Understand that I am thick and at the beginning of a learning curve.
- Thread starter Mackers
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neilly
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I was under the impression that you could drive any other car on your insurance (check policy) not owned by you. If it was somebody else’s car, but they didn’t have it insured then if you were not in the car it was not insured
So as an example, If I had 10 cars, but decided insurance was too high, with what you are saying, I could sell 9 of them to friends for £1 each, only insure the 1 vehicle I still owned and then providing my insurance covered me on vehicles I did not own, I could drive the others legally even if my friends who "owned" them did not insure them? I cannot see that being the case.
Cheers
I taxed the car on my mobile at the sale site. It's possible that I had it transported and was just pulling Disco's leg.I was under the impression that you could drive any other car on your insurance (check policy) not owned by you. If it was somebody else’s car, but they didn’t have it insured then if you were not in the car it was not insured
I.E if you parked up and went to get a coffee and it got stolen it’s not covered,oppppssss.
You owned the car at the point you drove it home
A V5 is not proof of ownership it’s the registered “keeper”
Also because tax and insurance are tied together, did you even have a taxed car?
J
neilly
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Sounds betterer.............
Cheers
If you look at it like that then yes, but only third party. No fire and theft.
Also the car would not be taxed as needs to be linked to insurance these days.
Things have changed so much now with all this internet stuff and all the linking of stuff.
J
So why bother taxing it if you transported it? How did you tax it? I thought it need to be insured these days to tax a car?
No I am confused
J
Amonst other reasons, you can tax your new car using the green ‘new keeper’s details’ slip (V5C/2) from a log book if you’ve just bought it. You go on your phone to here https://www.gov.uk/vehicle-taxSo why bother taxing it if you transported it? How did you tax it? I thought it need to be insured these days to tax a car?
No I am confused
J
neilly
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Interestingly , one of my policies covers 3rd party, but states the other car must be insured in its own right,
The other which I paid extra for to get fully comp on the DOC side, I am looking to see what that says. EDIT, Just checked, it also has to be insured in its own right.
Cheers
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Well I guess this conversation has opened a whole new can of worms. And people should really read their policy.
I still thought nowadays that the car had to be insured to tax it so don’t quite understand how @Mackers managed that.
As I have only had 1 vehicle in UK recently I never needed to worry.
But also remeber having a rider policy that covered me for any bike I was on if “owned by me “ (they assumed correctly you can only ride 1 bike at a time)
And my dad had a trade policy which was a free ticket for anything( expensive)
J
I still thought nowadays that the car had to be insured to tax it so don’t quite understand how @Mackers managed that.
As I have only had 1 vehicle in UK recently I never needed to worry.
But also remeber having a rider policy that covered me for any bike I was on if “owned by me “ (they assumed correctly you can only ride 1 bike at a time)
And my dad had a trade policy which was a free ticket for anything( expensive)
J
I taxed the car with no questions or tick boxes about insurance. This might be how someone might do it (I'm talking in the third person and I'm most likely wrong but told I'm not). You might go and pick a car up with your husband. If your husband has a fully comp. insurance policy, then HE is insured to drive any car third party (make sure your name's on the V5 slip as owner). Then, he can drive your new car home. If he crashes, the injured and he get paid out by his insurer, but you will get nothing for the damage to your car. So if I'm insured to drive any car, I might drive someone's car who tells me they're insured when they're not. There's nothing in our policies that says "you must make sure that the car you drive is definitely insured by the owner". Obviously if THE CAR isn't insured, if someone nicks it, then the owner is up the creek without a paddle. "That's what I think me Lord (is what I'd say if I ever did such a thing), and if I'm wrong, I'm very sorry. Take me to the cells and off with my head!". Strictly's quite exciting tonight btw :0)
neilly
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Seems to be policy specific, both mine state the car must be insured in its own right.
Cheers
Hippo
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A vehicle needs it's own insurance to be on the road. In addition to this the driver of said vehicle needs to be listed on the same policy or have their own insurance which covers them to drive it as a listed vehicle or via the "not owned by you" 3rd party option. This isn't anything new. It's been around for a good 10 years. What is new is insurance policies taking away the option to drive other peeps vehicles on 3rd party.
The only difference to the above is driving with a trade plate as a commercial user. The plate insures the vehicle while the trade plate is on it. Like LR main dealers using them for test drives.
The only difference to the above is driving with a trade plate as a commercial user. The plate insures the vehicle while the trade plate is on it. Like LR main dealers using them for test drives.
Ok so we have got past the difference in policy specifics.
I was under the impression that a car had to have an insurance policy listed on file to get tax?
If this is the case did you actually tax the car because the previous owner still had insurance on the car?
As far as I see it from insurance I would have to agree with that. As that’s pretty much as I said.
It’s the new tax system that is confusing me.
J
I was under the impression that a car had to have an insurance policy listed on file to get tax?
If this is the case did you actually tax the car because the previous owner still had insurance on the car?
As far as I see it from insurance I would have to agree with that. As that’s pretty much as I said.
It’s the new tax system that is confusing me.
J
neilly
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Or AF offering for an extra £20 upgrading from 3rd party to fully comp iin the Drive other cars section. Which I quite like.
Cheers
This is interesting. There are still some policies that don't have the strict stipulation. Our household doesn't but I understand we pay extra for it.
Just been reading other forums 'piston heads', compare, confused, money-supermarkert .... It depends on the DOC cover, some specify that the vehicle must have its own insurance, others don't. However bear in mind that once the DOC driver leaves the vehicle it is then uninsured & if left in a public place could get done!
neilly
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Personally, If I was you I would call to make sure, if you ever planned on driving a car that was not insured. Be aware that some of those sites are out of date due to the SORN issue. Because of the risks and the fines involved, car taken etc, I would not treat it as a given.
Cheers
neilly
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I do not understand that either.......what is it? Yes it is Adrian, I have personal recovery cover so do nto need it as part of my insurance...LOL. But then I drive aDisco and a Fender , so never needed it anyway.....................
....Honest....Cheers
