Car Insurance QUESTION >>>>>
I was wondering if theres any experts on car insurance on here?
I know a few years ago you could be fully comp and drive anycar. Now theyve all clamped down on that because people were buying a £50 1.0litre cars and then driving 3.0 bmw;s...ect.
A few companys still let you drive anycar but only on the condition that there in someone els's name and are insured by that person. Which then entitles you to third party cover on there car.
My question is, what if the 'other person' car is not insured by them because they cant drive? How would i go about driving there car without insuring it on a seperate insurance policy? My friend wanted to do this so bought traders insurance so he can drive whatever car he wants. Im not a trader so without going down that route (as insurance as a trader is cheaper than not being a trader for me) are there any other ways to come around this???
All Comments (35)
Jump to unread Post a CommentI was thinking the same thing try:
[url]www.tempcover.com[/url]
Oh... then temp cover won't really help you there!
I once had that with direct line (third part only on other cars) but that was a year or two ago and I am no longer with them. Perhaps they still do??
like you i drive 2 cars, then sometimes my dads, sisters, brothers
i can point you to the website, fill in the details, they ring you back.
The rules state the car cant be owned by you or rented to you.
Third party only is the lowest ins legaly needed to drive on the road.
Interesting thanks
No, what the OP is meaning is driving another car that doesnt have insurance, I would guess your boyfriends Audi has your boyfriend insured on it.
It might be worth knowing most insurance companies dont let you drive another car (that you arent personally insured to) until you are 25 (dont know your age :thumbsup:)
It might be worth knowing most insurance companies dont let you drive another car (that you arent personally insured to) until you are 25 (dont know your age :thumbsup:)
yea dont get confused basically
if your fully comp nd your bf has his audi insured then you will be OK to drive it (third party)
Well i'd like to see an official link that says that :)
The only official link that matters is your own insurance policy.
I always ensure that mine covers me for driving another car in an emergency, many do not! and that I am covered fully comp, this is not always the case as the wording usually says something like minimum cover required by law
who made you prime minister?
if the insurance company doesn't ask its there problem....at the end of the day we pay for the insurance
how is it fraudlant?.......you give all your details and address and say you buy and sell cars and you can aslo declare fleet insurance which covers you and 2 others to drive over 25yrs of age, which technically means that you will be buying cars....keep the reciept, no fraud commited
The rules state the car cant be owned by you or rented to you.
Third party only is the lowest ins legaly needed to drive on the road.
My policy only states:
the car cant be owned by you or rented to you or your spouse, does that mean i can driv another vehicle that is not insured as long as it is not owned or rented by me or my spouse?
Me too;-)
That is the very thing, a few years ago, before I got a traders policy, on my fully comp. insurance it used to say ANY vehicle not owned by the policyholder or hired to them under a hire purchase agreement. I used to drive cars I knew weren't insured elsewhere, as I couldn't find anything to say it wasn't completely legal to do so, I just made sure none were registered to me:whistling:
The only thing that is different now as far as I am concerned is the fact the car would not show on the mid database as insured which means police would be looking to stop you and may seize the car if you couldn't prove you were insured.
It is also a legal requirement for a car to be insured if parked on a public road, and the car isn't actually insured unless you're driving it.
I always ensure that mine covers me for driving another car in an emergency, many do not! and that I am covered fully comp, this is not always the case as the wording usually says something like minimum cover required by law
Exactly:thumbsup: My insurance makes no stipulation that the car has to be insured elsewhere....
(had to be posted as a jpg because the policy doc is a protected pdf with copy/paste disabled)
We will only provide the cover set out in this policy if you keep to all
the terms and conditions of the policy.
All information given to us must be, as far as you know, correct.
It is your responsibility to make sure that information relating to all
drivers covered by the policy is accurate. If we discover that you or
someone acting for you knowingly gave false information, we will
cancel the policy, treat it as though it had never existed and we
will not pay your claim.
Is it worth the risk??
That would be... No :lol:
If an insurance company dealing with trade have a suspicion that you obtained the policy by deception, all they have to do is ask to inspect your 'books' to see you are actually trading. Could even land you in **** with the IRS on top of everthing else :w00t:
My understanding is that a traditional policy makes no statement about the borrowed car needing to be insured, but over time, to reduce costs and liability, insurance companies have been slipping exclusions into the small print that either remove the option to use another car in an emergency (with the owners permission) and sometimes stating that the car must meat the legal requirement to be used on the public highway.
Like many I search for the cheapest deal each year, I have noticed that more and more of the cheaper quotes have these exclusions in the small print.