Neighbour is driving an uninsured car - advice needed

[Beeby]

Hi all,
Had a heated discussion with my neighbour tonight. His family own several vehicles. His son owns a car that he and his wife drive often. The car itself has no insurance - I have checked askmid and it is true. He claims that he can drive the car as he and his wife are covered to drive any car with their comprehensive policy. I told him that the car itself has to have a policy attached to it or he and his wife are driving unisured and risk being prosecuted. I am 99% sure I am right but my neighbour is having none of it. What do you think I should do? I actually quite like the guy and don't want him to get into trouble.

[geeteeaye]

Depends on their insurance policy wording IIRC.

[RobbieL]

Beeby said:

I am 99% sure I am right

Wrong - you're 100% right. Make sure the tit insures it properly. Fed up of paying huge premiums because aholes can't be bothered properly to check if they're insured "cause some bloke down the pub said I am".

[Ozzie Osmond]

It is not the car which has to be insured, it's the driver.

[v8will]

Stop being a busy body and keep out of it.

Right or wrong you'll only create more grief for yourself than it's worth. Just hope ANPR flags the car and he gets pulled and dealt with by the Police.

[tr7v8]

Stop being so pompous, not all policies require the other car to have a policy on. Depends on the DOC extention.

[RobbieL]

Ozzie Osmond said:

It is not the car which has to be insured, it's the driver.

If you have 3rd party liability and "permission to drive another car" on your insurance, the "another car" has to be insured. No?

[tyranical]

Assuming your correct, its people like that making insurance go up for everyone and you get some idiots on here who would rather turn a blind eye to people like that than do something about it?

[Beeby]

v8will said:

Stop being a busy body and keep out of it.

Right or wrong you'll only create more grief for yourself than it's worth. Just hope ANPR flags the car and he gets pulled and dealt with by the Police.

Right ok mate so if his uninsured car rolls off the driveway into my car then who is going to pay out? So yes, it is my business!

[SubaruSteve]

RobbieL said:

If you have 3rd party liability and "permission to drive another car" on your insurance, the "another car" has to be insured. No?

And more importantly you can't be the owner of the car.

[v8will]

tyranical said:

Assuming your correct, its people like that making insurance go up for everyone and you get some idiots on here who would rather turn a blind eye to people like that than do something about it?

A small penalty if it prevents a neighbourly row and someone getting stabbed. Alot of mental about these days.

It's the culture of litigation, claims etc that is pushing the price up. Oh and the financial sector being greedy

[gamefreaks]

Not all policies insist that the DOC car is already insured.

I have scoured the workding of my policy and nowhere does it say anything about the other car being insured, only that the policy holder has to be over 25 to be able to DOC.

[Globs]

The ANPR will find him anyway, so I wouldn't worry.

[Vron]

RobbieL said:

If you have 3rd party liability and "permission to drive another car" on your insurance, the "another car" has to be insured. No?

you can drive under your third party cover if the car is already insured by someone else and you are driving with their permission.

[tercelgold]

Come June 2011 I think it has to be either insured or SORN so I'd probably leave it until he gets a letter.

[Beeby]

Vron said:

RobbieL said:

If you have 3rd party liability and "permission to drive another car" on your insurance, the "another car" has to be insured. No?

you can drive under your third party cover if the car is already insured by someone else and you are driving with their permission.

This is what I was thinking - the car isn't insured by anyone else

[R1 Loon]

Your neighbour and his wife MAY be able to drive the other car on the DOC aspect, depending upon the T&Cs of their insurance policy.

How old is the son, if he's under 17 then they're just fiddling the system, as DOC is only valid if they don't own the car.

[Vron]

The problem is now if he gets busted by the cops he will think the OP has dobbed him in - thus neighbour dispute etc etc.

[RobbieL]

Vron said:

you can drive under your third party cover if the car is already insured by someone else and you are driving with their permission.

Yup - that's what I meant. The OP is alluding to the car NOT being insured though?

I can drive my dad's car, as it is insured by him and I have the appropriate allowance on my insurance. However, if his car was not insured, then shirley I'd be uninsured?

Don't have my insurance docs to hand at the minute but fairly sure this is standard. I have the 3rd party thingy added to my insurance as it's a valuable tool for a lot of short trips I run for friends and family in their cars, so I did my research on this (albeit some time ago).

Unless things have changed that's definately how I understood it...............

[Galsia]

At one point a couple of years ago, I was the registered owner of two cars but only insured on one (the second one was sat on the drive not being used due to my housemate buying another car and giving his old one to me).

I called my insurer and asked if I was covered to drive the second vehicle because I had fully-comp insurance. They said that as long as I was driving the car it was insured. As soon as I got out of the car and parked it in a public place it would be uninsured and illegal.

I didn't take their word for it and just got another policy for it...