A mate insured his pug 306 fully comp - which gave him third party cover on a vehicle NOT belonging to the policy holder. So he bought a nissan pulsar gtir, put it in his mums name and drove it 3rd party.. Also bought a honda express moped (in dads name) and used that. Got a tug in it, took the PEUGEOT doc's down the station, and no probs. However if that pulsar sits at the side of the road its technically not insured so could be towed away, he has to park it on driveway and in proper off road car parks. My bosses son also insures his 200sx fully comp, and drives his passat daily, his dads evo etc. Got stopped in the evo by the interceptors sayin 'this cars only covering the policy holder' (his dad), but when he explained HE is insured when in it they let him go.now every1 will say that the car has to have insurance 4 u to hav ur 3rd party cover in it, but why? If U crashed it, it'd go thru UR 3rd party company to fix the other cars damage, not ur mums/dads etc, cos they didn't crash it, why should their (totally separate) ins company fork out 4 it?? I think its a loophole overlooked/ not fully understood. Any1 know more on this?
If you want to use the Third Party driving other car extension you have through your own policy the car your driving has to already have tax and MOT and HAS to have an insurance policy on it in someone elses name. If you crash it and its your fault then there is no cover at all. That vehicle your driving will not be repaired and you will have to cover the costs yourself..it only covers you for damage done to another vehicle or property..
Hope this clears it up
Danny
HIC
