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General => Insurance => Topic started by: gtibob on 01 March 2007, 11:19
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My comprehensive policy states that i may drive other cars on a 3rd party only basis (with the owners consent). Does the owner of the other car need to have a policy in force on the vehicle. My insurers call centre is in India and they just dont understand the question. They keep reapeating 'you cant drive in the UK without insurance' I've given up trying to explain.
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Hello mate,
You would probably find that you may get different answers to this question from different insurers.
Our view is that yes the other vehicle must have insurance on it, otherwise if you get out of it, ie park or get pulled over and asked to step out of the vehicle then that vehicle is then on a public road without insurance, which is an offence.
Hope that helps
Martin :smiley:
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Are you still not legally in charge of it or responsible for it?
Like in DD cases the cops deem you liable if you have the keys in your possession.
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Thanks Martin, yes everyone seems to have a different opinion but you are obviously more qualified to answer. So leaving a car on the highway without insurance even though its taxed is an offence. This suggests that its the vehicle thats insured not the driver or am I missing something here
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Are you still not legally in charge of it or responsible for it?
Like in DD cases the cops deem you liable if you have the keys in your possession.
Exactly, thats pretty much what i was getting at. :smiley:
Thanks Martin, yes everyone seems to have a different opinion but you are obviously more qualified to answer. So leaving a car on the highway without insurance even though its taxed is an offence. This suggests that its the vehicle thats insured not the driver or am I missing something here
You have to be insured to drive the vehicle (which you presumably have the extension to drive other cars under your own policy) but all vehicles must be insured to be on the public road so if you get pulled and asked to get out of the car, that vehicle is then sat on a public road uninsured while you are responsible for it.
Hope that makes sense :smiley:
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sorry quick question..im 18 now but will be 19 when my insurance comes for renewal..if i got a fully comp policy with HIC would i be able to drive any car with the owners consent as tpft? or am i too young?
kun
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Hi mate,
Most of our policies state you have to be 21 to have this however we do have one underwriter that will allow this for drivers of 19 and up however they will not always quote for all cases so would have to run it thru and see.
Also you can have driving other cars on Third party fire and theft cover as long as your age and occupation are ok, dunno why everyone thinks its just on comp! :huh:
Hope this helps
Martin :smiley:
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so your sayin if your 21 or above and have fully comp with HIC you can drive any other car with drivers consent. Do you know if this applies to other insurers aswell.
What if the car of consent is a sl55 amg, or a ferrari 430, range rover, 7 series or bentley so forth. high end cars etc.
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some of our policies offer it from 19 and up, most 21 and up. You dont have to be fully comp (dunno where everyone gets that idea :rolleyes:) its available on TPFT too, you just have to be old enough, hold a full licence and have an acceptable occuaption (not motor trade etc).
There is no limitation on the type of car (but it is cars not motorbikes, quads, commercial vehicles etc) but bare in mind its third party only on other cars so if you stuff your mates Ferrari in a ditch he aint gonna be too happy! :wink:
The car cannot be registered to yourself, it must be insured (eg by the owner) and you must have their permission.
No it will vary massivly with insurers as to whether or not you get it.
Martin :smiley:
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i see, cheerz martin. im with admiral at the mo. what do i need for a quote on sl55 amg or ferrari 430? for a day or 2?
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lol err....lots of money?
You can buy temporary, even daily insurance (we offer it but min of 14days, max val £15k and not that higher grp cars) so your best bet is to type "daily insurance" "temporary insurance" "short term insurance" and a few variations along that theme into summat like Google and see what comes up.
You will probably find most short term insurers have quite strict rules on driver age, type of vehicle, value etc tho as the premiums they take are a lot lower than annual policies so they have to be very carefull who/what they insure as any large claims could wipe out the premium they have taken for the last few months etc
:smiley:
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indeed martin, thanks anyway for the summary. :wink:
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No worries buddy...you got lots of mates with Ferrari's and flash mercs then? :shocked: :wink:
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yeh il post a pic up next time mate. just got a couple mates weddings coming up, they want a convoy of cars, il be in the sl55 the other in the 430 and another in a gallardo. that should be a good enough entrance with the bride in a bentley. Just want piece of mind and get insured on the barstrd.
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i am a mechanic wud i beable to get insurance to drive any other cars
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With most of our underwriters unfortunately not, we have one company that would offer it but they are a bit "hit or miss" with their quotes so dunno if they would be good or not.
Maybe some other companies that will give it without question but i think a lot dont if you are in the motor trade.
Martin :smiley:
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yeh il post a pic up next time mate. just got a couple mates weddings coming up, they want a convoy of cars, il be in the sl55 the other in the 430 and another in a gallardo. that should be a good enough entrance with the bride in a bentley. Just want piece of mind and get insured on the barstrd.
wouldn't you be better off getting the owner to add you as an additional driver for the period needed? Also , correct me if i'm wrong Martin, but I think you can only use your NCB on one vehicle at a time so you'd be trying to insure those cars with no NCB aswell if you have insurance on your own car.
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wouldn't you be better off getting the owner to add you as an additional driver for the period needed? Also , correct me if i'm wrong Martin, but I think you can only use your NCB on one vehicle at a time so you'd be trying to insure those cars with no NCB aswell if you have insurance on your own car.
True that may be a better option if its acceptable to whoever insurers the cars to do a tempory additional driver if they will do it.
For short term insurance NCB is irrelevant anyway
Martin :smiley:
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That is good thinking, well he offered to add my car to their company insurance when i got it but i wanted it in my name. il have to ask again. i just thought incase he cant do it for me to have a look around as i havnt really looked into it and get things going. Cheers tho.
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I've used temporary insurance to borrow my inlaws 4x4.
I used www.dayinsure.com
Basically it's £10 per day (plus admin fee) for any car upto the value of £40,000 for fully comp (and you can add additional drivers for free).
You can set the time your cover starts (ie immediately for picking up a car or a week in advance). Doesn't matter about NCB or points.
They will insure cars over £40k but not sure how much for.
Well worth a look.
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I've used temporary insurance to borrow my inlaws 4x4.
I used www.dayinsure.com
Basically it's £10 per day (plus admin fee) for any car upto the value of £40,000 for fully comp (and you can add additional drivers for free).
You can set the time your cover starts (ie immediately for picking up a car or a week in advance). Doesn't matter about NCB or points.
They will insure cars over £40k but not sure how much for.
Well worth a look.
Thanks mate