Insurance: Driving Other Cars

[Gavia]

roadsmash said:

I’m with LV= currently and can confirm my policy says nothing about other cars having to be insured, regarding DOC.

Although, the DOC cover is 3rd party only.

DOC cover is always TPO unless you buy an extension policy or a very expensive high net worth policy.

[Gavia]

Sheepshanks said:

I don't know about "no insurance" - I think it's just a £100 penalty under Continuous Insurance Enforcement.

CIE is more about ensuring your car is insured if it’s taxed. In this case it’s most likely to be SORN so a different penalty reason but similar fine.

[Sheepshanks]

Gavia said:

CIE is more about ensuring your car is insured if it’s taxed. In this case it’s most likely to be SORN so a different penalty reason but similar fine.

Might be SORN'd, might not be. I suppose any combination of breaches is possible.

[roadsmash]

Gavia said:

roadsmash said:

I’m with LV= currently and can confirm my policy says nothing about other cars having to be insured, regarding DOC.

Although, the DOC cover is 3rd party only.

DOC cover is always TPO unless you buy an extension policy or a very expensive high net worth policy.

Yep I know that’s the point I was trying to make, just in case it’s an oversight from the OP/he’s expecting fully comp cover.

[Gavia]

roadsmash said:

Yep I know that’s the point I was trying to make, just in case it’s an oversight from the OP/he’s expecting fully comp cover.

Fair point, I read it the other way, that you were surprised by it