Can u drive an uninsured car on another policy third party?

[JAM35F]

If I have a car registered to myself, tax and mot'd but not insured by myself, can my wife legally drive it on her fully comp policy that allows third party cover of any other vehicle not owned by her?

ie. does the car have to have an insurance policy on it for my wifes separate policy to cover her?

cheers in advance.

[Jakg]

If the policy booklet states the other car has to be insured - no. Otherwise yes (all you can do is read the small print of your insurance).

Only issue is if you leave it parked anywhere on the road - it's not insured if shes not driving it so it'll be taken away. And ANPR will get it stopped like crazy.

[Ocean]

The answer is no.

The car has to be insured to be driven or left on a public road aside of your driving other cars extension.

You may not see this in the small print but.......you are taking a risk to be honest and as the previous poster says, it does not have insurance in place so the moment you park it, it is illegal.

[ZOLLAR]

Depends if your wife's insurer require's the other car to be insured elsewhere, but even if they didnt i wouldnt risk it as per the reasons given above!

[over_the_hill]

Ocean said:

The answer is no.

The car has to be insured to be driven or left on a public road aside of your driving other cars extension.

You may not see this in the small print but.......you are taking a risk to be honest and as the previous poster says, it does not have insurance in place so the moment you park it, it is illegal.

No, the moment you leave the vehicle it's illegal if it's in a public place.

[JAM35F]

great, thanks for the replies, was only going to be short term until it sold in order to give it a run every now and then. Will just warm it on the drive then.

[saaby93]

JAM35F said:

great, thanks for the replies, was only going to be short term until it sold in order to give it a run every now and then. Will just warm it on the drive then.

If its in your policy you can do that take it out and bring it back and park up on the drive
The problem is if you want to get out half way round ( to buy petrol?), at that point it could be uninsured - although there was a post in a thread a while back about if youre still in charge youre still covered.

[SS2.]

Ocean said:

The car has to be insured to be driven...on a public road aside of your driving other cars extension.

Only if it is specifically required by the policy providing the third party extension.

[over_the_hill]

As this comes up so often would anyone like to have a go at preparing a Sticky with me.

[ZOLLAR]

over_the_hill said:

As this comes up so often would anyone like to have a go at preparing a Sticky with me.

I've thought about starting an insurance thread only thing that has stopped me is that i have a feeling it would turn into a " I know more than you lalala" slanging match sticky is a good idea though!

[Soovy]

JAM35F said:

If I have a car registered to myself, tax and mot'd but not insured by myself, can my wife legally drive it on her fully comp policy that allows third party cover of any other vehicle not owned by her?

ie. does the car have to have an insurance policy on it for my wifes separate policy to cover her?

cheers in advance.

The car being driven under Driving Other Cars MUST be insured under its own policy by someone other than you.

No if's, no buts.

[Stubby Pete]

Ocean said:

The answer is no.

The car has to be insured to be driven or left on a public road aside of your driving other cars extension.

You may not see this in the small print but.......you are taking a risk to be honest and as the previous poster says, it does not have insurance in place so the moment you park it, it is illegal.

A car does not have t be insured when left on a public highway. Only when it is used on a road.

However, with the advance of ANPR, it is likely to be seized as "uninsured" and will be pulled by every traffic cop that pings it! Way too much hassle for my liking.

[s2art]

Soovy said:

JAM35F said:

If I have a car registered to myself, tax and mot'd but not insured by myself, can my wife legally drive it on her fully comp policy that allows third party cover of any other vehicle not owned by her?

ie. does the car have to have an insurance policy on it for my wifes separate policy to cover her?

cheers in advance.

The car being driven under Driving Other Cars MUST be insured under its own policy by someone other than you.

No if's, no buts.

Source?

[Pcot]

s2art said:

Soovy said:

JAM35F said:

If I have a car registered to myself, tax and mot'd but not insured by myself, can my wife legally drive it on her fully comp policy that allows third party cover of any other vehicle not owned by her?

ie. does the car have to have an insurance policy on it for my wifes separate policy to cover her?

cheers in advance.

The car being driven under Driving Other Cars MUST be insured under its own policy by someone other than you.

No if's, no buts.

Source?

Why would you need a source? Common sense would tell you surely. If the vehicle is left unattended, who would be covering it!!

[saaby93]

Pcot said:

Why would you need a source? Common sense would tell you surely. If the vehicle is left unattended, who would be covering it!!

Not if it's in your back yard

[hornetrider]

saaby93 said:

Pcot said:

Why would you need a source? Common sense would tell you surely. If the vehicle is left unattended, who would be covering it!!

Not if it's in your back yard

Indeed.

This topic comes up so much yet I believe we have never had a satisfactory answer!

[Pcot]

saaby93 said:

Pcot said:

Why would you need a source? Common sense would tell you surely. If the vehicle is left unattended, who would be covering it!!

Not if it's in your back yard

Ok, if it was left unattended in a public place.

[KaraK]

Soovy said:

JAM35F said:

If I have a car registered to myself, tax and mot'd but not insured by myself, can my wife legally drive it on her fully comp policy that allows third party cover of any other vehicle not owned by her?

ie. does the car have to have an insurance policy on it for my wifes separate policy to cover her?

cheers in advance.

The car being driven under Driving Other Cars MUST be insured under its own policy by someone other than you.

No if's, no buts.

My insurer disagrees... I specifically asked them the same question and I was very clear about the situation. They told me that there was no requirement for a seperate policy on the vehicle for the DOC cover to be valid, they also told me that they would consider it covered under my DOC cover for any stops that were reasonably part of the journey, i.e. if I were to stop briefly to get petrol or to pick up a paper from shop.

Obviously this may well not be the case for all insurers and I can only recommend that anyone wanting to do this check their policy documents and confirm with their insurers themselves.

[Stubby Pete]

Pcot said:

saaby93 said:

Pcot said:

Why would you need a source? Common sense would tell you surely. If the vehicle is left unattended, who would be covering it!!

Not if it's in your back yard

Ok, if it was left unattended in a public place.

Where it's parked up? Why does it need TP cover?

[Pcot]

Stubby Pete said:

Pcot said:

saaby93 said:

Pcot said:

Why would you need a source? Common sense would tell you surely. If the vehicle is left unattended, who would be covering it!!

Not if it's in your back yard

Ok, if it was left unattended in a public place.

Where it's parked up? Why does it need TP cover?

Which bit do you not understand?
If a vehicle is on a public road in the UK, it needs to have insurance to cover the said vehicle.
If someone is driving it on "driving other vehicles" cover, the moment they leave the vehicle unattended, its uninsured.
All this "i've spoke to my insurance company and they've said its OK", is ridiculous. The telesales staff are clueless.........Get it in writing!