Insurance - Driving another car
Discussion
Just wondering about interpretation of insurance allowance to drive another car. This seems to suggest I could drive a car belonging to friend/grandmother etc., but not if they have insurance in place for it already? But if they didn’t, it should be SORNed though anyway so not drivable? Am I reading this correctly? I realise I could check with my insurance company, but I can’t face holding for 20 mins just to ask right now.
Does anyone actually drive a car on DOC cover? I wouldn't dare - imagine getting hit by some uninsured yoof and being stuck with the write off bill for your mates 20k car 
No thanks!
(I'm very risk averse in this regard - I'm that guy who won't ride other people's bikes at track days for example).
No thanks!
(I'm very risk averse in this regard - I'm that guy who won't ride other people's bikes at track days for example).
Dog Star said:
Does anyone actually drive a car on DOC cover? I wouldn't dare - imagine getting hit by some uninsured yoof and being stuck with the write off bill for your mates 20k car
No thanks!
(I'm very risk averse in this regard - I'm that guy who won't ride other people's bikes at track days for example).
I have 3 Sons that have cars and (for my sins) I often end up doing various repairs/maintenance jobs on them and so will drive on DOC cover, none of them are particularly valuable vehicles though. No thanks!
(I'm very risk averse in this regard - I'm that guy who won't ride other people's bikes at track days for example).
I have DOC cover and use it often, it's even extended DOC that gives me fully comp cover up to £20k on the car I'm driving.
IMHO the "car must have it's own insurance policy" is unenforceable. It's only there to stop the owner of the car being used getting pinged for no insurance if the driver exits the vehicle on the highway / public land at any point.
Legally you cannot use askMID to confirm if the car in question has cover and you are solely reliant on the owner telling the truth.
Driving another uninsured car under DOC from private land to private land is fully legal.
IMHO the "car must have it's own insurance policy" is unenforceable. It's only there to stop the owner of the car being used getting pinged for no insurance if the driver exits the vehicle on the highway / public land at any point.
Legally you cannot use askMID to confirm if the car in question has cover and you are solely reliant on the owner telling the truth.
Driving another uninsured car under DOC from private land to private land is fully legal.
ridds said:
Legally you cannot use askMID to confirm if the car in question has cover and you are solely reliant on the owner telling the truth.
If you have an accident whilst using your DOC extension, and your DOC extension states the car must have its own insurance, your insurers are fully entitled to ask you to provide proof that the car you were driving had it's own insurance. Like, the car's own insurance certificate. douglasb said:
I take that to mean that it doesn't have alternative insurance - for you - in place. ie you're not a named driver on your friend's policy.
That is exactly what it means.Insurance companies are always keen to ensure that only one policy covers a risk.
I've seen words like 'any other insured vehicle' to limit cover to driving other people's vehicles which are insured by their keepers.
If in doubt, ask you broker.
ridds said:
I have DOC cover and use it often, it's even extended DOC that gives me fully comp cover up to £20k on the car I'm driving.
IMHO the "car must have it's own insurance policy" is unenforceable. It's only there to stop the owner of the car being used getting pinged for no insurance if the driver exits the vehicle on the highway / public land at any point.
Legally you cannot use askMID to confirm if the car in question has cover and you are solely reliant on the owner telling the truth.
Driving another uninsured car under DOC from private land to private land is fully legal.
This is correct BUT only if the private land you are driving from is your driveway and the private land you are driving to is an MOT test centre, and you have a pre booked appointment.IMHO the "car must have it's own insurance policy" is unenforceable. It's only there to stop the owner of the car being used getting pinged for no insurance if the driver exits the vehicle on the highway / public land at any point.
Legally you cannot use askMID to confirm if the car in question has cover and you are solely reliant on the owner telling the truth.
Driving another uninsured car under DOC from private land to private land is fully legal.
For a car to be road legal it must have car tax and any car that is taxed must have insurance.
So "car must have it's own insurance policy" is very enforceable - unless you're getting an MOT!
ridds said:
I have DOC cover and use it often, it's even extended DOC that gives me fully comp cover up to £20k on the car I'm driving.
IMHO the "car must have it's own insurance policy" is unenforceable. It's only there to stop the owner of the car being used getting pinged for no insurance if the driver exits the vehicle on the highway / public land at any point.
Legally you cannot use askMID to confirm if the car in question has cover and you are solely reliant on the owner telling the truth.
Driving another uninsured car under DOC from private land to private land is fully legal.
You are wrong. IMHO the "car must have it's own insurance policy" is unenforceable. It's only there to stop the owner of the car being used getting pinged for no insurance if the driver exits the vehicle on the highway / public land at any point.
Legally you cannot use askMID to confirm if the car in question has cover and you are solely reliant on the owner telling the truth.
Driving another uninsured car under DOC from private land to private land is fully legal.
ridds said:
I have DOC cover and use it often, it's even extended DOC that gives me fully comp cover up to £20k on the car I'm driving.
IMHO the "car must have it's own insurance policy" is unenforceable. It's only there to stop the owner of the car being used getting pinged for no insurance if the driver exits the vehicle on the highway / public land at any point.
Legally you cannot use askMID to confirm if the car in question has cover and you are solely reliant on the owner telling the truth.
Driving another uninsured car under DOC from private land to private land is fully legal.
This does not make sense. Of course it is ‘enforceable’. You ask the owner of the car you intend to drive under the DOC extension for confirmation that the car is insured. This is easily achieved by getting a copy of the certificate of motor insurance for the car.IMHO the "car must have it's own insurance policy" is unenforceable. It's only there to stop the owner of the car being used getting pinged for no insurance if the driver exits the vehicle on the highway / public land at any point.
Legally you cannot use askMID to confirm if the car in question has cover and you are solely reliant on the owner telling the truth.
Driving another uninsured car under DOC from private land to private land is fully legal.
The onus is on YOU to ensure that you are driving within the terms of YOUR DOC cover. If you are unable to do so, you should not be attempting to use your DOC extension.
So what about DOC cover that doesn't stipulate that the car has to have it's own policy in place?
This is an additional clause that has only appeared in the last few years. Usually combined with "not owned by a family member or anyone else who lives at the same address".
DOC applies to you, driving said vehicle. Once you leave the vehicle it is no longer under your control and thus the insurance you had whilst in it no longer applies.
How does your insurance company covering you as a 3rd party risk, access the cover on the vehicle provided by another company?
This is an additional clause that has only appeared in the last few years. Usually combined with "not owned by a family member or anyone else who lives at the same address".
DOC applies to you, driving said vehicle. Once you leave the vehicle it is no longer under your control and thus the insurance you had whilst in it no longer applies.
How does your insurance company covering you as a 3rd party risk, access the cover on the vehicle provided by another company?
My policy just says:
ins said:
xxxxxx may also drive with the owner's permission a motor car not owned by them and not hired or leased to them under a hire purchase or annual leasing agreement.
Noted at the bottom of the page:ins said:
Driving other cars
Please remember that cover for driving other cars is for xxxxxxxx only and is limited to Third Party cover. This means they're not covered for fire, theft or accidental damage to the car they're driving.
Nothing about being separately insured.Please remember that cover for driving other cars is for xxxxxxxx only and is limited to Third Party cover. This means they're not covered for fire, theft or accidental damage to the car they're driving.
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