Insurance question.
Discussion
I know a guy (don't we all) who has comprehensive limited mileage cover on a sports car. He spends more time driving a car registered and owned by his wife. The sports car insurance clearly states the driver can drive another vehicle neither owned by him or registered in his name albeit third party cover. My question is this: Is he legally insured to drive his wife's car even if she doesn't have insurance for it and doesn't use it.
I know a guy (don't we all) . The sports car insurance clearly states the driver can drive another vehicle
So therefore he can drive another vehicle because the policy says he can
neither owned by him or registered in his name albeit third party cover.
So the vehicle does not have to be owned or registered to him either. So he is still insured, albeit third party only, to drive any vehicle (owned by him or not) and also to drive one that is not his or registered to him.
If this is what his policy says, then he is not breaking any law.
as stated in the post above though it will only cover him to drive that vehicle at third party risks and not cover the car when it is parked on a road or in a garage should it spontaneously combust.
In the case of his wifes car, her own insurance, if comprehensive would take over, regardless who drove it to the place where disaster occurred.
This sounds like most policies of insurance that cover a policy holder to drive another vehicle providing they have the required licence to drive that class of vehicle and also have the permission of the vehicle owner to do so.
My question is this: Is he legally insured to drive his wife's car even if she doesn't have insurance for it and doesn't use it.
The answer is that he is, but if she does not have insurance herself, then the car is not protected at all when it is on the road or parked privately off the road. if anything happens to it unless blame can be attributed to someone else who can be claimed off, then the damge will have to be paid for privately.
If it is parked on the raod, then as soon as the car is parked up by the husband. there is no insurance policy covering it.
It is an offence to keep (keep means park or leave) a motor vehicle on a road without a policy of insurance covering it.
If your friend knows there is no policy of insurance to cover the car when it is parked on the road, then he can be prosecuted for keeping a vehicle on a road without insurance and his wife for Permitting it to be kept on a road without insurance if it is her car.
They could both be in the brown stuff
>> Edited by madcop on Friday 17th January 14:31
I am still not sure on this point. I looked at buying a winter car this year but because I use all my no claims bonus on the TVR, the winter car (albeit only a sh*t heap sierra/escort etc) would have cost me a fortune to insure.
So I thought i would just drive it third paryt only under the comp policy for the Tiv. So, it cant be owned by me. So say I get my mate/father/boss to buy it in their name and just drive it around insured TP under my own policy?? Thats what I was proposing to do until i was told that it would have to have some form of insurance from the "owner" as well as my cover TP. It was then getting to expensive and costly to follow up so I buried the idea and just got on with driving the TVR on ice
So I thought i would just drive it third paryt only under the comp policy for the Tiv. So, it cant be owned by me. So say I get my mate/father/boss to buy it in their name and just drive it around insured TP under my own policy?? Thats what I was proposing to do until i was told that it would have to have some form of insurance from the "owner" as well as my cover TP. It was then getting to expensive and costly to follow up so I buried the idea and just got on with driving the TVR on ice
shnozz said: I am still not sure on this point. I looked at buying a winter car this year but because I use all my no claims bonus on the TVR, the winter car (albeit only a sh*t heap sierra/escort etc) would have cost me a fortune to insure.
So I thought i would just drive it third paryt only under the comp policy for the Tiv. So, it cant be owned by me. So say I get my mate/father/boss to buy it in their name and just drive it around insured TP under my own policy?? Thats what I was proposing to do until i was told that it would have to have some form of insurance from the "owner" as well as my cover TP. It was then getting to expensive and costly to follow up so I buried the idea and just got on with driving the TVR on ice
Your problems would not have been driving it.
They would have occurred when you parked it and left it on the road (No insurance).
You would not have been able to tax it either and your TVR company may well have got the ar5e with you for not telling them about another vehicle you owned (if you chose not to tell them you had it)
madcop said:
danhay said: He won't get into trouble but his wife will. His insurance certainly won't enable him to re-tax his wife's car.
They could both get into trouble depending on the circumstances!
As long as they're consenting adults and take appropriate precautions they should be OK?
This is quite a complex issue which many of us must encounter from time to time. My friend has the choice of taking out yet another insurance policy at great expence and yet he's covered to drive any other vehicle albeit third party only. This would mean 3 policy's in the household. So if he parks the car on a public road miles away from his driveway then presumably he commits an offence, Madcop? Is it possible to get cover for a stationary vehicle when it's parked in the public domain thus making everything nice and legal. Would this be a relativly cheap option, brokers anybody? Nobody wants to commit an offence but people hate buying loads of extra policy's when you can only drive one vehicle at a time.
It's nice to know he's covered if he's driving it though.
Thanks all.
It's nice to know he's covered if he's driving it though.
Thanks all.
Shnozz, it depends on which insurance company you're with, but some will mirror your no claims on a policy for a second car if you only have one NCB. Might be worth asking your company if they do this, especially since your first car is a TVR. You mustn't have an accident in the first year of the mirrored NCB policy (i.e. your runabout) because this will affect your overall NCB, but IIRC after that it's converted into a standard NCB so you'll have two.
Any use??
Any use??
SGirl said: Shnozz, it depends on which insurance company you're with, but some will mirror your no claims on a policy for a second car if you only have one NCB. Might be worth asking your company if they do this, especially since your first car is a TVR. You mustn't have an accident in the first year of the mirrored NCB policy (i.e. your runabout) because this will affect your overall NCB, but IIRC after that it's converted into a standard NCB so you'll have two.
Any use??
Unfortunately current insurers said that the NCB would only stand for one car. It was at thaht point I got rather irate and asked them how I could possible drive both vehicles at once and surely the NCB related to the driver, not the car.
Also, they don't cover trackdays so leaves me out in the cold a bit. Unfortunately, all the TVR approved brokers such as Sunningdales/Mannings etc wont insure me as I'm a few months short of my 25 birthday.
Madcop - note what you say. Whilst I would only buy a cheapo car that would be TP only anyway (and therefore it weould make no difference if some scrote nicked it whilst parked up) I wouldnt want to knowingly break any laws (including my speed of course
) so it looks like the TVR will remain my only car. Gassing Station | General Gassing [Archive] | Top of Page | What's New | My Stuff