A Question Upon Insurance
Discussion
Ok this is a question i would like to ask (i do know the actual correct answer) but i would like to gain peoples opinions / misconceptions on the matter 
If u have a valid insurance policy , with a Third party extension , what would the car u require to drive have by law for u 2 drive it ? Would the car have 2 be insured elsewhere ?
views plz especially welcomed from BiB if they were to stop someone drivin on a TPO extension
Thx Ross
If u have a valid insurance policy , with a Third party extension , what would the car u require to drive have by law for u 2 drive it ? Would the car have 2 be insured elsewhere ?
views plz especially welcomed from BiB if they were to stop someone drivin on a TPO extension
Thx Ross
Ross_ said:
Ok this is a question i would like to ask (i do know the actual correct answer) but i would like to gain peoples opinions / misconceptions on the matter
If u have a valid insurance policy , with a Third party extension , what would the car u require to drive have by law for u 2 drive it ? Would the car have 2 be insured elsewhere ?
views plz especially welcomed from BiB if they were to stop someone drivin on a TPO extension
Thx Ross
Christ Ross....your post looks like a ransom letter
...I've had to have the 13 year old in from next door to translate the text speech for me I think I know what you're getting at...Do you mean if you are to drive a car which is not your own, it needs to have a primary insurer elsewhere. ie: the car must be owned and insured by someone else and you are driving it on your policy which allows you to drive other vehicles "which are owned by them and with their permission"...
Am I in the right ball park?
Street
LOL street yes u r partially right
basically i was discussing with friends /colleagues the viabilty of driving an uninsured car (car has Tax and MOT) but car is not insured , the car is owner and registered to a friend of mine (reason for no insurance is the fact its a track car as such is used for Crail drifting events)
so the question was raised on a TPO extension can u drive an uninsureed car ? what would u r opinion on this be ?
sorry i will try and word my posts a bit less *txtish* lol
Ross
basically i was discussing with friends /colleagues the viabilty of driving an uninsured car (car has Tax and MOT) but car is not insured , the car is owner and registered to a friend of mine (reason for no insurance is the fact its a track car as such is used for Crail drifting events)
so the question was raised on a TPO extension can u drive an uninsureed car ? what would u r opinion on this be ?
sorry i will try and word my posts a bit less *txtish* lol
Ross
The other car does NOT need to be insured by someone else. For the time you are driving it it is covered by YOUR insurer, why would it need a second lot of cover?
It needs to be owned by someone other than yourself, it needs tax and to be roadworthy.
The third party only coverage is still valid on the vehicle whilst you were the last driver of it.
Lots of people get confused about this, some of it is insurers not wanting people to take advantage of this feature of the policy too much.
It needs to be owned by someone other than yourself, it needs tax and to be roadworthy.
The third party only coverage is still valid on the vehicle whilst you were the last driver of it.
Lots of people get confused about this, some of it is insurers not wanting people to take advantage of this feature of the policy too much.
yes thats correct muncher , i was just trying to gauge a general theory on it , i work for an insurance company , and even other people in my UNDERWRITING department were un aware of this 
this is worrying as they can set the policy rules ...lol
i was specifically asking for the police elements umungst us opinion , jut 2 see in what way the viewed the scenario
Ross
this is worrying as they can set the policy rules ...lol i was specifically asking for the police elements umungst us opinion , jut 2 see in what way the viewed the scenario
Ross
I must admit..it's grey area for me and I would like to know more and have it explained properly to me..
My concern is someone could buy crappy metro and insure themselves for nothing at all. Their wife could then buy a ferrari and the bloke could then drive it on the road with the Metro insurance and never touch the Metro again..(hypothetical example)
Is that about right?
Street
My concern is someone could buy crappy metro and insure themselves for nothing at all. Their wife could then buy a ferrari and the bloke could then drive it on the road with the Metro insurance and never touch the Metro again..(hypothetical example)
Is that about right?
Street
Ross_ said:
100% correct street , while the chap is driving the car he is covered TPO , the problem occurs when he parks the car on the queens highway and pops into the shop , as he is then technically uninsured
Ps anyone wanna drive a ferrari TPO is braver than me ...lol
Ross
The owner or the user? (popping into the shop scenario)
Street
The cover remains valid when parked outside the shops, until someone else drives it.
Although parked, the person borrowing the car is still "the driver" as far as insurance is concerned.
There's nothing stopping someone driving a Ferrari that way however, would you you drive a Ferrari TPO?
Although parked, the person borrowing the car is still "the driver" as far as insurance is concerned.
There's nothing stopping someone driving a Ferrari that way however, would you you drive a Ferrari TPO?
The cover is not dependant upon someone being in the vehicle, the TPO cover extends until someone else drives it.
Say I borrow the car, stop to fill up with petrol, despite me not being IN the car, I am still the driver as far as insurance is concerned.
I don't have a link to hand, but I used to work for AXA in motor claims, my Dad is also a claims manager at AXA, that's where the info comes from.
Say I borrow the car, stop to fill up with petrol, despite me not being IN the car, I am still the driver as far as insurance is concerned.
I don't have a link to hand, but I used to work for AXA in motor claims, my Dad is also a claims manager at AXA, that's where the info comes from.
Elephant say:
1b. driving other cars
If you qualify under this section, cover is limited to the policyholder and is restricted to Third Party Only. You are only covered when driving private motor cars within our territorial limits.
We will cover you for everything listed in clause 1a when you are driving any other car as long as:
your current Certificate of Motor Insurance says so and
the other car is not owned by you, a rental car, nor hired to you under a hire purchase or leasing agreement and
you have the owner's permission to drive the car and
you are not covered by any other insurance to drive it
1b. driving other cars
If you qualify under this section, cover is limited to the policyholder and is restricted to Third Party Only. You are only covered when driving private motor cars within our territorial limits.
We will cover you for everything listed in clause 1a when you are driving any other car as long as:
your current Certificate of Motor Insurance says so and
the other car is not owned by you, a rental car, nor hired to you under a hire purchase or leasing agreement and
you have the owner's permission to drive the car and
you are not covered by any other insurance to drive it
Muncher that should help to clarify to the others but I would add a word of warning. If that clause is not on the Certificate of Insurance of a driver driving another persons car, then he cannot do so. I gather some Insurance Co's will not permit.
There is a misconception that it can only be done providing that there is a current Insurance in force for the vehicle held by the owner.
Question of fact when a person has stopped being a user/driver. Stopping and popping into a newsagent IIRC has been held that remains driver, but at the end of the journey and he ceases then its back to the owner/user to show vehicle covered.
DVD
>> Edited by Dwight VanDriver on Sunday 25th July 15:46
There is a misconception that it can only be done providing that there is a current Insurance in force for the vehicle held by the owner.
Question of fact when a person has stopped being a user/driver. Stopping and popping into a newsagent IIRC has been held that remains driver, but at the end of the journey and he ceases then its back to the owner/user to show vehicle covered.
DVD
>> Edited by Dwight VanDriver on Sunday 25th July 15:46
That's true DVD, my policy with Elephant doesn't include DOC (driving other cars).
I've just had a chat with my Dad, the cover remains whilst you are the driver, by having the keys in your possession and no one else driving the car, the cover remains.
He also said insurers don't like DOC cover and it'll probably be dissapearing altogether in the next couple of years.
I've just had a chat with my Dad, the cover remains whilst you are the driver, by having the keys in your possession and no one else driving the car, the cover remains.
He also said insurers don't like DOC cover and it'll probably be dissapearing altogether in the next couple of years.
Ok mucher , i am still no 100% certain on the last person 2 drive etc
to throw in a scenario - say per chance i drove my friends taxed and moted vechile , no insurance policy in effect , he then for some reason is questioned by the bib surely he cant say the car is covered by my m8 Ross cos he was the last person 2 drive the vechile and has the keys ?
or am i picking u up incorrectly ?
Ross
to throw in a scenario - say per chance i drove my friends taxed and moted vechile , no insurance policy in effect , he then for some reason is questioned by the bib surely he cant say the car is covered by my m8 Ross cos he was the last person 2 drive the vechile and has the keys ?
or am i picking u up incorrectly ?
Ross
The BiB would only he interested in insurance if it was still parked on the road where you left it.
If they really wanted the owner to produce documents, provide a copy of your insurance certificate. The minimum required third party insurance is then provided by your insurer, on the condition that you last drove it and are still "in control of it".
If they really wanted the owner to produce documents, provide a copy of your insurance certificate. The minimum required third party insurance is then provided by your insurer, on the condition that you last drove it and are still "in control of it".
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