Discussion
Hi all, a quick query. We have been given the use of my father in laws car as he is out of the country. His insurance expires tomorrow.
Can I drive it under my insurance underwhich I can drive any car with the owners permision or do we have to take out separate insurance for his car/
Thanks
Can I drive it under my insurance underwhich I can drive any car with the owners permision or do we have to take out separate insurance for his car/
Thanks
I'm pretty sure that as long as the car is taxed, MOT'd etc and is legal to drive then you can drive the car (under a third party only driving other cars extension) regardless of whether there is an actual policy for the vehicle in force or not. Check with your insurers.
If you want fully comp insurance on the vehicle you could try www.dayinsure.com
If you want fully comp insurance on the vehicle you could try www.dayinsure.com
I checked my policy docs and although it states that I can drive 'any vehicle not owned by me nor hired to me under a hire-purchase agreement', it does not impose any other condition regarding the vehicle being otherwise insured. The contract term is, therefore, clear, it is insured for me to drive, with or without the owner having insurance.
However, should you then leave the vehicle on a road unattended by yourself, the owner could be guilty of the offence of having an uninsured vehicle on the road and, one might assume, you could also be guilty of aiding and abetting this offence (or something similar). I think 'leaving' would entail parking up, locking the vehicle and leaving it for a long period, not just stopping the vehicle to go into a shop or unload stuff from the boot, as for such short-term periods the vehicle would still be under your care and control in law.
However, should you then leave the vehicle on a road unattended by yourself, the owner could be guilty of the offence of having an uninsured vehicle on the road and, one might assume, you could also be guilty of aiding and abetting this offence (or something similar). I think 'leaving' would entail parking up, locking the vehicle and leaving it for a long period, not just stopping the vehicle to go into a shop or unload stuff from the boot, as for such short-term periods the vehicle would still be under your care and control in law.
Provided your insurance covers you, you can drive it. But as already said, the vehicle will only have cover whilst on the road when it is being driven by you under your policy. If parked on the road there will be offences.
The law is in the process of being changed to require that all vehicles that aren't SORN'd, must have a policy of insurance covering the vehicle, not just the perosn driving it at that time.
The law is in the process of being changed to require that all vehicles that aren't SORN'd, must have a policy of insurance covering the vehicle, not just the perosn driving it at that time.
cooperman said:
I checked my policy docs and although it states that I can drive 'any vehicle not owned by me nor hired to me under a hire-purchase agreement', it does not impose any other condition regarding the vehicle being otherwise insured. The contract term is, therefore, clear, it is insured for me to drive, with or without the owner having insurance.
However, should you then leave the vehicle on a road unattended by yourself, the owner could be guilty of the offence of having an uninsured vehicle on the road and, one might assume, you could also be guilty of aiding and abetting this offence (or something similar). I think 'leaving' would entail parking up, locking the vehicle and leaving it for a long period, not just stopping the vehicle to go into a shop or unload stuff from the boot, as for such short-term periods the vehicle would still be under your care and control in law.
However, should you then leave the vehicle on a road unattended by yourself, the owner could be guilty of the offence of having an uninsured vehicle on the road and, one might assume, you could also be guilty of aiding and abetting this offence (or something similar). I think 'leaving' would entail parking up, locking the vehicle and leaving it for a long period, not just stopping the vehicle to go into a shop or unload stuff from the boot, as for such short-term periods the vehicle would still be under your care and control in law.
Cooperman,
You are right.
I now recall the stipulation that the car is insured whilst under the control of a driver, however if left to be parked up somewhere, the car has no cover whatsoever.
The DOC extension is to be used in an emergency situation and not to be abused.
Regards
Steve
Vesuvius 996 said:
I think that you can only drive it if it has its own insurance policy attached to it.
Nope.
2000_celica said:
The car needs its own insurance policy, unless you have a 'trade' policy.
Nope.
g_stacey said:
Car needs own insurance.
Nope.
Cooperman is almost there.
If your insurance covers you to drive any vehicle not belonging to you then it doesn't matter if the vehicle isn't separately insured.
But the moment you stop driving it, then it is uninsured. Even if you are still sitting in the driver's seat.....
The offence is one of strict liability, committed by the owner of the vehicle.
So don't do it.
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