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?
