Insurance....driving other cars?

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busaboy

busaboy

New Member
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312
Location
Warwickshire
I always understood that if you had the clause on your insurance (fully comp or otherwise) allowing you to drive other cars then you could on a third party basis as long as it was already covered by someone elses insurance, normally the owner and, of course, taxed and tested.
However, i have heard that the other car does not need to be covered by other insurance and you can still drive it on yours.
Can anyone actually confirm this one way or the other for certain (not just rumor.)
 
the car does need to be insured, taxed and tested and used with the owners consent or you could just go out, snatch a car, mess someone up and still be insured third party.
normally you will only have third party on another car:rolleyes:
 
it also stops scrotes buying a metro, insuring it for £40 a year fully comp, then buying a subaru in someone elses name and driving it as a borrowed car
 
gegs88 said:
the car does need to be insured, taxed and tested and used with the owners consent or you could just go out, snatch a car, mess someone up and still be insured third party.
normally you will only have third party on another car:rolleyes:
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not on my policy ..my girlfriends car is taxed and MOT'd atm but not insured as its on her drive,i can legaly drive with my fully comp but ile be covered for 3rd party.


wafty
 
i'm fully comp with lancaster, don't get third party on other cars so it's back to adrian flux next month
 
I used to have motor trade insurance that allowed me to drive any vehicle whether mine or anyone elses. Wasn't all that expensive really.
 
wafty said:
not on my policy ..my girlfriends car is taxed and MOT'd atm but not insured as its on her drive,i can legaly drive with my fully comp but ile be covered for 3rd party.


wafty
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Check the policy again. Either you have specified that vehicle, in which case it's insured, or your insurance will cover you for "any other motor vehicle with a valid insurance policy in force". A vehicle you are driving is now legally required to have some form of insurance policy on specifically it, it's the new (ish) measure to try and combat uninsured drivers, so they can see and immediately identify people who are uninsured by the number plates of the vehicle. Wafty, i think you might be uninsured to drive it!
 
odenne said:
Check the policy again. Either you have specified that vehicle, in which case it's insured, or your insurance will cover you for "any other motor vehicle with a valid insurance policy in force". A vehicle you are driving is now legally required to have some form of insurance policy on specifically it, it's the new (ish) measure to try and combat uninsured drivers, so they can see and immediately identify people who are uninsured by the number plates of the vehicle. Wafty, i think you might be uninsured to drive it!
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thats what i was trying to say in my own little wigin way:D
 
odenne said:
Check the policy again. Either you have specified that vehicle, in which case it's insured, or your insurance will cover you for "any other motor vehicle with a valid insurance policy in force". A vehicle you are driving is now legally required to have some form of insurance policy on specifically it, it's the new (ish) measure to try and combat uninsured drivers, so they can see and immediately identify people who are uninsured by the number plates of the vehicle. Wafty, i think you might be uninsured to drive it!
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although ime now unemployed,and was at the time of renewal,i was a care manager..and any car i drive dont need to be insured by the owner,so long as its taxed and MOTd ime fine..ile post all the relevent deets tomoz :)

wafty

btw..girlfriends car is a 2000 pug 406 tdi what i sold her 12 months ago for £300
 
wafty said:
although ime now unemployed,and was at the time of renewal,i was a care manager..and any car i drive dont need to be insured by the owner,so long as its taxed and MOTd ime fine..ile post all the relevent deets tomoz :)

wafty

btw..girlfriends car is a 2000 pug 406 tdi what i sold her 12 months ago for £300
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OK, but check yer policy carefully - the law changed a couple of years ago and i have a feeling this is incorrect now.
 
wafty said:
although ime now unemployed,and was at the time of renewal,i was a care manager..and any car i drive dont need to be insured by the owner,so long as its taxed and MOTd ime fine..ile post all the relevent deets tomoz :)

wafty

btw..girlfriends car is a 2000 pug 406 tdi what i sold her 12 months ago for £300
Click to expand...

Which insurer are you with?
 
People have been known to be stopped by the rozzers because their car is not shown as insured on the national database. If you're driving such a car but your insurance does cover you it'd probably take some explaining to the usual thicko pc plod. I never got pulled when I had trade insurance but it was in the back of my mind so I used to carry a copy of my insurance certificate just in case.
 
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