Am i insured to drive another car for a few hours ?

[Deleted User]

Looking to drop a friends car off at webuyany car around 2 miles away but not too sure if my policy will cover me  ( mojo ) , I have contacted them by email but have not heard back from them an need to drop it off today .  The car was insured with her deceased husband but she does not have insurance on the car.

 

T

TheSpectator

Sounds like you are covered but DOC is usually 3rd party cover only.

MikeJXE

Check your insurance certificate 

MX5huggy

The owner of the car probably doesn’t have valid insurance if they have not have a new policy since the husband died. So your cover requirement is not met. I would just buy a temporary cover for even just 1 hour then there is no doubt. Google temporary car insurance. 

45mip19lot

I cannot understand what you have typed on the 5th paragraph down.

In my opinion, the owner of the car ie the deceased mans wife needs to be insured. If it was the husband only, then I would say the policy ceased when he died.

[Deleted User]

Just updated with a screenshot of the policy... quoted £37 for 4hrs temp insurance ...

etienneg

You are definitely NOT covered by insurance, as the owner (deceased's wife) does not have insurance on this vehicle (first bullet point requirement in your screenshot). This is a quite typical requirement.

£37 seems a lot at first sight, but not when compared with what might ensue from driving without insurance, even for a short time: at least 6 points on your licence (or possibly a driving ban), a fine and costs in 3 (or four) figures, and the effects of the points/ban on the cost of your insurance in future. Remember the number of ANPR cameras there are nowadays. And this is just the financial cost - not including the risk to someone of death or serious injury not covered by insurance should you be involved in a collision ...

Pay up, or sell the car to someone who will collect it legally.

FlorayG

You're not currently insured to drive it that's certain. I would buy £37 of insurance and if you need to you can claim that back from the estate

TooManyPoints

As an aside the Registered Keeper (RK) of the car is committing an offence under s144A of the Road Traffic Act which makes a requirement for every vehicle to either be insured or declared (and kept) off road via a SORN.

Since the RK is probably the deceased, the DVLA may have a little difficulty either collecting a fixed penalty or prosecuting him.  

DullGreyGuy

Who is currently the owner of the car? If it's still in the deceased's name, who's the executor of the estate?

Does the vehicle still have insurance on it? Who's the policyholder?

In most cases it will also be subject to if your certificate of insurance confirms you have DoC 

Herzlos

Phone your insurer and see how much it'd cost to add to your policy for a day. If it's less than £37 do that, otherwise take the temporary cover.

Are you authorized to sell the car to WBAC and can you provide evidence of it if they ask?