quick insurance question
Discussion
Evening all!
Bit of a daft question probably but ive just had a call from my mate about a car hes just bought. Hes not got a full licence and would need someone to be in the passenger seat so he can drive it home. He said he would be able to get insured on it as a provisional licence holder but as the registered keeper (if thats possible). Would the person in the passenger seat need to also be insured on the car? And if so would it have to be fully comp? and would a day insurance work?
thanks
swifty
Bit of a daft question probably but ive just had a call from my mate about a car hes just bought. Hes not got a full licence and would need someone to be in the passenger seat so he can drive it home. He said he would be able to get insured on it as a provisional licence holder but as the registered keeper (if thats possible). Would the person in the passenger seat need to also be insured on the car? And if so would it have to be fully comp? and would a day insurance work?
thanks
swifty
He can be the registered keeper while provisional, wouldn't need fully comprehensive insurance, and the person in the passenger seat wouldn't need to be insured on the car - the only requirements are over 21 and full licence held for 3 years (without suspensions in that time, I think).
He's gonna struggle to get day insurance, though. It's probably going to be a lot cheaper and easier for whoever's accompanying him to drive the car home!
He's gonna struggle to get day insurance, though. It's probably going to be a lot cheaper and easier for whoever's accompanying him to drive the car home!
McSam said:
He can be the registered keeper while provisional, wouldn't need fully comprehensive insurance, and the person in the passenger seat wouldn't need to be insured on the car - the only requirements are over 21 and full licence held for 3 years (without suspensions in that time, I think).
He's gonna struggle to get day insurance, though. It's probably going to be a lot cheaper and easier for whoever's accompanying him to drive the car home!
And please be aware, that if you drive the car home for him, using your drive any car tp clause, a lot of policies also require the car to have its own insurance.He's gonna struggle to get day insurance, though. It's probably going to be a lot cheaper and easier for whoever's accompanying him to drive the car home!
Nigel Worc's said:
And please be aware, that if you drive the car home for him, using your drive any car tp clause, a lot of policies also require the car to have its own insurance.
Almost without exception 
I meant somebody other than the provisional licence holder should insure it, to save costs.Noger said:
McSam said:
Almost without exception
Yeah, only those tiny little insurers like, oh, Direct Line, Churchill...Anyway - I rang them up just to clarify and they said that despite the wording on the policy, yes, the other vehicle DID have to be insured. I hate insurance companies
ETA: here you go
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
Dog Star said:
Noger said:
McSam said:
Almost without exception
Yeah, only those tiny little insurers like, oh, Direct Line, Churchill...Anyway - I rang them up just to clarify and they said that despite the wording on the policy, yes, the other vehicle DID have to be insured. I hate insurance companies
ETA: here you go
http://www.pistonheads.com/gassing/topic.asp?h=0&a...
It mentions needing insurance cover in force for the vehicle being used in the policy booklet on page 13, 1b.5
http://www.admiral.com/policyDocs/AD116%200912%20A...
Also on the Motor Insurance certificate, section 5 under persons or classes of persons entitled to drive.
Dog Star said:
Anyway - I rang them up just to clarify and they said that despite the wording on the policy, yes, the other vehicle DID have to be insured. I hate insurance companies
They are right, it does. The RK would need to insure it for it to be on the road. CIE.But that doesn't mean that it has to be insured for your DOC to be operational. If it says it on the certificate, and on the policy, then what a call centre person says is irrelevant.
I wouldn't have been DL, that is for sure.
Noger said:
McSam said:
Almost without exception
Yeah, only those tiny little insurers like, oh, Direct Line, Churchill...big_boz said:
Eh Direct line and Churchill will let you drive a car on the "any other car TP" element of your comp insurance policy, if the other car has no separate insurance on it?
If the insured's policy documentation says so, then yes..Direct Line conditions said:
1b. Driving other cars
If your certificate of motor insurance says so, this policy provides the same cover as above in 1a when you are driving any other motor car as long as you do not own it and it is not hired to you under a hirepurchase or leasing agreement. This cover only applies if:
• there is no other insurance in force which covers the same liability;
• you have the owner’s permission to drive the car;
• the car is registered in and being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands; and
• you still have your car and it has not been damaged beyond cost-effective repair.
Note – There is no cover under clause 1b for damage, fire or theft to the car you are driving.
If your certificate of motor insurance says so, this policy provides the same cover as above in 1a when you are driving any other motor car as long as you do not own it and it is not hired to you under a hirepurchase or leasing agreement. This cover only applies if:
• there is no other insurance in force which covers the same liability;
• you have the owner’s permission to drive the car;
• the car is registered in and being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands; and
• you still have your car and it has not been damaged beyond cost-effective repair.
Note – There is no cover under clause 1b for damage, fire or theft to the car you are driving.
SS2. said:
big_boz said:
Eh Direct line and Churchill will let you drive a car on the "any other car TP" element of your comp insurance policy, if the other car has no separate insurance on it?
If the insured's policy documentation says so, then yes..Direct Line conditions said:
1b. Driving other cars
If your certificate of motor insurance says so, this policy provides the same cover as above in 1a when you are driving any other motor car as long as you do not own it and it is not hired to you under a hirepurchase or leasing agreement. This cover only applies if:
• there is no other insurance in force which covers the same liability;
• you have the owner’s permission to drive the car;
• the car is registered in and being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands; and
• you still have your car and it has not been damaged beyond cost-effective repair.
Note – There is no cover under clause 1b for damage, fire or theft to the car you are driving.
If your certificate of motor insurance says so, this policy provides the same cover as above in 1a when you are driving any other motor car as long as you do not own it and it is not hired to you under a hirepurchase or leasing agreement. This cover only applies if:
• there is no other insurance in force which covers the same liability;
• you have the owner’s permission to drive the car;
• the car is registered in and being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands; and
• you still have your car and it has not been damaged beyond cost-effective repair.
Note – There is no cover under clause 1b for damage, fire or theft to the car you are driving.
I too hadn't seen one like that! Very nice. Although, this could be less useful due to the fact that now, technically speaking, the car cannot be taxed without insurance in place. I guess now insurers are protected from someone using a 'family member's' car on their DOC cover long-term without bothering to have it insured.
Sorry - if you look at my link the offending company, which won't come as a surprise to anybody, was Flux. I had a proper ding-dong with them about it - it wasn't just a call-centre bod.
Basically I went mental - they had one thing written in black and white on the policy which upon phoning them turned out to be untrue.
Basically I went mental - they had one thing written in black and white on the policy which upon phoning them turned out to be untrue.
McSam said:
I too hadn't seen one like that! Very nice. Although, this could be less useful due to the fact that now, technically speaking, the car cannot be taxed without insurance in place. I guess now insurers are protected from someone using a 'family member's' car on their DOC cover long-term without bothering to have it insured.
Also thinking about it, the car you a re driving TP on your DL or churchill policy will show on teh insurance Database as uninsured. If the PoPo's stopped you and you didnt have your insurance documentation with you, i doubt that they would believe you (why should they). Then they would confiscate the keys off you and put one of those "police aware" stickers in the window and tell you to get a cab home...No?Was there not a change in law not long back that states that all cars on the public highway Must carry Tax, MOT and insuarance?
Edited by big_boz on Thursday 22 November 10:16
Dog Star said:
Basically I went mental - they had one thing written in black and white on the policy which upon phoning them turned out to be untrue.
Printed policy terms & conditions trump call centre drones..big_boz said:
Also thinking about it, the car you a re driving TP on your DL or churchill policy will show on teh insurance Database as uninsured. If the PoPo's stopped you and you didnt have your insurance documentation with you, i doubt that they would believe you (why should they). Then they would confiscate the keys off you and put one of those "police aware" stickers in the window and tell you to get a cab home...No?
Or they could contact the insurer for verification..
big_boz said:
Was there not a change in law not long back that states that all cars on the public highway Must carry Tax, MOT and insuarance?
Are you thinking of the [fairly recent] CIE regulations which (simplistically) require a vehicle to be either covered by a valid policy of insurance or declared SORN ?Regardless, it's not the vehicle which is required to carry the insurance - it's users of motor vehicles who are required to be insured against 3rd party risks.
Gassing Station | General Gassing | Top of Page | What's New | My Stuff