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Post by tomsk on Jul 30, 2017 16:20:24 GMT
I have a query that has sent my head spinning. I have received conflicting advice from all sources so far and hope someone here can clarify matters. I am not trying to circumnavigate the law or pull a fast one, just keen to keep costs down, 'paperwork' simple and avoid getting hung out to dry by my insurer.
Put briefly I may have a few weeks work which will involve a 100 mile daily commute, my bus is well capable of the job but is 20 years old and as thirsty as Keith Moon on his sixth packet of salt and vinegar. Having just made the idiotic decision to hang on to the old girl and spend money smoothing out its rough edges I would rather not use it.
I have been offered the use of my mates old 205 diesel which does about a million miles a gallon, it's taxed and MOT'ed but his insurance has just run out, it's parked off-road on private property.
My fully comp. insurance covers me to 'drive any other vehicle not owned by me' third party, which is fine by me and my pal.
Can anyone see a problem with me driving it on this basis?
I 'think' the only possible drawback is I may well be bothered by ANPR equipped Police Folk as there will be no policy on the actual car, though I am covered to drive it.
I have posted this on the other side as well.
Tom
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Post by Jim on Jul 30, 2017 16:27:35 GMT
I don't know where I got it from but have always thought the vehicle owner needs to have insurance too. I may be wrong.
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Post by Delta9 on Jul 30, 2017 16:32:20 GMT
Dig out your policy and check it out before doing it. I don't have mine to hand but remember it saying something along the lines of that I am covered third party on any other vehicle, but only if there is already a policy on that vehicle for its regular owner.
I think this is to prevent me getting a second car and leaving it in someone else's name but using it myself therefore saving myself from getting another policy.
Also would be a pain in the arse keep getting pulled, and you can guarantee the rozzers will find something wrong with the car to give you a ticket on.
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Post by kris on Jul 30, 2017 16:34:48 GMT
Gimp, do your own research.
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Post by Deleted on Jul 30, 2017 16:40:15 GMT
I have a query that has sent my head spinning. I have received conflicting advice from all sources so far and hope someone here can clarify matters. I am not trying to circumnavigate the law or pull a fast one, just keen to keep costs down, 'paperwork' simple and avoid getting hung out to dry by my insurer.
Put briefly I may have a few weeks work which will involve a 100 mile daily commute, my bus is well capable of the job but is 20 years old and as thirsty as Keith Moon on his sixth packet of salt and vinegar. Having just made the idiotic decision to hang on to the old girl and spend money smoothing out its rough edges I would rather not use it.
I have been offered the use of my mates old 205 diesel which does about a million miles a gallon, it's taxed and MOT'ed but his insurance has just run out, it's parked off-road on private property.
My fully comp. insurance covers me to 'drive any other vehicle not owned by me' third party, which is fine by me and my pal.
Can anyone see a problem with me driving it on this basis?
I 'think' the only possible drawback is I may well be bothered by ANPR equipped Police Folk as there will be no policy on the actual car, though I am covered to drive it.
I have posted this on the other side as well.
Tom
I think you will find the car has to be insured for yours to be valid. Your not the registered keeper, and the anpr will keep flagging you up. |
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Post by Andyberg on Jul 30, 2017 16:47:45 GMT
Got to be insured by registered keeper otherwise it would be a great loophole for ex drunk drivers / 17 yo mummy's boys driving round in lambo's / porsche' on the 3rd party cover whilst insuring their other knackered 106's fully comp for £200
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Post by tomsk on Jul 30, 2017 16:48:36 GMT
I have a query that has sent my head spinning. I have received conflicting advice from all sources so far and hope someone here can clarify matters. I am not trying to circumnavigate the law or pull a fast one, just keen to keep costs down, 'paperwork' simple and avoid getting hung out to dry by my insurer.
Put briefly I may have a few weeks work which will involve a 100 mile daily commute, my bus is well capable of the job but is 20 years old and as thirsty as Keith Moon on his sixth packet of salt and vinegar. Having just made the idiotic decision to hang on to the old girl and spend money smoothing out its rough edges I would rather not use it.
I have been offered the use of my mates old 205 diesel which does about a million miles a gallon, it's taxed and MOT'ed but his insurance has just run out, it's parked off-road on private property.
My fully comp. insurance covers me to 'drive any other vehicle not owned by me' third party, which is fine by me and my pal.
Can anyone see a problem with me driving it on this basis?
I 'think' the only possible drawback is I may well be bothered by ANPR equipped Police Folk as there will be no policy on the actual car, though I am covered to drive it.
I have posted this on the other side as well.
Tom
I think you will find the car has to be insured for yours to be valid. Your not the registered keeper, and the anpr will keep flagging you up. Thanks Steve, this confirms advice I have received by someone who should know on CWDF.
My mate may reinsure anyway, otherwise I'll get it added onto my policy.
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Post by Telemachus on Jul 30, 2017 16:59:49 GMT
Yes definitely as previously mentioned. If you think about it, when the cops stop an uninsured driver they won't release the vehicle until it is insured. If this could be circumvented by having a mate with a "driving other vehicles" policy, there would be no point. With the proliferation of uninsured drivers in the last 10 years or so, all policies I've seen require the vehicle to be insured by its owner/keeper for the "driving other vehicles" bit to be applicable to a non-owner/keeper. There is of course the MID these days, so to anyone including the cops' ANPR, the vehicle would flag up as being uninsured.
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Post by thebfg on Jul 30, 2017 17:00:13 GMT
Temporary insurance does not cost a lot.
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Post by Mr Stabby on Jul 30, 2017 17:05:41 GMT
As per all of the above, you will only be covered to drive it under your policy as an adjunct to a previously existing policy.
EDIT I would also suggest you check your policy very carefully, and not just assume that you have this cover because you did at some stage in the past, insurance companies have been withdrawing the "drive other vehicles" cover for a few years now. I am not insured to drive other vehicles under my policy, which I accept as a compromise for paying £210 a year for fully comp insurance on a group 21 car.
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Post by patty on Jul 30, 2017 17:48:17 GMT
This insured to drive other cars is not as it seems..my sis got into bother over this..so check carefully
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Post by Deleted on Jul 30, 2017 18:09:05 GMT
I have a query that has sent my head spinning. I have received conflicting advice from all sources so far and hope someone here can clarify matters. I am not trying to circumnavigate the law or pull a fast one, just keen to keep costs down, 'paperwork' simple and avoid getting hung out to dry by my insurer.
Put briefly I may have a few weeks work which will involve a 100 mile daily commute, my bus is well capable of the job but is 20 years old and as thirsty as Keith Moon on his sixth packet of salt and vinegar. Having just made the idiotic decision to hang on to the old girl and spend money smoothing out its rough edges I would rather not use it.
I have been offered the use of my mates old 205 diesel which does about a million miles a gallon, it's taxed and MOT'ed but his insurance has just run out, it's parked off-road on private property.
My fully comp. insurance covers me to 'drive any other vehicle not owned by me' third party, which is fine by me and my pal.
Can anyone see a problem with me driving it on this basis?
I 'think' the only possible drawback is I may well be bothered by ANPR equipped Police Folk as there will be no policy on the actual car, though I am covered to drive it.
I have posted this on the other side as well.
Tom
Most policies seem to state you can drive another car 'TPO' but that the car you are driving also has to have insurance in it's own right too. edit - seems I am the umpteenth person who has said the same. |
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Post by Deleted on Jul 30, 2017 18:13:05 GMT
This insured to drive other cars is not as it seems..my sis got into bother over this..so check carefully I nearly got caught out assuming I was insured to drive my daughters car TPO as I am a named driver on my wifes' policy (I don't have one in my own name). When I checked of course I discovered that extending cover to drive other vehicles only extends to the main driver on the policy NOT any additional/named drivers. |
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Post by bodger on Jul 30, 2017 21:11:25 GMT
My current policy simply states:
Providing the above vehicle is still owned and insured under this policy, the Policyholder may also drive, subject to the owner's permission, any other motorcar which does not belong to him/her or is not hired to him/her under a hire purchase or leasing agreement of at least 12 months duration.
I would expect the police to pull me up regularly, but i would also expect them to accept that I was insured to drive the vehicle.
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Post by Deleted on Jul 30, 2017 22:19:34 GMT
My current policy simply states: Providing the above vehicle is still owned and insured under this policy, the Policyholder may also drive, subject to the owner's permission, any other motorcar which does not belong to him/her or is not hired to him/her under a hire purchase or leasing agreement of at least 12 months duration.I would expect the police to pull me up regularly, but i would also expect them to accept that I was insured to drive the vehicle. Well if the owner of the vehicle didnt have insurance (which is what is being discussed here) They (the owner of the vehicle you were stopped driving) could however have a problem as its a requirent for all vehicles to be continuously insured unless they are declared SORN. It actually wouldn't matter who was driving it at the time. www.gov.uk/vehicle-insurance/uninsured-vehicles |
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