Insurance: driving other cars

[SambaS]

Have a letter stating car need not be insured elsewhere. Police always very hard to convince even with my letter. Now i have a policy from same company with doc extension, but has the law since changed? Mate buying car im driving it back for him. My insurance company closed. Soz for poor English am on mob.

[TankRS]

As far as I am aware you should be covered 3rd party to drive your mates car, as long as your fully comp on your policy. I know mine states it. others may know different

[SambaS]

Im 3rd party on any car i have permission to drive. But in the past everyone even the police speculated that the car must be insured by someone. I disproved that with a letter clearly stating i could drive something that had no insurance on it. Resulted in a few pulls as ANPR flagged them up. My question is. With the recent continuous insurance or sorn law, is it stil ok. Would be stupid of me to find out no the hard way.

[TankRS]

I’d say if its an official letter from your insurer or similar, and not something that’s been printed off the internet, then even if you do get pulled they will have to look into it.

Tbh I’ve never heard of the car not needing to be insured to be driven. As long as its not going on a cross country trek and if you’re taking it back to your mates so he can sort insurance out when they open then it shouldn’t be much of a problem?

[samdale]

There's always the argument of "You could own a Lambo, insure a fiesta fully comp and thus insure your Lambo third party at a knock -down price"

Sorry I can't be of any help but having seen the above type scenario quoted (and it seems logical) I'd be suprised if you could drive an, as you say, "uninsured" car in this way.

Genuinely interested to see if anyone has a concrete answer for this.

[tercelgold]

I thought it depended on the situation you were driving it in, that the cover didn't include anything but emergencies, otherwise everyone would get fully comp on a scrapheap and have cover for an M3 third party.

Same as drunk driving can be allowed to move injured people in remote tribal areas in Australia.

Edited by tercelgold on Saturday 18th February 17:38

[SambaS]

I used it to pick up a V8 bm estate in the past. Drive my mums car when mine was broke. Its occasional use. I could drive a Diablo if sum1 was stupid enough to let me 3rd party. Just wondered if the sorn law changed things. If u dont have insurance you must sorn. But i guess that means nowt cos perfectly legal to drive a sorned car to mot

[SambaS]

samdale said:

There's always the argument of "You could own a Lambo, insure a fiesta fully comp and thus insure your Lambo third party at a knock -down price"

Sorry I can't be of any help but having seen the above type scenario quoted (and it seems logical) I'd be suprised if you could drive an, as you say, "uninsured" car in this way.

Genuinely interested to see if anyone has a concrete answer for this.

Youd have to put the Lambo in your mates name or your business or the cat.

[TankRS]

SambaS said:

If u dont have insurance you must sorn

i thought it was that you have to have insurance on any car now, even a SORN car?

[Magic919]

The law hasn't changed. Follow your policy wording and you'll be fine.

[bababa]

The insurance normally only extends to "third party cover on a car not belonging to the policyholder", so you couldn't buy two cars and drive one of them third party off the back of the cover for the other.

But as is always the way with insurance, the key is reading the T&Cs in the policy booklet which everybody throws in the bottom drawer or the bin There is no hard and fast rule in respect of who gets 3rd party cover on other vehicles and what conditions it is based on - every insurer can be different, and the only way to be sure is by reading that policy booklet.

[r1ch]

TankRS said:

i thought it was that you have to have insurance on any car now, even a SORN car?

You don't have to insure a sorned car. Only if your car has tax, and you put it away in the garage.

I think my policy states that i'm allowed to drive another car third party, providing someone else has an insurance policy on that car.

[TankRS]

r1ch said:

TankRS said:

i thought it was that you have to have insurance on any car now, even a SORN car?

You don't have to insure a sorned car. Only if your car has tax, and you put it away in the garage.

Thanks for clearing that up, I’ve been misinformed up until now!

[carmadgaz]

I seem to remember (from what I've read on here) that if you are driving it on a DOC extension and park up / leave the vehicle in a public area then it is then classed as uninsured (I'm guessing that is the reason most insist the car has cover in place aside from your DOC cover)

[Magic919]

Most don't insist according to a recent poll on here.

[SambaS]

only exclusion is I cant drive vans or bikes etc. ive suprised and educated the Police in the past as well. Bloody good insurance policy it is. Classic too so cheaper than deep fried potatos

[hairyben]

carmadgaz said:

I seem to remember (from what I've read on here) that if you are driving it on a DOC extension and park up / leave the vehicle in a public area then it is then classed as uninsured (I'm guessing that is the reason most insist the car has cover in place aside from your DOC cover)

When I've had DOC on policies this has been the case, thought DOC was being phased out though?

[SambaS]

carmadgaz said:

I seem to remember (from what I've read on here) that if you are driving it on a DOC extension and park up / leave the vehicle in a public area then it is then classed as uninsured (I'm guessing that is the reason most insist the car has cover in place aside from your DOC cover)

If I parked up an uninsured car got out and went to the shop, if removed by Police they are quite within their rights to do so. If pulled over andasked into the patrol car the car would then be uninsured - its that fact thats worried me in the past. In one instance that happened, the Doncaster police checked my insurance on their handheld then let me on my way. In another instance i was left in the car i was driving then they checked and actually called it commendable the amount of info. i had with me on the subject.

[SambaS]

It is only for occasional use, but its handy to have when mine breaks or a mate needs a favour

[tercelgold]

Are you liable for a claim, if you crash using DOC insurance if it's found to be your fault ?, not the insurance company but yourself personally?

I read about steam tractor drivers having this.