Insurance: Insured to drive any car?

[Marty Dolomite]

Originally Posted by zoidberg

For God's sake where is that brick wall, cos I'm getting fed up of trying to educate pork ( not you personally )

V5 states REGISTERED keeper is NOT necessarily the owner !! Hence I might have just one minute before bought the car !!!!!
ANY CAR must have it's own insurance to be LEGALLY on the road ! Hence folk being able to drive them on teir OWN INSURANCE , providing thier policy says they can ..........................which alot now DON'T ALLOW !!!
Is that simplified enough for you ???

Shark90 is right in saying that a trader using a traders policy can drive an uninsured car legally on the road, it can not be left unattended on the road.
If the trader is keeping the car for more than 14 days then they have to put that reg on the database.

If anyone (as a private buyer not a trader) buys a car you have to have your own certificate of insurance for that car and can not drive it on your driving other cars clause becasue the car legally belongs to you regardless of if you have signed the V5 or not.

[shark90]

Originally Posted by zoidberg

For God's sake where is that brick wall, cos I'm getting fed up of trying to educate pork ( not you personally )

V5 states REGISTERED keeper is NOT necessarily the owner !! Hence I might have just one minute before bought the car !!!!!
ANY CAR must have it's own insurance to be LEGALLY on the road ! Hence folk being able to drive them on teir OWN INSURANCE , providing thier policy says they can ..........................which alot now DON'T ALLOW !!!
Is that simplified enough for you ???

Not entirely sure why you quoted my post, I was posting reference the suggestion of adding a car to someone else's trade policy and then driving it yourself, which doesn't make it legal in the slightest.

[GaryS40]

Originally Posted by D5 Monkey

Just a quick question, I think I know the answer but after some confirmation...

I remember for many years that there always used to be a line in fully comp insurance policies that stated the policy holder was insured to drive any vehicle not owned by or under hire purchase to the policy holder, with the owner's permission. (3rd party cover), this was always handy to keep you legal on the odd occasion that you had to test drive a private car or pick one up for a friend etc.

Out of interest does this still exist on anyones policy?, looking at mine for the past few years it looks to have dissapeared off the policies that I have been buying.....

Shame really as I could do with a bit of cover while I try to sell the wifes old car (test drives etc) and don't really want to fork out on a new policy for a car that's not worth much.

It is on mine, which just came through the post last week.

Please bear in mind that the vehicle should also be insured by the owner, for roadtax to be legit etc. (saw that on road wars or similar a while ago)

If it does not mention the third party on other vehicles on your policy, or certificate of insurance, I would check with the company forst, as this option may have been revoked, to save costs.

Gary

[Marty Dolomite]

Originally Posted by GaryS40

Please bear in mind that the vehicle should also be insured by the owner, for roadtax to be legit etc. (saw that on road wars or similar a while ago)


Gary

The car does not have to be insured by the owner,it just have to have it own certifiacte of insurance in force this can be done by the vehicles guardian.
Roadtax and insurance are two seperate issues and offences although a taxed (road fund licence) car must be insured, if you drive an uninsured car this does not void the tax status!

[GaryS40]

Originally Posted by Marty Dolomite

The car does not have to be insured by the owner,it just have to have it own certifiacte of insurance in force this can be done by the vehicles guardian.
Roadtax and insurance are two seperate issues and offences although a taxed (road fund licence) car must be insured, if you drive an uninsured car this does not void the tax status!

Hi Marty

That is what I was meant to say, regards the insurance.

The comment on the tax was something that I heard a traffic cop say on the telly.

Gary

[Marty Dolomite]

Originally Posted by GaryS40

Hi Marty

That is what I was meant to say, regards the insurance.

The comment on the tax was something that I heard a traffic cop say on the telly.

Gary

Just to clarify as from earlier this year every car that has valid tax (Road fund licence) must have its own certificate of insurance in force, it doesn't matter who has insured that car as long as that reg is on the MID, if the car is not insured you will be fined even if it parked off road or in your own garage.
Of coures if the car is driven on the road then that driver must be insured to drive it beit as the owner, as a third party driver or using their own policys DOC clause.

[volvorocks]

Pretty simple.

Any car that is on the road has to have a policy of insurance on it.

Any person with the ability to drive any car not belonging to him or her can drive it.

The car in question being driven HAS to have a valid insurance policy on it

[Marty Dolomite]

Originally Posted by volvorocks

Pretty simple.

Any car that is on the road has to have a policy of insurance on it.

Any person with the ability to drive any car not belonging to him or her can drive it.

The car in question being driven HAS to have a valid insurance policy on it

again, not quite, some doc may exclude certain cars, have age restrictions or have exclusions for commuting etc.

[volvorocks]

Originally Posted by volvorocks

Pretty simple.

Any car that is on the road has to have a policy of insurance on it.

Any person with the ability to drive any car not belonging to him or her can drive it.

The car in question being driven HAS to have a valid insurance policy on it

Originally Posted by Marty Dolomite

again, not quite, some doc may exclude certain cars, have age restrictions or have exclusions for commuting etc.

Yes, certainly if specific documentation prohibits certain use.The basic principle is correct though.

Regards