If you follow me...
[Edited on 21/9/05 by JoelP]
My wife has a car that is fully com and I am also named to drive it.
I have a car with fully comp but my wife is noy named but she can drive it third party on her comp polocy
I have a spare car, if I register it in her name can I legally drive that on the third party element of my comp policy even though it is not insured
by either of us? My wife has no intention of driving this car.
Just trying to see if I can legally have 3 cars but only have to insure 2 as I can only drive 1 car at any one time.
I think most of that is correct, apart from one problem. Every car has to have its own insurance policy relating to it. Otherwise you could buy a
994cc cinquecento and use the cheap fully comp insurance to scoot around on your cossie.
i.e. you'd have to take out a 3rd policy
mark
[Edited on 21/9/05 by 200mph]
mark,
that was what I always thought but many folks I have spoken to and some insurance companies I have asked say you can use the thrid party bit to drive
any car, and even if you did drive a cossie it still only has 3rd party cover so only damage to someone or something else is paid for? which would be
that case even if you crashed the cossie into a £50 cinqecento or a £500,000 ferarri.
Do you think the police would know the the answer?
check the small print of the policy. the 3rd party cover is for any vehicle that has ROAD TAX. ROAD TAX is only availible if the Vehicle is Insured to the person buying the tax. so the vehicle has to have some insurance !
If you check the small print I'm think you'll also find that you are only insured to drive 3rd party if the car does not belong to or is rented by you.
The problem is that if you ever park it at the side of the road, get out and someone hits it the car is illegal because it does not have any insurance. Plus, as already pointed out, you would not be able to tax it. As regards the general situation for the legality of the car being driven the way you describe, provided it is taxed, I would want to check with a lawyer or similar before doing it too often. Also, ask the insurance co if they accept your spouses car is not owned by you according to their definition.
I agree that you need insurance to buy road tax but the insurance could run out the day after you have bought the tax, not everyone has the road tax
and insurance for the same period of time. So you could legally have an unisured car with road tax so long as the car is not owned by you.
It is a very grey area. I have checked my policy wording and couldn't find an answer.
What happens if its parked on the road and lets say bursts into flames setting the car next to it on fire. Your not driving it so there is no insurance of any kind and you therefore go to jail for not having insurance for the vehicle on the public highway....
quote:
Originally posted by adam_moore
What happens if its parked on the road and lets say bursts into flames setting the car next to it on fire. Your not driving it so there is no insurance of any kind and you therefore go to jail for not having insurance for the vehicle on the public highway....
just to muddy the water somewhat, you could legally leave a caravan on the road, obviously it cant have its own insurance. If it rolled off and caused
damage to a 3rd party, you would be in the same 'uninsured loss' category, but would legally have left an uninsured vehicle.
If you follow me...
[Edited on 21/9/05 by JoelP]
You can drive a car not owned by you with third party liability if your policy allows for this, the rub is that the car must be insured by someone before your third party liability is valid
a caravan isnt a motor vehicle - the law would see it the same as if you left a wheelbarrow on the road. caravans do not need any insurance. neither
does a push bike
atb
steve
quote:
Originally posted by JoelP
just to muddy the water somewhat, you could legally leave a caravan on the road, obviously it cant have its own insurance. If it rolled off and caused damage to a 3rd party, you would be in the same 'uninsured loss' category, but would legally have left an uninsured vehicle.
If you follow me...
[Edited on 21/9/05 by JoelP]
so you'd just get sued?
quote:
Originally posted by adam_moore
..........you therefore go to jail for not having insurance for the vehicle on the public highway....
I think the law has changed, in Coventry police are having a blitz on uninsured cars with those caught having their cars impounded and not returned
until evidence of insurance is provided.
[Edited on 22/9/05 by nicklondon]
[Edited on 22/9/05 by nicklondon]
Ask if you can put another car on your policy as an additional vehicle. We did it with a mini years ago and it was not too expensive. Not all policies allow it though. On the caravan subject if they are left on the road they have to comply with lighting regulations and show parking lights after dusk.
catch people out by being so sketchy about the criteria/law.
Attached is a section from my policy document and it says nothing about the other car having to be insured on its own policy.
Very misleading. If you read what it says (not assume what it doesn't say) then you would say it is legal but if you did park it up and left the
vehicle are you still covered????
see attahced for policy wording
attachemnt didn't work oops.
Rescued attachment insurance.jpg
i think they dont have to mention it, because its actual a point of law, rather than a policy condition. You have to be insured against loss caused to
a 3rd party when driving. Since the car is owned by a 3rd party, it must itself be insured against damage.
I wondered this myself too recently, after i read my tesco policy - thought it was too good to be true!
I would consider getting a 3rd party any vehicle policy, ie trade, but i think that NCB doesnt count.
EDIT - why not try ringing your insurace company and asking them?
[Edited on 23/9/05 by JoelP]
at the end of the day, they hold the cards. If there is any doubt, and they decide not to pay up, its you that will have to do the running.
Insurance co's will stuff you at any opportunity if you are making a big claim.
I would play safe and take out proper insurance.
atb
steve
As I get asked this question at work all the time, I can clarify that you can only drive another car 3rd party on your policy if that car is insured
by someone else.
Pat... (court team member)...
pat.... perhaps you can clarify.....
from a different perspective....my understanding is that driving without insurance is an endorseable offence..... that doesnt perhaps cover a car
parked at the side of the road and owned by you?
from the dvla site....
IN10 Using a vehicle uninsured against third party risks.......... 6-8 points
parking it isnt using it.........
atb
steve
quote:
Originally posted by Avoneer
As I get asked this question at work all the time, I can clarify that you can only drive another car 3rd party on your policy if that car is insured by someone else.
Pat... (court team member)...
Steve,
As far as the Police are concerned, if a car is parked on the road, it has (is supposed) to be insured.
Whether the CPS would prosecute is a different matter.
There are several no insurance offences, and not just the IN10 one the DVLA use.
Got them all written down, but my files at work.
Pat...