Buying at auction - insurance to drive home?
Discussion
TonyHetherington said:
Electron said:
On my policy my own car is fully comp but I can drive cars owned by someone else 3rd Party. You could take a friend with similar and get them to drive it home ?
That exists only on cars that are, in their own right, fully insured, taxed etc.
Also, my wife is insured to drive any car she does not own, bit tenous that I would be the owner not her and also that its not insured in its own right.
Yes, off to Richard Edomnds.
It shouldn't be a problem. Just give the details to your insurer in advance and cover the car just for the weekend. If you buy it, phone him to add permanently, if not you've lost a couple of quid for the weekend. I've phoned mine to add an additional driver when I wanted a friend who was staying to use one of mine so we could go out in convoy and they've done it on the spot with no hassle.
lowdrag said:
Lost my bet so I owe myself a drik. I went through the catalogue and after a debate decided it wasn't that you were after. However, hope you have a great time with it and of course, with bated breath, we all await pix. Is it the usual blue?
Its green.The Huntsman requires a big work up this winter, lots of sheets of plywood, lengths of mahogany, power tools, trestles, ladders etc, the Traveller is to be the boat works van.
Looks like my policy is ok ......
1 b 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
hire-purchase 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.
Not sure what you mean by "in 1a above" but be careful. Driving a car under the "driving any other car" clause normally reduces cover to third party risks at best (may even be Road Traffic Act cover only so not even cover for damage to other cars and property, just injury) and not comprehensive. After all, it would be only too easy to insure a Moggie 1000 and drive an Aston otherwise.
Lowdrag,
Sorry speed and haste 1b is the specific section in my policy covering the topic... I was a little curious about one of the earlier replies so went and pulled out the fine print.
Academic for me as I have a car trailer :-)
http://www.privilege.com/motor/PRIVC01_0711_WEB_PD...
The cover is only third party to drive other vehicles (no fire or theft) but the only caveat is ..
" ... there is no other insurance in force which covers the same liability "
As I say academic for me and I guess other policies may have different fine print but it does appear to answer the post ...
Chris
Sorry speed and haste 1b is the specific section in my policy covering the topic... I was a little curious about one of the earlier replies so went and pulled out the fine print.
Academic for me as I have a car trailer :-)
http://www.privilege.com/motor/PRIVC01_0711_WEB_PD...
The cover is only third party to drive other vehicles (no fire or theft) but the only caveat is ..
" ... there is no other insurance in force which covers the same liability "
As I say academic for me and I guess other policies may have different fine print but it does appear to answer the post ...
Chris
There is NO REQUIREMENT for a car to be insured in its own right in order to drive it third party on your own policy. I'd accept some policies may specifically stipulate this although I've never seen one. If it isn't mentioned on the certificate or schedule then it doesn't apply.
The bigger issue is checking that your own policy actually gives TP cover on other cars, many don't especially for younger drivers.
Having been a police officer 15 years, I've seen a lot of No Insurance cases!
The bigger issue is checking that your own policy actually gives TP cover on other cars, many don't especially for younger drivers.
Having been a police officer 15 years, I've seen a lot of No Insurance cases!
xxplod said:
There is NO REQUIREMENT for a car to be insured in its own right in order to drive it third party on your own policy. I'd accept some policies may specifically stipulate this although I've never seen one. If it isn't mentioned on the certificate or schedule then it doesn't apply.
The bigger issue is checking that your own policy actually gives TP cover on other cars, many don't especially for younger drivers.
Having been a police officer 15 years, I've seen a lot of No Insurance cases!
Thank god someone else said it. A quick look in SP&L will show you endless arguments about this, but if your policy doesn't say the car needs other insurance then the car doesn't need other insurance.The bigger issue is checking that your own policy actually gives TP cover on other cars, many don't especially for younger drivers.
Having been a police officer 15 years, I've seen a lot of No Insurance cases!
However, if you're buying it as a car to drive, you may as well get it insured. Both of the classic insurers I've used (Lancaster and Performance Direct) have been open on a Saturday (Performance Direct opened on a Sunday which is why they got my business one time) and they insure immediately. Job done.
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