Insurance Question
Discussion
I should know the answer to this but I don't. I've just bought another car but I want to keep using my current car whilst I get a few things sorted on my latest 'investment' and try and sell my current car. The trouble is I don't think my insurance company (Bell) will insure both cars for me and I can't drive other cars on my policy.
My Dad, who has the luxury of cheap insurance with the benefit of being covered on other cars, has offered to drive it around in order to get the bits sorted and until such time that I am ready to start using it.
However....
Is it true that for someone to drive another person car the car itself has to have an insurance policy on it? I.e. my dad can't drive my second car because his policy won't cover it unless that car has an insurance policy taken out on it......if you see what I mean?
Ta
My Dad, who has the luxury of cheap insurance with the benefit of being covered on other cars, has offered to drive it around in order to get the bits sorted and until such time that I am ready to start using it.
However....
Is it true that for someone to drive another person car the car itself has to have an insurance policy on it? I.e. my dad can't drive my second car because his policy won't cover it unless that car has an insurance policy taken out on it......if you see what I mean?
Ta
Make your new car your main car on your bell insurance and then add your old car as a "temporary vehicle" cost varies depending on the car and how long you need it on the policy .
You can have a temporary vehicle on a bell policy for up to 120 days per policy term but in 30 day blocks at a time.
HTH
You can have a temporary vehicle on a bell policy for up to 120 days per policy term but in 30 day blocks at a time.
HTH
IROC-Z said:
Is it true that for someone to drive another person car the car itself has to have an insurance policy on it? I.e. my dad can't drive my second car because his policy won't cover it unless that car has an insurance policy taken out on it......if you see what I mean?
Check the terms of his insurers, but it shouldn't normally make any difference whether the car has its "own" insurance. My insurance just says that I can drive any car not owned by or registered to me, with the owners permission, third party only. Nothing about the car having to be insured elsewhere. Make sure he carries his insurance docs if he does, because if the car is not insured elsewhere it may flag up as such if you pass an ANPR camera.IROC-Z said:
Is it true that for someone to drive another person car the car itself has to have an insurance policy on it?
Not necessarily - get your dad to carefully read his policy wording. Some policies required the car being driven on the third party extension to be insured in its own right, some don't, and some don't offer the extension at all.Worth bearing in mind also that your dad's third party extension should not be relied upon to provide cover if the vehicle is parked and left unattended on a road or other public place.
SS2. said:
IROC-Z said:
Is it true that for someone to drive another person car the car itself has to have an insurance policy on it?
Not necessarily - get your dad to carefully read his policy wording. Some policies required the car being driven on the third party extension to be insured in its own right, some don't, and some don't offer the extension at all.Worth bearing in mind also that your dad's third party extension should not be relied upon to provide cover if the vehicle is parked and left unattended on a road or other public place.
Thanks for the replies chaps.
It sounds like it could be a be of a grey area, I think the best bet is to take Zollar's advice and add my current car to be bell policy and insure my existing car as a temporary car for 30 days. If they won't do that I'll get my Dad to check his policy wording.
Cheers
It sounds like it could be a be of a grey area, I think the best bet is to take Zollar's advice and add my current car to be bell policy and insure my existing car as a temporary car for 30 days. If they won't do that I'll get my Dad to check his policy wording.
Cheers
ZOLLAR said:
Make your new car your main car on your bell insurance and then add your old car as a "temporary vehicle" cost varies depending on the car and how long you need it on the policy .
You can have a temporary vehicle on a bell policy for up to 120 days per policy term but in 30 day blocks at a time.
HTH
Followed your advice, 5 mins on the phone and job done. Ta! You can have a temporary vehicle on a bell policy for up to 120 days per policy term but in 30 day blocks at a time.
HTH
IROC-Z said:
ZOLLAR said:
Make your new car your main car on your bell insurance and then add your old car as a "temporary vehicle" cost varies depending on the car and how long you need it on the policy .
You can have a temporary vehicle on a bell policy for up to 120 days per policy term but in 30 day blocks at a time.
HTH
Followed your advice, 5 mins on the phone and job done. Ta! You can have a temporary vehicle on a bell policy for up to 120 days per policy term but in 30 day blocks at a time.
HTH
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