Driving an uninsured car
Discussion
My father in law has had his driving licence revoked after a long spell of illness.
His car has been left in his garage, and hasn't moved in over a year. It isn't taxed, MOT'd or insured.
Trying to get it sorted out for him so we can sell it. Getting it taxed is easy enough, but I need to be able to drive it to the garage to get it MOT'd. Will my insurance (which covers "driving other vehicles not owned by the policy holder") cover me driving his car? Or does my extended cover only work with cars that already have a seperate policy on them?
I don't really want to go the the expense of getting a new policy in my name (I'm assuming he won't be able to get a policy as he no longer has a driving licence) as it is likely to be more than the car is worth in the long run
His car has been left in his garage, and hasn't moved in over a year. It isn't taxed, MOT'd or insured.
Trying to get it sorted out for him so we can sell it. Getting it taxed is easy enough, but I need to be able to drive it to the garage to get it MOT'd. Will my insurance (which covers "driving other vehicles not owned by the policy holder") cover me driving his car? Or does my extended cover only work with cars that already have a seperate policy on them?
I don't really want to go the the expense of getting a new policy in my name (I'm assuming he won't be able to get a policy as he no longer has a driving licence) as it is likely to be more than the car is worth in the long run
I think that you will find that your policy document or certificate states that you can drive a vehicle not owned by you or hired to you under a hire purchase agreement provided that it is insured by the owner.
In short, as it stands you would not be insured.
Also it should have been Sorn'd
You can't get it taxed until it's got an MOT. You can drive to a pre arranged MOT station without tax
In short, as it stands you would not be insured.
Also it should have been Sorn'd
You can't get it taxed until it's got an MOT. You can drive to a pre arranged MOT station without tax
Edited by Metric Max on Monday 12th January 09:42
I suggest speaking with you insurer for the definite answer but, as I think you already suspect, the car probably needs to be covered by a seperate policy for your cover to work.
As short term (week?) policy for the car to cover you getting to and from the MOT station shouldn't be too expensive.
As short term (week?) policy for the car to cover you getting to and from the MOT station shouldn't be too expensive.
In short, you probably won't be covered. It's always worth reading the fine print but in my case it was the same - my insurance had lapsed due to not wanting to renew after an MOT failure. While I completed the work the car was SORN'd but was not able to drive the car to the retest under the "driving other cars" policy on my daily driver.
Try using Cuvva or Veygo, I have experience with the former and have had no issues with them for the odd 24 hour policy.
Try using Cuvva or Veygo, I have experience with the former and have had no issues with them for the odd 24 hour policy.
CacheMonet said:
In short, you probably won't be covered. It's always worth reading the fine print but in my case it was the same - my insurance had lapsed due to not wanting to renew after an MOT failure. While I completed the work the car was SORN'd but was not able to drive the car to the retest under the "driving other cars" policy on my daily driver.
Try using Cuvva or Veygo, I have experience with the former and have had no issues with them for the odd 24 hour policy.
Because it is also your car. 3rd party DOC permits you to drive somebody else's, otherwise we could insure one car and drive all the others we own on 3rd party basis. Try using Cuvva or Veygo, I have experience with the former and have had no issues with them for the odd 24 hour policy.
Some companies insist the other car must have its own policy in place, others don't, only the T & C will tell you. You don't need to buy road tax to drive it to an MoT test and back again, it can be done whilst SORN.It is true that you can buy VED without insurance, they don't check any more but the vehicle will be checked for valid MoT. If a policy is not in place within a few weeks, a letter will likely be received from DVLA regarding continuous insurance enforcement, unless the car is added as insured to a traders policy.
When I've bought temporary insurance for cars bought at auction, the car has had to have a valid MoT.
RizzoTheRat said:
Simpo Two said:
Could the garage collect it on a trailer?
Or dealer plates which I believe a garage will have a separate insurance policy to cover. Worth at least giving your MoT place a ring and see what they say as short term insurance can be surprisingly expensive.Insurance is separate and doesn't require plates. For trade insurance (generally) the vehicle won't need to be insured, but then it's not on the MID, so you'd have to add it to not get pulled or pinged.
(not trying to be condescending!)
boyse7en said:
Thanks all.
I suspected that there would need to be a policy in place on the car for my third-party cover for driving other vehicles to be applicable.
I'll look at getting temp insurance to see if that works.
Check your policy details. I've had ones that didn't mention other insurance having to be in place on the vehicle, just that it wasn't a hire vehicle and can't be used to release an impounded vehicle. I suspected that there would need to be a policy in place on the car for my third-party cover for driving other vehicles to be applicable.
I'll look at getting temp insurance to see if that works.
RizzoTheRat said:
Simpo Two said:
Could the garage collect it on a trailer?
Or dealer plates which I believe a garage will have a separate insurance policy to cover. Worth at least giving your MoT place a ring and see what they say as short term insurance can be surprisingly expensive.Illmonkey said:
"Dealer plates" (Trade licence plates) only cover VED these days. Vehicles still need to be roadworthy and have an MOT or be on route to a booked one.
Insurance is separate and doesn't require plates. For insurance (generally) the vehicle won't need to be insured, but then it's not on the MID, so you'd have to add it to not get pulled or pinged.
(not trying to be condescending!)
So an employee of a garage with the right insurance policy would be insured to drive an otherwise uninsured car? In which case that sound like the simplest way for the OP to get the car to a garage.Insurance is separate and doesn't require plates. For insurance (generally) the vehicle won't need to be insured, but then it's not on the MID, so you'd have to add it to not get pulled or pinged.
(not trying to be condescending!)
RizzoTheRat said:
Illmonkey said:
"Dealer plates" (Trade licence plates) only cover VED these days. Vehicles still need to be roadworthy and have an MOT or be on route to a booked one.
Insurance is separate and doesn't require plates. For insurance (generally) the vehicle won't need to be insured, but then it's not on the MID, so you'd have to add it to not get pulled or pinged.
(not trying to be condescending!)
So an employee of a garage with the right insurance policy would be insured to drive an otherwise uninsured car? In which case that sound like the simplest way for the OP to get the car to a garage.Insurance is separate and doesn't require plates. For insurance (generally) the vehicle won't need to be insured, but then it's not on the MID, so you'd have to add it to not get pulled or pinged.
(not trying to be condescending!)
Also confirms it's on it's way to an MOT as it's the garage collecting it!
Only problem now is getting the employee to the car...
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