insurance question

[beast5680]

anyone know the answer to this?

My disco is insured fully comp allowing me to drive any other vehicle third party heres the question...can i drive my other disco which is currently not insured in itself but is taxed and mot,ed on my own insurance third party?
i,ve read the small print and all it says is i have the ability to drive another vehicle and i will be covered third party :?

i need to drive the other one about to test drive it for a couple of days

[v8kenny]

Reading the small print of my NFU Policy, it allows me to drive any other vehicle NOT owned by me
So I reckon if you own the other Disco and are not just the registered keeper then you won't be covered

[v8kenny]

Reading the small print of my NFU Policy, it allows me to drive any other vehicle NOT owned by me
So I reckon if you own the other Disco and are not just the registered keeper then you won't be covered
Best to check with them before driving I think  

[Wolfie]

I've only ever come across this as applying only to vehicles that you don't own.

I'd suggest giving your insurance company a call and checking whether you are covered.

Even if you are, be prepared for getting stopped by the police as the car will be flagged as uninsured on the police computer.

Regards

Wolfie

[beast5680]

:lol:  so if i sell it to the wife for the weekend then i could drive it :lol:  chances of the old bill stopping anyone round here are remote to say the least :roll:
thats what i was afraid of, if i am followed their computer flags up no insurance :roll:  and i get pulled, or i could just stick to the back roads

i just found an addition i missed

Most policyholders over the age of 25 are given this cover. If this benefit is added it will show on your certificate of insurance. This cover is Third Party Only and is restricted to vehicles not owned and registered to you.

[Tigger]

As I understand, it is usually the case that the other vehicle needs to have a valid insurance policy on it in order for you be able to drive it.    So the owner would have to have the vehicle insured, and then your insurance would cover you to drive it 3rd party.

[L90OOK]

As I understand, it is usually the case that the other vehicle needs to have a valid insurance policy on it in order for you be able to drive it.    So the owner would have to have the vehicle insured, and then your insurance would cover you to drive it 3rd party.

I'm with Tigger on this.

The vehicle you are driving has to be insured by the registered keeper in order for you to drive under your policy.

...& it's not just a case of the police catching you...if you are involved in an accident whilst not properly insured it's not just you that it effects.  Please ensure you are correctly insured...& not just take the back roads!
rant over... :roll:

[mmgemini]

Is it really worth having your vehicle taken from you and crushed because you thought you were insured  :twisted:

[beast5680]

well strangely the insurer works on a sat afternoon so i have questioned them at length and the definitive answer is

the vehicle *has* to have insurance by the owner then it would be possible for me to drive it on my insurance third party!
so i,ve got them to add the spare disco to my policy for a couple of weeks so i can use just to be on the safe side and all above board :D

[Bulli]

just a thought, what happens if it gets nicked?

I have 2 sorned vehicles..well 1 has left home for good last night... and both are insured. I couldnt live with myself if one was stolen and i couldnt get the money.

[beast5680]

it has no chance of getting nicked unless they can lift it over a wall move one other disco and my van out the way and previous to today rebuild the engine :lol:
i need it insured now so i can drive it around and make sure the engine is running ok and iron out a few other niggles before i sell it

[smo]

As I understand, it is usually the case that the other vehicle needs to have a valid insurance policy on it in order for you be able to drive it.    So the owner would have to have the vehicle insured, and then your insurance would cover you to drive it 3rd party.

Myth.

The vehicle does NOT need top be insured by the owner for the TPO cover to work when driving another persons vehicle on your own insurance.

This is a fact, and i'd bet both my cars on it! ;)

[muddyjames]

So what your saying SMO is that I could buy a metro and get really really cheap insurance on it and then buy another 6 cars and one maybe being a bentley and I wouldnt have to insure the bentley, I could just drive it on the metro tpo insurance?

Hmm I dont think so!

[smo]

So what your saying SMO is that I could buy a metro and get really really cheap insurance on it and then buy another 6 cars and one maybe being a bentley and I wouldnt have to insure the bentley, I could just drive it on the metro tpo insurance?

Hmm I dont think so!

No, because you cant drive another can on your TPO if you legally own it. But you could drive a mates car TPO regardless of them having insurance or not.

[muddyjames]

Oh right. I got confused when you said I will betboth my cars on it!

How would you get around road tax though? Surely a car needs to be insured to be taxed? I guesss you could buy a months insurance then cancel it and have 11months road tax and no insurance?

[waveydavey]

As I understand, it is usually the case that the other vehicle needs to have a valid insurance policy on it in order for you be able to drive it.    So the owner would have to have the vehicle insured, and then your insurance would cover you to drive it 3rd party.

This is a fact, and i'd bet both my cars on it! ;)

Maybe we should take oyu up on it and have them as club cars?
Read the post: THE INSURER SAID that the other car has to have it's own insurance.

Another point worth knowing is that in many cases you only get road traffic act insurance not Third party. The implication that if you hit somebody the insurance will pay for their personall injury but you are personally liable to repair their car.

[smo]

As I understand, it is usually the case that the other vehicle needs to have a valid insurance policy on it in order for you be able to drive it.    So the owner would have to have the vehicle insured, and then your insurance would cover you to drive it 3rd party.

This is a fact, and i'd bet both my cars on it! ;)

Maybe we should take oyu up on it and have them as club cars?
Read the post: THE INSURER SAID that the other car has to have it's own insurance.

Another point worth knowing is that in many cases you only get road traffic act insurance not Third party. The implication that if you hit somebody the insurance will pay for their personall injury but you are personally liable to repair their car.

Well i'm afraid the bint from the insurance company is WRONG, read the small print, its all there, or not as the case may be - the other car does not have to be insured in any way shape or form, so my cars stay mine!

[muddymart]

try this insurance company,

www.ecarinsurance.co.uk

the pay as you go style insurance lets you add drivers and vehicles at any time, you do it all online,and you can remove them at any time as well,

i currently have myself, swmbo (provisional)the disco and swmbo's daewoo lanos, and it only costs me £37+ per month a bit pricy but ive changed car three times already this year,
quite handy as well as ive bought a few cars from the auctions and sold them on, i just go online and add the details for however long i require it,

a normal policy would penalise you for this or even refuse to do changes after a certain amount,

i wouldnt live it down if i knocked down a child reversing out the drive uninsured      :smack:

[Yoshi]

SMO, actually you will find that a vehicle has to be insured by the owner on the road, you are only covered under your insurance on a vehicle that is insured by the owner, this is fact and has been confirmed (previously) by both the DVLA and the police.

[smo]

SMO, actually you will find that a vehicle has to be insured by the owner on the road, you are only covered under your insurance on a vehicle that is insured by the owner, this is fact and has been confirmed (previously) by both the DVLA and the police.

Beg to differ as i've had it confirmed the other way. Its a common misconception that it needs to be insured by the owner as its covered by your insurance when you drive it, hence doesnt need its own insurance.

[bigedyant]

Contact your insurers, they may be able to list your #2 Disco as a temporary replacement for #1 Disco for a few days. I did this when my new tuition car was not ready, but the insurance had already switched.

 They may charge a small fee, but it's cheaper than a whole new insurance policy or the consequences of an un-insured bump.

[Boggert]

Ok with out looking at all the other comments... the answer is NO,the reason being is when you are not with the vehicle it is uninsured and on a public highway.

The vehicle needs to be insured at least 3rd party for you to be able to drive it.
If it was the case I would only insure one car and the rest I would drive fror free... Insurance companies know this...

[waveydavey]

SMO, actually you will find that a vehicle has to be insured by the owner on the road, you are only covered under your insurance on a vehicle that is insured by the owner, this is fact and has been confirmed (previously) by both the DVLA and the police.

Beg to differ as I've had it confirmed the other way. Its a common misconception that it needs to be insured by the owner as its covered by your insurance when you drive it, hence doesnt need its own insurance.

This is a really important subject. SMO I Don't know where you got this from but if you really believe it then I suggest you get a letter from your insurance company stating it very clearly (they won't) not rely on your interpretation of the clause.
I really don't like the idea of you driving anything around uninsured simply due to ignorance of the rules.

[hairyasswelder]

Back to the origional question..... You own Disco no. 2 so you will have to add it to your existing policy for disco no. 1  

I just bought a 'new' (to me   ) car, I changed the insurance over to 'new' car and had 'old' car added to my policy for 2 weeks.  Total cost for 2 weeks was £14.50  :lol:
Never drove it but it was kept on the road while it was listed on e-bay

As for the owner having to be insured for you to drive on your 'other car' insurance I would tend to agree with Boggert, his statement seems logical and IIRC isn't he a copper??

Steve

[Buddha]

SMO is correct, I've been desperately looking for something to back-up this post, beyond my tale but as soon as I do, it will follow.

I was advised of this 'phenomenom' by my insurer when I last changed cars. Because I was looking a privately owned cars, I wanted to know if I could increase the protection I had under my own insurance from 3rd party so that if I did have a prang the car's repair would be covered. - The answer was No, as I don't have an 'insurable interest' in the vehicle.

Next question, what about cover if I made a purchase outside their trading hours - Don't worry sir, if your wife purchases the vehicle and has a receipt made out in her name, your existing policy will cover your legally to get the vehicle home, just make sure you call us as soon as possible in the morning to arrange full cover.

When driving another vehicle under your own insurance, you are only afforded the protection so that in the event of a collision that party may claim against you - there is no personal benefit. You can't park the car on the highway - as soon as you cease driving it; uninsured. Catches fire; a risk not covered. Theft; a risk not covered etc.

Look at it a different way. My Disco is insured by me fully comp. My wife is not on the policy as she has no interest in driving it. But, her own insurance would cover her if she were to. Instead, I've insured my best mate as a named driver, so if he drives it laning & sticks it into a tree, no problem.

Now imagine I do something to invalidate my insurance that he doesn't know about. I've modified my vehicle & not told my insurer. I've a limited mileage policy & gone over the mileage. I've declared an alarm/immobiliser that's not actually fitted etc - These actions on my part could render my insurance null & void. His own insurance cover however would ensure that he commited no offence, and in the event of him imnjuring someone in my car, cover still existed.

[Buddha]

With regard to the original question, my insurer - esure, will allow 2 weeks grace where you can have 2 cars on the one policy. There was no charge for me as the new car was considered a lower risk than the existing, and once I notified them of the sale of the first car a refund was swiftly sent.

(I actually hold esure in quite high regard, their claims process is very efficient - just wish they did 4x4 specialist cover.)

[sardonicus]

beware those of you insured with C.I.S.(co-op).!!
On renewing a policy on the jeep a few months ago I asked about being covered for other vehicles and was told that a fully comp policy no longer includes the provision of third party insurance when driving another persons car! Only in an emergency,as now stated on the ins.documents.
I told them I wasnt vey happy with this and would be looking for insurance elsewhere.But apparently other insurers will be changing this too.So now if i want to drive another vehicle i have to be a named driver!
Beware also if you have a 'special' policy for an unusual or modified veh.
I was insured for a large mercedes camper a few years ago(think it was flux)for about 2 years,and when i tried to get car insur.again i had no no claims disc.because i had a 'special'policy for more than ayear
 :x  :x  :x