Car insurance - selling without insurance
Discussion
My friend is selling a car, which has a little tax, but she is not insured on it. (has another car)
If someone comes round to test drive and has fully comp insurance (Covered 3rd party on her car) is this OK, or does the car need some form of insurance from her? (She will not be driving it)
T-J-K
If someone comes round to test drive and has fully comp insurance (Covered 3rd party on her car) is this OK, or does the car need some form of insurance from her? (She will not be driving it)
T-J-K
Should be ok while the other person is driving it, its irrelevent if shes got it insured or not but bare in mind once theyre out of it its uninsured and if its on the public road at that time its an offence. Also have her make sure that the prospective buyer does have the 'driving other cars' section on their certificate, 95% of the time its there but not always.
It's ok as long as that person's insurance covers the car whilst driving, It cannot be left on the public highway as the car is not insured directly. i.e once the guy stops driving the car the car is then unisured so if it's not on private land it is technically illegal. IMHO but i might be wrong
My understanding is that both the car and the driver must be insured. So if the car being test driven is not insured on a policy (either on its own or as an additional vehicle on another car's policy) then it is an offense to drive it on a public road (or even park it on a public road).
To be safe the vendor should insure the car as a temporary additional vehicle on their other car's policy. You can do this for up to 3 months usually and it is unlikely to cost more than £30-odd a month (judging my how much another PHer was recently charged for doing this for a Mondeo).
To be safe the vendor should insure the car as a temporary additional vehicle on their other car's policy. You can do this for up to 3 months usually and it is unlikely to cost more than £30-odd a month (judging my how much another PHer was recently charged for doing this for a Mondeo).
This has been done a few times recently but I can't find the threads, so here goes...
IF the potential vendor has cover to drive any car not owned by him on a 3rd party only basis, he's fine. Just because he has comprehensive cover on his own car does NOT automatically mean he has the cover extension - he needs to check, and so does your mate - if he doesn't have the cover your mate could be had up for allowing the offence of driving without insurance.
The car itself does NOT need to have it's 'own' insurance PROVIDED it's not left unattended on a public road or road to which the public has access (which IIRC includes, among others, public car parks).
IF the potential vendor has cover to drive any car not owned by him on a 3rd party only basis, he's fine. Just because he has comprehensive cover on his own car does NOT automatically mean he has the cover extension - he needs to check, and so does your mate - if he doesn't have the cover your mate could be had up for allowing the offence of driving without insurance.
The car itself does NOT need to have it's 'own' insurance PROVIDED it's not left unattended on a public road or road to which the public has access (which IIRC includes, among others, public car parks).
Interesting distinction. I wasn't aware of that.
loaf said:The car itself does NOT need to have it's 'own' insurance PROVIDED it's not left unattended on a public road or road to which the public has access (which IIRC includes, among others, public car parks).
So for all practical purposes it is fair to say that a car should have it's own policy as a car that cannot be left unattended is not much use in general.
But for a test drive I can see that the subtle distinction would be sufficient for it to be legal to drive.
I stand corrected.
moreymach said: Should be ok while the other person is driving it, its irrelevent if shes got it insured or not but bare in mind once theyre out of it its uninsured and if its on the public road at that time its an offence. Also have her make sure that the prospective buyer does have the 'driving other cars' section on their certificate, 95% of the time its there but not always.
this is, IIRC correct - mad/topcop answered it a while ago. The upshot seemed to be that when the car is being driven, it is insured. when it is parked it is not, and this constitutes an offence.
minimax said:
moreymach said: Should be ok while the other person is driving it, its irrelevent if shes got it insured or not but bare in mind once theyre out of it its uninsured and if its on the public road at that time its an offence. Also have her make sure that the prospective buyer does have the 'driving other cars' section on their certificate, 95% of the time its there but not always.
this is, IIRC correct - mad/topcop answered it a while ago. The upshot seemed to be that when the car is being driven, it is insured. when it is parked it is not, and this constitutes an offence.
Id hope so .. Ive been in the business 15 years
Gassing Station | General Gassing [Archive] | Top of Page | What's New | My Stuff