us it wasn't insured.

I'm staggered that the OP would have thought it ok to drive it to the test centre knowing it was uninsured.

[Edit:  "Driving other vehicles" cover also usually only applies to 3rd party losses so it wouldn't cover damage to the horsebox being driven by the OP]

Depends on the underwriters. Some insist it has other insurance & some don't