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Car Insurance QUESTION >>>>>

J4GG4 Avatar
7y, 4m agoPosted 7 years, 4 months ago
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???
J4GG4 Avatar
7y, 4m agoPosted 7 years, 4 months ago
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#1
you can get insurance for a couple of days on another car, but if the car isnt insured by another person you cannot drive it...or rather if you do drive it, you will be driving without insurance...
#2
lil_tiger
you can get insurance for a couple of days on another car, but if the car isnt insured by another person you cannot drive it...or rather if you do drive it, you will be driving without insurance...



I was thinking the same thing try:

[url]www.tempcover.com[/url]
#3
I was using the 'use a friends car' as a example. I dont want to use a friends car i own 3 cars and i want to drive them all without taking out 3 policys costing £1000 each.
#4
I never knew it had been clamped down on..... I just drive a ford KA but drive my bf's Audi A4 sometimes...eak...better check out the policy.
#5
J4GG4
I was using the 'use a friends car' as a example. I dont want to use a friends car i own 3 cars and i want to drive them all without taking out 3 policys costing £1000 each.


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??
#6
Get a traders policy, say your a mobile valeter or a car dealer.....they don't ask for proof, and i've had a policy for 3 years, buy cars sell them on - I got mine in April 2009 for £753, i'm 27 and have an indeminity of £20,000 meaning thats the value that i can drive at.

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.
#7
There is such a thing as private or family fleet insurance. I have no idea of costs or if it is a viable alternative, need to see abroker though as not usually available from the usual villains. Just googled an example here.
#8
If your ins allows you to drive another car its third party only. the car must be insured by the owner for example.
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.
#9
melipona
There is such a thing as private fleet insurance. I have no idea of costs or if it is a viable alternative, need to see abroker though as not usually available from the usual villains. Just googled an example here.


Interesting thanks
#10
bellabonkers
I never knew it had been clamped down on..... I just drive a ford KA but drive my bf's Audi A4 sometimes...eak...better check out the policy.


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:)
#11
lil_tiger
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:)


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)
#12
bigwheels
If your ins allows you to drive another car its third party only. the car must be insured by the owner for example.


Well i'd like to see an official link that says that :)
#13
Shengis;5874787
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
#14
tinkerbell28
If I am being ignorant here then sorry, but would this not be a fraudulent declaration to obtain insurance, thus rendering you screwed if you need to make a claim and they ask for proof? As well as being a criminal offence. Especially if it's a serious accident and the police are all over the accident, wanting to know the ins and outs?


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
#15
bigwheels
If your ins allows you to drive another car its third party only. the car must be insured by the owner for example.
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?
#16
Shengis
Well i'd like to see an official link that says that :)


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.
#17
melipona
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


Exactly:thumbsup: My insurance makes no stipulation that the car has to be insured elsewhere....

http://www.shengis.net/hukdpics/doce.jpg

(had to be posted as a jpg because the policy doc is a protected pdf with copy/paste disabled)
#18
Extract from a standard policy:
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??
#19
melipona
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:
#20
Shengis;5874991
Exactly:thumbsup: My insurance makes no stipulation that the car has to be insured elsewhere....


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.
#21
tinkerbell28
If I am being ignorant here then sorry, but would this not be a fraudulent declaration to obtain insurance, thus rendering you screwed if you need to make a claim and they ask for proof? As well as being a criminal offence. Especially if it's a serious accident and the police are all over the accident, wanting to know the ins and outs?


Well technically yes you have a point but it's a much better solution the possibilities of being uninsured. The key, as you say is not to lie.

I have a traders policy and told them I buy and sell a few cars from home which I do, they know of all the cars I have that come and go as I am obliged to tell them. They are fully aware I have had an impreza turbo for the last 3 years (cant seem to shift it:oops:) which may cost more to insure privately than on a traders policy.
#22
lil_tiger
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:)


Ah right ok thanks...and yeah..I am over 25 lol :)
#23
It is my belief that if an insurance company saw any way that they could wiggle out of paying up then they would.
If I was wealthy enough to be a Lloyds name then I would insist that they applied this rationale with vigor!
#24
melipona
It is my belief that if an insurance company saw any way that they could wiggle out of paying up then they would.
If I was wealthy enough to be a Lloyds name then I would insist that they applied this rationale with vigor!


RTA 144 makes interesting reading if you've got the spare cash. Cheap way to run a fleet of supercars (just hope you never crash) ;-)
#25
bigwheels
If your ins allows you to drive another car its third party only. the car must be insured by the owner for example.
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.

Actually (puts on nerdy glasses and preaches to all in hearing range:geek:) Road Traffic Act insurance is the lowest insurance legally needed, although this type of policy is very rarely (if at all) sold. See this link for details:

http://www.fearofcrime.co.uk/Appendix.pdf
#26
So can i drive another car that is not insured by anyone else if i have the clause stating i can drive other cars as long as they are not owned or leased by me or does the other car have to be insured also?
#27
PrideandPassion
So can i drive another car that is not insured by anyone else if i have the clause stating i can drive other cars as long as they are not owned or leased by me or does the other car have to be insured also?


If your fully comp you can drive anycar other than your own BUT the 'other' car has to be owned by someone else and insured by the owner. If its not and you get pulled then your insurance will be VOID and you;ll get done for no insurance
#28
J4GG4
If your fully comp you can drive anycar other than your own BUT the 'other' car has to be owned by someone else and insured by the owner. If its not and you get pulled then your insurance will be VOID and you;ll get done for no insurance


I still want proof of this statement :) (See post #19)
#29
J4GG4
If your fully comp you can drive anycar other than your own BUT the 'other' car has to be owned by someone else and insured by the owner. If its not and you get pulled then your insurance will be VOID and you;ll get done for no insurance


How can you get done for no insurance? You have a certificate that states you are covered to drive other vehicles, does it say you can drive another vehicle as long as a valid certficate of insurance exists for that vehicle:?
#30
J4GG4
If your fully comp you can drive anycar other than your own BUT the 'other' car has to be owned by someone else and insured by the owner. If its not and you get pulled then your insurance will be VOID and you;ll get done for no insurance


I keep hearing this but noone seems to be able to proove it, surely if my certificate of insurance says i can drive any other car third party as long as it is not owned or hires by me then i cannot get done as my insurance co are covering me?
#31
PrideandPassion
So can i drive another car that is not insured by anyone else if i have the clause stating i can drive other cars as long as they are not owned or leased by me or does the other car have to be insured also?


This is a difficult question to answer - as far as I'm aware legally the other car *doesn't* have to be insured separately but it's a grey area. The difficulty arises from the fact that the police don't quite see it this way as they treat insurance as being tied to the car and not to the person therefore a car without its own valid insurance policy will get flagged up every time on ANPR as having on insurance. You won't be able to tax the cars without a valid insurance certificate for the car specifically and usually short term insurance won't be accepted tax either.

If looking for a more authorative answer I'd ask the question on Pepipoo - I don't think I've seen anyone convicted under these circumstances but seen the police pull cars and then charge release fees when the third party cover has been proved. Apparently though the police are trying to get insurers to cut down on third party cover on other cars.

John
#32
If no-one has been convicted then the chances are it is legal to drive an uninsured car under your own policy, however as you say the uninsured vehicle will trigger a traffic cops anpr system and you will no doubt get pulled and the vehicle be impounded if the officer is not satisfied that the vehicle is insured. Maybe a way to stop this happening would be to carry your insurance certificate whilst driving vehicles in these circumstances, then if the officer still decides to impound the car surely you would have a case for them to waive the fees, pain in the **** though
#33
They won't accept the insurance certificate unless they can validate the insurance over the phone as the certificate may not be valid if payment has been stopped for example. They won't waive the fees in those circumstances either, I don't know if anyone has been convicted or not. You won't be able to get tax for the cars with third party from another car nor can you use a short term insurance setup either.

John
#34
I think you've pretty much got it correct in your main post:
1) You can only drive other cars in an emergency.
2) You only get third party cover.
3) The other car must be insured by its owner.

It is possible to try and argue the point by what is and isn't stated in terms and conditions, but the reality of it is that unless the above holds true you're not in a strong position legally if you want to make a claim.

What I would add to that is that the other thing that has changed in todays world is that companies are finding that cars insuring couples are less likely to be in accidents (maybe one partner giving the other a hard time :p).

Anyway, if you add a partner as a named driver, insurance will usually stay the same or go down.

In your case where other partners cannot drive, the question will then arise of why they have a car. If they just have a temporary illness, they'd still have insurance. In all other cases, if you needed to drive a separate car, it would be yours.

Your friend with the trader's license may be breaching the rules of his license. It's one of those things like whether or not you use your car for business. Some people do the odd mile but don't insure against it and the insurance company can't really prove it one way or another. However, buying a trader's license for what your friend is doing, specifically to drive another car, might be found to be invalid.

AMO
#35
AMO1980
I think you've pretty much got it correct in your main post:
1) You can only drive other cars in an emergency.
2) You only get third party cover.
3) The other car must be insured by its owner.

It is possible to try and argue the point by what is and isn't stated in terms and conditions, but the reality of it is that unless the above holds true you're not in a strong position legally if you want to make a claim.

What I would add to that is that the other thing that has changed in todays world is that companies are finding that cars insuring couples are less likely to be in accidents (maybe one partner giving the other a hard time :p).

Anyway, if you add a partner as a named driver, insurance will usually stay the same or go down.

In your case where other partners cannot drive, the question will then arise of why they have a car. If they just have a temporary illness, they'd still have insurance. In all other cases, if you needed to drive a separate car, it would be yours.

Your friend with the trader's license may be breaching the rules of his license. It's one of those things like whether or not you use your car for business. Some people do the odd mile but don't insure against it and the insurance company can't really prove it one way or another. However, buying a trader's license for what your friend is doing, specifically to drive another car, might be found to be invalid.

AMO


Yet again we are being told that the other car needs to be seperatly insure (point 3), how come it does not say this in any of the insurance companies terms and conditions? Surely they cant expect you just to know that.

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