Car Insurance question
Discussion
Hi, I am selling my daughters car and her insurance expires in mid July. I can drive any car that doesn’t belong to me under the terms of my own insurance, third party only. When my daughter’s insurance expires, am I still entitled to drive it under the terms of my third party insurance or does it still need to have stand alone cover, ie my daughter has to continue to insure it under her name? The car is kept on private land and I would only want to drive it for potential buyers.
Thanks for any answers, I hope this is not in the “bleeding obvious” category!
Thanks for any answers, I hope this is not in the “bleeding obvious” category!
Oceanrower said:
av185 said:
No the car needs insurance in its own right.
FFS! Not again!It might. It might not. Ask your insurance company…
Continuous insurance enforcement however means a car will need to be insured, or on SORN (with a few exceptions)
Edited by 98elise on Monday 28th June 12:24
You may or may not be insured to drive it depending on your policy
The registered keeper will almost certainly be committing an offence though CIE
Full details under https://www.legislation.gov.uk/ukpga/1988/52/secti...
The registered keeper will almost certainly be committing an offence though CIE
Full details under https://www.legislation.gov.uk/ukpga/1988/52/secti...
Oceanrower said:
av185 said:
No the car needs insurance in its own right.
FFS! Not again!It might. It might not. Ask your insurance company…
Please provide a link proving which ones do.
av185 said:
Oceanrower said:
av185 said:
No the car needs insurance in its own right.
FFS! Not again!It might. It might not. Ask your insurance company…
Please provide a link proving which ones do.
Thanks for prompt replies, I will contact my own insurance company, but on balance of probabilities I suspect it will have to be insured in its own right. In terms of tax, I’m hoping it will be sold before the tax expires in a few months, but judging by the response via A…t….r, I’m not so sure!
Plus8 said:
Hi, I am selling my daughters car and her insurance expires in mid July. I can drive any car that doesn’t belong to me under the terms of my own insurance, third party only. When my daughter’s insurance expires, am I still entitled to drive it under the terms of my third party insurance or does it still need to have stand alone cover, ie my daughter has to continue to insure it under her name? The car is kept on private land and I would only want to drive it for potential buyers.
Thanks for any answers, I hope this is not in the “bleeding obvious” category!
Be mindful that if it's not covered by its own policy of insurance, it'll need to be declared SORN.Thanks for any answers, I hope this is not in the “bleeding obvious” category!
And once SORN'd, any unused whole months of tax will be refunded, meaning it will be untaxed.
If you're planning on using it (or test driving it for selling) you might be better at either renewing your daughter's policy, or adding it short term to your own.
SS2. said:
av185 said:
Oceanrower said:
av185 said:
No the car needs insurance in its own right.
FFS! Not again!It might. It might not. Ask your insurance company…
Please provide a link proving which ones do.
AV185, if you know nothing about a subject, why on earth would you make a comment offering legal advice to someone who may rely on it? It’s just irresponsible!
from: https://www.gov.uk/vehicle-insurance/uninsured-veh...
Uninsured vehicles
Rules in England, Wales and Scotland
You must have motor insurance for your vehicle if you use it on roads and in public places.
You do not need to insure your vehicle if it is kept off the road and declared as off the road (SORN). This rule is called ‘continuous insurance enforcement’.
If not, you could:
get a fixed penalty of £100
have your vehicle wheel-clamped, impounded or destroyed
face a court prosecution, with a possible maximum fine of £1,000
It does not matter who is driving the car - if you’re the registered keeper, you could get penalised.
You will also still have to pay for your insurance on top of any fines received.
That would imply to me that, any vehicle being used on the public road, has to have insurance in place, on the vehicle.
If you get stopped driving a vehicle without insurance in place, so long as your own insurance policy does not stipulate that the vehicle has to have it's own insurance in place, then you, as the driver are not committing an offence.
The registered keeper however, is guilty of the offence of allowing an uninsured vehicle to be used on the public road, and could face prosecution.
If your insurance policy stipulates that you can drive any other vehicle providing it has it's own insurance in place, and the vehicle doesn't, then both you as the driver, and the registered keeper are committing offences.
That's how I read the Law - Basically, any vehicle being used on the public road should have it's own insurance in place, to ensure no one is committing an offence.
Uninsured vehicles
Rules in England, Wales and Scotland
You must have motor insurance for your vehicle if you use it on roads and in public places.
You do not need to insure your vehicle if it is kept off the road and declared as off the road (SORN). This rule is called ‘continuous insurance enforcement’.
If not, you could:
get a fixed penalty of £100
have your vehicle wheel-clamped, impounded or destroyed
face a court prosecution, with a possible maximum fine of £1,000
It does not matter who is driving the car - if you’re the registered keeper, you could get penalised.
You will also still have to pay for your insurance on top of any fines received.
That would imply to me that, any vehicle being used on the public road, has to have insurance in place, on the vehicle.
If you get stopped driving a vehicle without insurance in place, so long as your own insurance policy does not stipulate that the vehicle has to have it's own insurance in place, then you, as the driver are not committing an offence.
The registered keeper however, is guilty of the offence of allowing an uninsured vehicle to be used on the public road, and could face prosecution.
If your insurance policy stipulates that you can drive any other vehicle providing it has it's own insurance in place, and the vehicle doesn't, then both you as the driver, and the registered keeper are committing offences.
That's how I read the Law - Basically, any vehicle being used on the public road should have it's own insurance in place, to ensure no one is committing an offence.
4rephill said:
from: https://www.gov.uk/vehicle-insurance/uninsured-veh...
Uninsured vehicles
Rules in England, Wales and Scotland
You must have motor insurance for your vehicle if you use it on roads and in public places.
You do not need to insure your vehicle if it is kept off the road and declared as off the road (SORN). This rule is called ‘continuous insurance enforcement’.
If not, you could:
get a fixed penalty of £100
have your vehicle wheel-clamped, impounded or destroyed
face a court prosecution, with a possible maximum fine of £1,000
It does not matter who is driving the car - if you’re the registered keeper, you could get penalised.
You will also still have to pay for your insurance on top of any fines received.
That would imply to me that, any vehicle being used on the public road, has to have insurance in place, on the vehicle.
If you get stopped driving a vehicle without insurance in place, so long as your own insurance policy does not stipulate that the vehicle has to have it's own insurance in place, then you, as the driver are not committing an offence.
The registered keeper however, is guilty of the offence of allowing an uninsured vehicle to be used on the public road, and could face prosecution.
If your insurance policy stipulates that you can drive any other vehicle providing it has it's own insurance in place, and the vehicle doesn't, then both you as the driver, and the registered keeper are committing offences.
That's how I read the Law - Basically, any vehicle being used on the public road should have it's own insurance in place, to ensure no one is committing an offence.
If I were taking my daughter's car for a pre-booked MOT & it was SORN'd with no tax or insurance of it's own, I wouldn't be committing an offence driving it third party under the 'driving any other car' part of my own insurance policy & she wouldn't either.Uninsured vehicles
Rules in England, Wales and Scotland
You must have motor insurance for your vehicle if you use it on roads and in public places.
You do not need to insure your vehicle if it is kept off the road and declared as off the road (SORN). This rule is called ‘continuous insurance enforcement’.
If not, you could:
get a fixed penalty of £100
have your vehicle wheel-clamped, impounded or destroyed
face a court prosecution, with a possible maximum fine of £1,000
It does not matter who is driving the car - if you’re the registered keeper, you could get penalised.
You will also still have to pay for your insurance on top of any fines received.
That would imply to me that, any vehicle being used on the public road, has to have insurance in place, on the vehicle.
If you get stopped driving a vehicle without insurance in place, so long as your own insurance policy does not stipulate that the vehicle has to have it's own insurance in place, then you, as the driver are not committing an offence.
The registered keeper however, is guilty of the offence of allowing an uninsured vehicle to be used on the public road, and could face prosecution.
If your insurance policy stipulates that you can drive any other vehicle providing it has it's own insurance in place, and the vehicle doesn't, then both you as the driver, and the registered keeper are committing offences.
That's how I read the Law - Basically, any vehicle being used on the public road should have it's own insurance in place, to ensure no one is committing an offence.
So it's not a case of 'any vehicle' needs it's own insurance policy or somebody will be committing an offence. It will depend on all the circumstances in each individual case.
TwigtheWonderkid said:
Oceanrower said:
AV185, if you know nothing about a subject, why on earth would you make a comment offering legal advice to someone who may rely on it?
Because this is Pistonheads, and traditions are important. 
You just need to read the policy to find out!
It's a bit like RTFM!I had a car insured with "Trinity Lane" (whoever they are) via Adrian Flux for a year that gave no DOC cover, but moved to LV via Chris Knott this year and have DOC so long as the car is insured by someone.
But my other car was with Churchill and I'm pretty sure it gave DOC cover regardless of whether the car was otherwise insured.
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