penaly points changed from 5 to 6 HELP!!!

chris147_2

cece

I know you said you had insurance to drive other vehicles but that doesn't always mean that's the case (sounds silly but let me explain).

Law states that:

'a person must not use a motor vehicle on a road or public place unless there is in force in relation to the use of the vehicle by that person a policy of insurance or such security . . . . . . . ."

Now my car insurnace states I can drive any other car or bike as well as my own. I also own a motorbike but it doesn't mean that my car policy means I can just ride my bike using my car insurance because there is no insurance in place in respect of the bike, only the car. If I were to use a friends car or bike that had insurance in place on it (as in my friend holds insurance for it) then I can drive it.

I hope that makes sense.

Most insurance policies only allow you to use vehicles that are insured by the other person. It doesn't mean you can just drive anything whether or not it's insured.

So, the car the garage had may not have been covered for your test drive and your insurance may not have covered it.

Also in most policies it does state that you have to be driving for a certain amount of time and over a certain age before you can drive any other vehicle (normally burried in the small print).

Hope this helps.

Altarf

chris147 wrote: »

Most insurance policies only allow you to use vehicles that are insured by the other person.

I disagree. Provided that your policy has the 'driving other cars' clause, and the car is not yours (or your spouses in some cases) then you are insured. As you quoted, "there is in force in relation to the use of the vehicle by that person a policy of insurance" and if I am driving someone else's (otherwise uninsured) car, the moment I sit behind the wheel my policy comes into force in relation to that vehicle.

chris147_2

Altarf wrote: »

I disagree. Provided that your policy has the 'driving other cars' clause, and the car is not yours (or your spouses in some cases) then you are insured. As you quoted, "there is in force in relation to the use of the vehicle by that person a policy of insurance" and if I am driving someone else's (otherwise uninsured) car, the moment I sit behind the wheel my policy comes into force in relation to that vehicle.

In that case why insure multiple cars when your one policy states you can drive anything?

I insure both my car and motorbike even though my car policy says I can drive other cars and bikes.

Why if you own two cars do you insure both? why not just insure one and just say well my insurance should cover me on the other.


It would also negate the fact that you could buy a cheap p reg modeo, insure it for a few hundred pounds, then go and buy a Ferrari and drive it fully insured because your Mondeo policy says you can.

If you crashed the Ferrari I bet your insurance wouldn't cover you just because you are insured on the Mondeo.

raskazz

chris147 wrote: »

In that case why insure multiple cars when your one policy states you can drive anything?

I insure both my car and motorbike even though my car policy says I can drive other cars and bikes.

Why if you own two cars do you insure both? why not just insure one and just say well my insurance should cover me on the other.

It would also negate the fact that you could buy a cheap p reg modeo, insure it for a few hundred pounds, then go and buy a Ferrari and drive it fully insured because your Mondeo policy says you can.

If you crashed the Ferrari I bet your insurance wouldn't cover you just because you are insured on the Mondeo.

Er, because the driving other cars clause stipulates that it only applies to vehicles not owned by yourself. Which you would know if you had read the thread, as it is fundamental to the OP's predicament!

Insurers anticipated this potential loophole donkey's years ago and since then have drafted the policy wording accordingly.

Altarf is quite correct.

Altarf

And some insurers are no longer offering it on new policies or are restricting it to drivers over a certain age, because they know that it is being abused.