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Need insurance for loan of uninsured car?

Benjimoron Avatar
8y, 1m agoPosted 8 years, 1 month ago
Am going to be receiving a short term loan of a car which isn't currently insured. Do I need to insure it in order to drive it or can I use the third party part of my comprehensive policy to drive it?

Norwich Union say it's fine but something in me says that I can't drive it if it doesn't have it's own insurance policy too.

Any help appreciated in the form of rep!
Benjimoron Avatar
8y, 1m agoPosted 8 years, 1 month ago
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#1
btw it's taxed and motted.

Don't want to take out a policy for the sake of a couple of months if I don't have to!
#2
last i heard the other car had to have insurance for your insurance to be third party only on it
banned 1 Like #3
If you will have 3rd party cover under your comp cover then you don't need to pay for extra insurance if you are happy to pay for any damage that wouldn't be covered
#4
linw
last i heard the other car had to have insurance for your insurance to be third party only on it


That's what I would've thought but Norwhich Union say it's fine.
#5
Spearmint
If you will have 3rd party cover under your comp cover then you don't need to pay for extra insurance if you are happy to pay for any damage that wouldn't be covered


Only need 3rd party so not worried about damage to the car!

More worried about a police check camera thing picking it up as having no insurance, even though my provider say it's fine.
#6
as oh is fully comp and drives my sons on his own insurance but if anything happens it will be my sons insurance that the claim will be on as we asked swintons insurance when our car was in for repair .so it must vary depending on which company your with.
#7
It's commonly thought the car has to be insured somewhere else. There is nowhere in your policy that states the car has to be insured elsewhere so I can't see a problem and do not think it's necessary.

I would make sure you carry your insurance certificate with you as the car will not be on the mid database as insured so it will be handy to have it with you if you get pulled over.

I spent ages searching for the answer to this some time ago and if your insurance say you are ok to drive other cars, as I suspect they will, I can't see how they could say you are not covered in the event of an accident.
#8
this is off their website

Most car insurance policies will cover you for a year, but sometimes you may need car insurance for a much shorter period.

You might want to take delivery of a new car from a dealer or seller, or insure a friend or relative to drive your car for a day or two. With Norwich Union Short Term Car Insurance you can temporarily insure another driver or another car for 1 to 28 days.

* Immediate comprehensive insurance cover for cars and vans
* Secure, quick and convenient online transaction
* 24 hour Short Term Car Insurance claims line
* Optional Short Term Car Insurance cover for driving in Europe
#9
jtx
It's commonly thought the car has to be insured somewhere else. There is nowhere in your policy that states the car has to be insured elsewhere so I can't see a problem and do not think it's necessary.

I would make sure you carry your insurance certificate with you as the car will not be on the mid database as insured so it will be handy to have it with you if you get pulled over.

I spent ages searching for the answer to this some time ago and if your insurance say you are ok to drive other cars, as I suspect they will, I can't see how they could say you are not covered in the event of an accident.


Sounds good to me!

Don't want to pay for it if I shouldn't be.

Anyone know whether this will come up on a police car's check so I'll get pulled over for it or not? If I'm gonna get pulled over I'd rather just pay for it.
#10
thej
Heard the same as linw,would double check with NU,maybe get something in writing from them.


Probably a good idea, but the main thing is whether the police would make something out of it. Can't be doing with the hassle/stress of it, would rather just pay for a 2nd policy to save all the agro!
1 Like #11
The car will only be insured when you're actually in it, still 50/50 in the eyes of the police though. So if you park it up and leave it somewhere it's fair game for the local police pound. My brother in law has trader insurance and was driving the wife's car (after servicing it) but STILL had the car confiscated and had to pay £200 to get it back and we had to write a letter to show he actually had permission to be driving the car:x
#12
Thanks Shengis, I guess that settles it for me. Don't want any of this hassle and not worth having it taken away etc for the sake of saving a few quid!
#13
just been looking it up and the car will only be insured while you are with it this is from the forum
"1b Driving other cars
If your certificate of motor insurance says so, this policy provides the same cover as above in 1a when you are driving any other motor car as long as you do not own it and it is not hired to you under a hire-purchase or leasing agreement. This cover only applies if:
• there is no other insurance in force which covers the same claim;
• you have the owner’s permission to drive the car;
• the car is registered in and being driven in Great Britain, Northern
Ireland, the Republic of Ireland, the Isle of Man or the Channel
Islands; and
• you still have your car and it has not been damaged beyond
cost-effective repair.
If you drive another car under this section, there is no cover
for damage, fire or theft to the car you are driving."

so no requirement for it to be insured by the owner in my policy

the Road Traffice Act offence is 'using' a car uninsured, not driving it though, and my cover insures me to 'drive'

can it really be the case that you can be prosecuted based on that fine distinction, on the basis that once you park and get out, however briefly, you are still using the car, but not driving it ?
1 Like #14
this person reckons that while not with the vehicle police did a pnc on it and it was seized for no insurance
#15
linw
this person reckons that while not with the vehicle police did a pnc on it and it was seized for no insurance


It makes sense what he says, whilst you're not in it it'll be uninsured and they could take it away etc.

Combined with the fact that they could pull you over as the car won't be on the system as insured makes it a bit of a no-no for me.
1 Like #16
I have got a traders policy now so I could check if it's legal for me to add it to the database from my policy for you.

Obviously you would never need to claim off my insurance so I don't see why not, it's just a case of me emailing the mid for them to add the car. Let me know if you are interested and ill ring and check if it's legal.

I would expect a drink though;-)

You could check if it was correctly added to the database by checking http://www.askmid.com/

Can't see how the police can take an unattended car for no insurance though, I have normally got at least one not on the database. I only have to add it to the database if I have it for longer than 2 weeks according to mid guidelines.
#17
jtx
I have got a traders policy now so I could check if it's legal for me to add it to the database from my policy for you.

Obviously you would never need to claim off my insurance so I don't see why not, it's just a case of me emailing the mid for them to add the car. Let me know if you are interested and ill ring and check if it's legal.

I would expect a drink though;-)

You could check if it was correctly added to the database by checking http://www.askmid.com/

Can't see how the police can take an unattended car for no insurance though, I have normally got at least one not on the database. I only have to add it to the database if I have it for longer than 2 weeks according to mid guidelines.


Sounds good, I will certainly think about it but obviously need to check that it's the right thing for me to do and be sure that I will be covered. I'll see what I can find out myself too but certainly sounds interesting.

Does the car not have to be used for your place of work or something?
#18
Is this a "hire car" or someone you know who has the car?

If the car is not insured, ie not from a loan company, then it should be sorn and kept off the road. If it still has a valid MOT then it would need re-taxing and insurance.
If it does come from a hire car company then they would have there own insurance and anyone who hires it, they will require insurance that will ensure the full cost of the car incase of accidents, claims etc...

Basically, the car in question must have insurance. Your own fully comp insurance on your other car "may" allow you to drive another car under third party cover, but of course you would be liable for all costs.
Perhaps look at buying your own temp fully comp insurance for the car. Should cost about £30 for the month.
#19
lawe
Is this a "hire car" or someone you know who has the car?

If the car is not insured, ie not from a loan company, then it should be sorn and kept off the road. If it still has a valid MOT then it would need re-taxing and insurance.
If it does come from a hire car company then they would have there own insurance and anyone who hires it, they will require insurance that will ensure the full cost of the car incase of accidents, claims etc...

Basically, the car in question must have insurance. Your own fully comp insurance on your other car "may" allow you to drive another car under third party cover, but of course you would be liable for all costs.
Perhaps look at buying your own temp fully comp insurance for the car. Should cost about £30 for the month.



Will probably get my own insurance for it.

I'm going off what Norwich Union said to me that I can still drive it no problems even if the car has no current insurance on it. I asked several times phrasing the question differently to ensure they understood exactly what I was asking.


It's not a hire car, my parent's car that they have no use for. Obviously don't want to have to insure it if I don't have to, but will do if it's gonna cause loads of problems!
1 Like #20
Ahhhh, ok!

Right, as I see it, your parents should hold insurance for it and therefore you would have no problems driving it third party.
If they don't, then they should have the car "sorn".
I was in a limbo when I had three cars on the drive, Wife/Mine family mobile, the runaround at stupid hours car for me and my old but sorely missed Delica.
Direct Line gave me fully comp for 2 weeks @ £22.05 but then, somehow, managed to get a full refund!
This is not the first time this has happened to me but with a different insurer and they gave me one months free fully comp to tide me over while selling.

HTH
1 Like #21
jtx
I have got a traders policy now so I could check if it's legal for me to add it to the database from my policy for you.

Obviously you would never need to claim off my insurance so I don't see why not, it's just a case of me emailing the mid for them to add the car. Let me know if you are interested and ill ring and check if it's legal.

I would expect a drink though;-)

You could check if it was correctly added to the database by checking http://www.askmid.com/

Can't see how the police can take an unattended car for no insurance though, I have normally got at least one not on the database. I only have to add it to the database if I have it for longer than 2 weeks according to mid guidelines.



By law even to be parked on the street the car must have insurance and they can lift it without consent, tho they will give it you back with no fee if you can porive you are insured, tho not worth the hassle IMO. could get lifetd 5 times during the time you use it!! its a case of guilty until you can prove otherwise :thumbsup:
banned 1 Like #22
jtx;3406774
It's commonly thought the car has to be insured somewhere else. There is nowhere in your policy that states the car has to be insured elsewhere so I can't see a problem and do not think it's necessary.

I would make sure you carry your insurance certificate with you as the car will not be on the mid database as insured so it will be handy to have it with you if you get pulled over.

I spent ages searching for the answer to this some time ago and if your insurance say you are ok to drive other cars, as I suspect they will, I can't see how they could say you are not covered in the event of an accident.

I agree but I would ask your insurer for a cover note anyway as the charge will be nominal but saves embarrassment if you get pulled over (unlikely around here as there doesnt seem to be any police anywhere!)
#23
lawe
Ahhhh, ok!

Right, as I see it, your parents should hold insurance for it and therefore you would have no problems driving it third party.
If they don't, then they should have the car "sorn".
I was in a limbo when I had three cars on the drive, Wife/Mine family mobile, the runaround at stupid hours car for me and my old but sorely missed Delica.
Direct Line gave me fully comp for 2 weeks @ £22.05 but then, somehow, managed to get a full refund!
This is not the first time this has happened to me but with a different insurer and they gave me one months free fully comp to tide me over while selling.

HTH


Parents have it insured for a short while but will run out soon.

Thanks for everyone's help, will have to get it insured by the looks of things! Better safe than sorry!

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