Can you drive an uninsured car if you have own insurnance?

[Maximum Bobs]

DS240 said:

However, am I not right in thinking that every vehicle must now be covered by insurance by law? Unless declared off the road? And if declared off road it won't be taxed or should not be driven on the road?
(forum police - I don't live in mainland uk, so not 100% with your specific rules, so I just want to clarify this is not a statement of fact and not a quote from a law book, but a mere question/opinion).

Good luck with that.

[littleredrooster]

DS240 said:

I must apologise for passing an opinion on a public forum. ..... How dare I give this opinion.

Apology accepted, but you need to realise that in a forum like SP&L, people are looking for facts, not opinions. They ask a legal-type question which requires an accurate fact-based answer.

Opinions are great for places like GG and The Lounge, but when someone asks for help on a specialist subject, it's best to have some knowledge of that subject before providing an answer. Opinions only serve to muddy the waters, as they have done on this thread.

[Gerard-gzls0]

Webchat from GOV.UK - 22.06.2021 - I'm not convinced that this is correct???????

Enquiry: If my own insurance permits me to drive another vehicle, not belonging to me, assuming that the other vehicle has Tax and MOT, does the other vehicle need to be insured in its own right - whether kept on or off the road?

2:20:08 PM
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2:21:35 PM
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2:21:49 PM
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Hi Gerard, we don't deal with insurance at DVLA. All I can advise is that in order for a vehicle to be on the road it itself needs tax, insurance and MOT.

2:22:58 PM
You
I know about the tax and MOT - my insurance allows me to drive any car that has MOT and Tax - does MY insurance satisfy the requirement for the car to be insured?

2:25:08 PM

The vehicle needs to have its own insurance in place. If you have any queries regarding your insurance policy you will need to contact your insurance provider.

2:25:35 PM
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2:25:44 PM

[cjs racing.]

Really, you lurk for 14 months, and then break it by replying to a zombi post from 9 years ago.

[MustangGT]

Agree with first reply in 2021, however to answer the question, the only people able to answer your question is your own insurer. What does the policy say? Why would DVLA have any idea what your insurance company say? They only record car details, driving licence details and whether a vehicle is taxed or SORN.

[mmm-five]

Gerard-gzls0 said:

snip...crap...snip

Why are you asking the DVLA? They have nothing to do with YOUR INDIVIDUAL insurance terms & conditions.

[CoolHands]

cjs racing. said:

Really, you lurk for 14 months, and then break it by replying to a zombi post from 9 years ago.

Hey! I resemble that remark!

[SiH]

Is this Breadvan's half-wit alter-ego?

[IJWS15]

If a vehicle isn't insured (i.e. it's registration number is listed on a valid insurance policy) it has to be SORN or an offence is committed (continuous insurance).

If SORN it can't be on the road whatever the driver's insurance certificate says - it is SORN.

What is difficult about it?

[sixor8]

Not if it's 'in the trade' it doesn't. You will still see vehicles with status as 'untaxed.' My Direct line policy does not stipulate that the other vehicle has to have its own insurance. Ideal for taking a friends car for an MoT or collecting a recent purchase for a 3rd party.

However, my Hasting motorcycle certificate clearly states that 3rd party other bikes is only valid if that bike already has its own policy in place.

[Oceanrower]

IJWS15 said:

If a vehicle isn't insured (i.e. it's registration number is listed on a valid insurance policy) it has to be SORN or an offence is committed (continuous insurance).

If SORN it can't be on the road whatever the driver's insurance certificate says - it is SORN.

What is difficult about it?

Other than the fact that you’re wrong? Nothing.

Just that you’re wrong.

I drove a SORN car yesterday, twice, totalling 30 odd miles, perfectly legally.

[IJWS15]

Indeed I am - you can drive to a pre-booked MOT appointment.

[Oceanrower]

And back.

Or for a vehicle identity check.

Or an emissions test.

Or a weights test.

Or as a motor trader…

[Decky_Q]

Just to point out the obvious, how is the vehicle taxed if there is no insurance in place against that vin?

[TwigtheWonderkid]

Decky_Q said:

Just to point out the obvious, how is the vehicle taxed if there is no insurance in place against that vin?

It's not. It doesn't need to be if you're driving it to a pre booked MOT.

If you're not driving it to a pre booked MOT, then the owner is committing an offence by allowing an untaxed car to be driven on the road. But the driver, if he had a DOC extension, and that extension does not stipulate that the vehicle being driven must have it's own insurance, is committing no offence.

[Cat]

TwigtheWonderkid said:

If you're not driving it to a pre booked MOT, then the owner is committing an offence by allowing an untaxed car to be driven on the road. But the driver, if he had a DOC extension, and that extension does not stipulate that the vehicle being driven must have it's own insurance, is committing no offence.

The driver, as well as the keeper, is committing an offence by using a untaxed vehicle.

Cat

[TwigtheWonderkid]

Cat said:

TwigtheWonderkid said:

If you're not driving it to a pre booked MOT, then the owner is committing an offence by allowing an untaxed car to be driven on the road. But the driver, if he had a DOC extension, and that extension does not stipulate that the vehicle being driven must have it's own insurance, is committing no offence.

The driver, as well as the keeper, is committing an offence by using a untaxed vehicle.

Cat

If that is the case, the offence they are committing is not driving without insurance.

[Cat]

TwigtheWonderkid said:

If that is the case, the offence they are committing is not driving without insurance.

I'm aware of that and haven't suggested there was an insurance offence. You stated that only the owner commits an offence by allowing the vehicle to be driven on a road without tax and that the driver is committing no offence. That is simply incorrect.

Cat

[BertBert]

Surely we are letting school boy maths get in the way here with a little logic problem
1 If taxed the car needs to be insured under CIS - so tick to DVLA for saying this
2 If the car is driven under DOC by someone and the conditions for that are met with regard to tax, not-sorned, MoT, exceptions, other insurance then that's not illegal for the driver. Doesn't mean that 1 doesn't apply.

Not hard.

[littleredrooster]

Please God - it’s nine years old. Let it stop.