Trader insurance question to plod
Discussion
The insurance on my private car runs out on Saturday noon. Would the car be insured if a trader with proof of trader insurance drives it in the afternoon whilst still under my ownership, ie. on a test drive? I am aware that in the case of a private individual, insurance still needs to be in place by the current owner of the vehicle in order for a third party to be covered to drive it on their comprehensive private car policy, but I don't know how it works with traders.
The car has (and will still have) a valid MOT and RFL.
ETA: if the answer to the above is 'yes' would they need to display their trader registration plates or would its real number plate suffice?
The car has (and will still have) a valid MOT and RFL.
ETA: if the answer to the above is 'yes' would they need to display their trader registration plates or would its real number plate suffice?
Lemming Train said:
The insurance on my private car runs out on Saturday noon. Would the car be insured if a trader with proof of trader insurance drives it in the afternoon whilst still under my ownership, ie. on a test drive? I am aware that in the case of a private individual, insurance still needs to be in place by the current owner of the vehicle in order for a third party to be covered to drive it on their comprehensive private car policy, but I don't know how it works with traders.
The car has (and will still have) a valid MOT and RFL.
Insurance runs out at noon?The car has (and will still have) a valid MOT and RFL.
Can't imagine that is correct.
Just check that's what's written on their policy, if you really want to be double sure ask them to show you photo ID that matches the trade insurance. I guess if it's a large dealership it wont have their name on the policy, but it would say "any employee"
And trade plates also have to be on the MID so you can check that also if you're not sure.
Edited by Trevor555 on Wednesday 3rd July 21:37
Edited by Trevor555 on Wednesday 3rd July 21:56
2 sMoKiN bArReLs said:
Trevor555 said:
Yes, the trader can drive your car under their policy.
Whilst likely, it's impossible to say that without seeing the policy.There are plenty of Del Boy "traders" who won't have the correct insurance.
Edited by Trevor555 on Wednesday 3rd July 21:35
Lemming Train said:
I am aware that in the case of a private individual, insurance still needs to be in place by the current owner of the vehicle in order for a third party to be covered to drive it on their comprehensive private car policy,
Not true. Some DOC extensions state that, others don't. 2 sMoKiN bArReLs said:
Trade plates are only mobile tax.
...he didn't ask about Trade Plates, he asked about Trader's Insurance.OP - it's a PH myth that your car has to be insured for someone else to drive it with DOC cover; it depends on the company, mine makes no such stipulation.
But in any case, I'm almost certain that this would not apply to Trade Insurance otherwise it just wouldn't work. Check with him first, though, to make sure it is a genuine Trader's policy.
Lemming Train said:
The insurance on my private car runs out on Saturday noon. Would the car be insured if a trader with proof of trader insurance drives it in the afternoon whilst still under my ownership, ie. on a test drive? I am aware that in the case of a private individual, insurance still needs to be in place by the current owner of the vehicle in order for a third party to be covered to drive it on their comprehensive private car policy, but I don't know how it works with traders.
The car has (and will still have) a valid MOT and RFL.
ETA: if the answer to the above is 'yes' would they need to display their trader registration plates or would its real number plate suffice?
The car has (and will still have) a valid MOT and RFL.
ETA: if the answer to the above is 'yes' would they need to display their trader registration plates or would its real number plate suffice?
Thanks all.
But wait.. in smaller print underneath it, it says
I wonder how many other people think their policy covers them to drive other people's vehicles based on what it says on their insurance certificate, but if they looked at the policy booklet found that like mine above, they're actually NOT covered at all if the other vehicle doesn't already have an existing insurance policy in effect
With Hastings it says quite clearly on the certificate:
littleredrooster said:
OP - it's a PH myth that your car has to be insured for someone else to drive it with DOC cover; it depends on the company, mine makes no such stipulation.
Just out of curiosity, which companies are those? I have just checked this on my current Sheila's Wheels policy and also my Hastings policy and both say on the actual insurance certificate :Sheila's Wheels said:
The Policyholder, x, may also drive a car that is not owned by them, or hired or leased to them under a hire purchase or leasing arrangement, providing they have the owner's permission to drive the car.
As that is on the actual insurance certificate you would think that is conclusive enough, right?But wait.. in smaller print underneath it, it says
Sheila's Wheels said:
Please refer to your Policy Booklet and Renewal Updates for full terms and conditions of the driving other cars extension.
So I rummage through the booklet and eventually find the relevant part which says :Sheila's Wheels said:
Driving other cars Yes - extends to policyholder only
The policyholder may also drive a car that is not owned by them, or hired or leased to them under a hire purchase
or leasing arrangement providing they have permission to drive the car.
Cover is only in force if:
- The car is insured by the owner
- It is being driven in the UK, the Isle of Man or the Channel Islands
- You still have your car and it has not been sold, written off or damaged beyond cost effective repair.
So not ambiguous at all then... The policyholder may also drive a car that is not owned by them, or hired or leased to them under a hire purchase
or leasing arrangement providing they have permission to drive the car.
Cover is only in force if:
- The car is insured by the owner
- It is being driven in the UK, the Isle of Man or the Channel Islands
- You still have your car and it has not been sold, written off or damaged beyond cost effective repair.
I wonder how many other people think their policy covers them to drive other people's vehicles based on what it says on their insurance certificate, but if they looked at the policy booklet found that like mine above, they're actually NOT covered at all if the other vehicle doesn't already have an existing insurance policy in effectWith Hastings it says quite clearly on the certificate:
Hastings said:
Driving other cars: Included.
The insurer will cover you, x, for damage caused to third parties
while driving cars that aren't owned or hired to you or your partner. There must
be a valid insurance policy in force for the car you’re driving. This cover doesn’t
include damage to the car you’re driving. See section 3 of your policy for full
details.
The insurer will cover you, x, for damage caused to third parties
while driving cars that aren't owned or hired to you or your partner. There must
be a valid insurance policy in force for the car you’re driving. This cover doesn’t
include damage to the car you’re driving. See section 3 of your policy for full
details.
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