Neighbour is driving an uninsured car - advice needed
Discussion
RobbieL said:
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...............
No, its not standard.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...............
I have DOC on all my policies and NONE of them insist on the other vehicle being insured. Of course I have a problem if it's not and I leave it on a public highway unattended (ie parked up).
But don't take my word for it, I only run the Claims Division for a FTSE100 insurer.
f
king urban myths spouted on the internet.
R1 Loon said:
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.
Son is 21. Seems like this isn't as clear cut as I thought then. Maybe his insurance company does allow this. If it does then it surprises me. Chees guys for all of your responses though.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.
R1 Loon said:
No, its not standard.
I have DOC on all my policies and NONE of them insist on the other vehicle being insured. Of course I have a problem if it's not and I leave it on a public highway unattended (ie parked up).
But don't take my word for it, I only run the Claims Division for a FTSE100 insurer.
fking urban myths spouted on the internet.
Furry muff - was just saying that was my experience when searching for insurance. It might not be standard, but a lot of insurers seem to have it in their T&C's.I have DOC on all my policies and NONE of them insist on the other vehicle being insured. Of course I have a problem if it's not and I leave it on a public highway unattended (ie parked up).
But don't take my word for it, I only run the Claims Division for a FTSE100 insurer.
f
king urban myths spouted on the internet.hora said:
No otherwise I'd have a grp20 car uninsured and me vaguely insured for any car. The car has to have some sort of policy recorded in its own right (I.e some named it on their policy)
I'm sorry but that's not correct. All depends on the wording of your policy. I am insured to drive any car I choose PROVIDED I don't own or rent that car. There is no requirement for the car to be insured by anyone else.Your suggestion of owning a Mini and a Ferrari; insuring the Mini and driving the Ferrari; is well known to insurers and not permitted under any circumstances.
im not 100% so some one correct me if im wrong, but if your policy allows you to doc and said car doesnt need a policy holder on it whats stopping me from insuring myself on a crappy 1.0ltr fiesta and then driving around in an unisured ferrari? i always thought the car has to have a policy holder on it. at least that was the case when i sold my last car. 
Beeby said:
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!
If he's not insured do you really think he'll give a st if that happens?I would suggest if a badly applied handbrake and gravity is going to cause an issue then shop him. I'll bet it'll cause you headaches as you have to live beside the guy and he'll know who reported him, especially if you've already confronted him.
Just remember although he's breaking the law if you report him and he makes life difficult for you then you will have surprisingly little backing from the Police.
Personally if a neighbour approached me about any matter, maybe without all the facts and started a 'heated' debate it'd be a very short conversation. Two words in fact.
A tip for you. If you want to be a grass (and I use the term in a loose, non derogatory way) then you need to be very discreet. Ie, report it and behave as nothing has happened.
Something I didn't know on my insurance was that my missus wasn't allowed to drive my car to work,
We sold her car so she needed to use mine,Inever thought to look on the certificate, so I was guilty
of the wifey traveling to her place of work and not being insured correctly, The policy just said
"For pleasure only (for her ,not for me policy holder).
I has been amended now but ,I just didn't have a clue.
So it seems a lesson learnt ,and how easy it is to be driving unaware that you're not insured.
Huh!
Well she wasn't.
We sold her car so she needed to use mine,Inever thought to look on the certificate, so I was guilty
of the wifey traveling to her place of work and not being insured correctly, The policy just said
"For pleasure only (for her ,not for me policy holder).
I has been amended now but ,I just didn't have a clue.
So it seems a lesson learnt ,and how easy it is to be driving unaware that you're not insured.
Huh!
Well she wasn't.
v8will said:
If he's not insured do you really think he'll give a st if that happens?
I would suggest if a badly applied handbrake and gravity is going to cause an issue then shop him. I'll bet it'll cause you headaches as you have to live beside the guy and he'll know who reported him, especially if you've already confronted him.
Just remember although he's breaking the law if you report him and he makes life difficult for you then you will have surprisingly little backing from the Police.
Personally if a neighbour approached me about any matter, maybe without all the facts and started a 'heated' debate it'd be a very short conversation. Two words in fact.
A tip for you. If you want to be a grass (and I use the term in a loose, non derogatory way) then you need to be very discreet. Ie, report it and behave as nothing has happened.
Calm yourself down fella I get on well with him and are not going to report him. Christ we weren't about to start a rumble or anything. I just wanted the people on here to give me a difinitive answer on the subject. As it doesn't seem clear cut lets leave it at that yes? Blimey. t if that happens?I would suggest if a badly applied handbrake and gravity is going to cause an issue then shop him. I'll bet it'll cause you headaches as you have to live beside the guy and he'll know who reported him, especially if you've already confronted him.
Just remember although he's breaking the law if you report him and he makes life difficult for you then you will have surprisingly little backing from the Police.
Personally if a neighbour approached me about any matter, maybe without all the facts and started a 'heated' debate it'd be a very short conversation. Two words in fact.
A tip for you. If you want to be a grass (and I use the term in a loose, non derogatory way) then you need to be very discreet. Ie, report it and behave as nothing has happened.
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. hora said:
No otherwise I'd have a grp20 car uninsured and me vaguely insured for any car. The car has to have some sort of policy recorded in its own right (I.e some named it on their policy)
No it doesn’t. If you owned the Group 20 (it’s now Group 50 btw) then your DOC extension would be invalid as this is specifically excluded. There is another issue here though that you will be committing an offence by default as you cannot tax a car using DOC and any uninsured vehicle must be SORNed.Oh look the new system can work!
buster1984 said:
im not 100% so some one correct me if im wrong, but if your policy allows you to doc and said car doesnt need a policy holder on it whats stopping me from insuring myself on a crappy 1.0ltr fiesta and then driving around in an unisured ferrari? i always thought the car has to have a policy holder on it. at least that was the case when i sold my last car.
See above.RobbieL said:
Furry muff - was just saying that was my experience when searching for insurance. It might not be standard, but a lot of insurers seem to have it in their T&C's.
You’d be amazed how few have this stipulation, most don’t.Spitfire2 said:
A car on a driveway can quite legitimately be uninsured. Try again 
What is your point? I know this. And actually you are wrong because the vehicle is taxed so it must be insured. See http://www.direct.gov.uk/en/Motoring/OwningAVehicl...Need to check his policy wording. I know that some folk here say that theirs covers this very scenario. But mine does not 
Check that small print
Check that small print
Kinkys Insurance Policy with esure said:
Driving other cars extension
Cover is limited to third party only and only applies as long as the car is not owned by you or your partner or hired or leased to you or your partner under a hire purchase or leasing agreement or hired or rented to you or your partner under a car hire or rental agreement. This cover only applies if:
Cover is limited to third party only and only applies as long as the car is not owned by you or your partner or hired or leased to you or your partner under a hire purchase or leasing agreement or hired or rented to you or your partner under a car hire or rental agreement. This cover only applies if:
- there is no other insurance in force which covers the same claim
- you have the owner's permission to drive the car
- the car is insured by the owner and is being driven in the UK
- you still have your car and it has not been sold, written off or damaged beyond cost-effective repair.
Beeby said:
She is mate yes. She is the policyholder on a campervan.
Mmm see that can be another grey area, for example in many cases DOC won't cover commercial vans and vice versa, her camper van insurance may not have DOC.R1loon you have motorhome/camper thing IIRC , does your policy for that cover DOC if you don't mind me asking?.
ZOLLAR said:
Mmm see that can be another grey area, for example in many cases DOC won't cover commercial vans and vice versa, her camper van insurance may not have DOC.
R1loon you have motorhome/camper thing IIRC , does your policy for that cover DOC if you don't mind me asking?.
No it doesn't, but it's a highly specialised policy for my wife's horsebox that allows any driver over the age of 25 with a clean licence and no more than 2 accidents in the past 3 years.R1loon you have motorhome/camper thing IIRC , does your policy for that cover DOC if you don't mind me asking?.
I'd be surprised if a campervan policy does have DOC as these tend to be similarly speciaist policies, but we'll never know without checking her policy & schedule.
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