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Author: Subject: The "insured to drive other vehicles" trap....
pewe

posted on 10/11/09 at 03:15 PM Reply With Quote
The "insured to drive other vehicles" trap....

My insurance has always included this provision (albeit third party only) so I've assumed that covers me to drive any vehicle providing it has a current tax disc and MOT - wrong.
On PCA the other night matey was done for driving without insurance in a vehicle on which there was no current insurance policy despite him having his own policy with said provision.
You live and learn!
Cheers, Pewe

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mookaloid

posted on 10/11/09 at 03:16 PM Reply With Quote
I don't understand - how is that possible?





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Danozeman

posted on 10/11/09 at 03:17 PM Reply With Quote
My cert says the vehicle must have insurance on it aswell.





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londonsean69

posted on 10/11/09 at 03:19 PM Reply With Quote
Mine says something along the lines of "Any other insured vehicle"

Sean

[Edited on 10/11/09 by londonsean69]

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pewe

posted on 10/11/09 at 03:20 PM Reply With Quote
Yea seemed odd to me and I don't really know but suspect that the tax is only valid when there's a current insurance policy in effect specifically relating to the car.
Must have broken the law a few times then!
Cheers, Pewe
PS I'm sure the wording's there somewhere on my policies but haven't come across it in all the years I've driven.

[Edited on 10/11/09 by pewe]

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owelly

posted on 10/11/09 at 03:22 PM Reply With Quote
The 'other vehicle' must also be insured. Usually this means the VRM will be on the MID database (check on ASKMID.com) but fleet cars often don't get on the database but have the insurance details in the car.





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dan__wright

posted on 10/11/09 at 03:26 PM Reply With Quote
yep its normally only covers other vehicles if they have an existing insurance policy

[Edited on 10/11/09 by dan__wright]





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MakeEverything

posted on 10/11/09 at 03:29 PM Reply With Quote
quote:
Originally posted by owelly
but have the insurance details in the car.


Not always. Ive worked for firms that hold the certificate centrally, which is available on request.





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zilspeed

posted on 10/11/09 at 03:43 PM Reply With Quote
It's something I had occasion to check quite recently.
This clause almost caught me out so I had to ask the registered keeper to keep their policy going on the car for an additional month to ensure I was covered in turn.

It's swiftcover I'm with.






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02GF74

posted on 10/11/09 at 03:43 PM Reply With Quote
on a similar topic, let's say you drive your mate's car or a car you wanna buy (call it car A) and prang it, say by driving into another car (call it car B)

your third party cover will pay for damage to which car(s)?

if the owner of car A was only 3rd party cover, who will pay for the damage to his/her car?






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designer

posted on 10/11/09 at 03:52 PM Reply With Quote
The 'other' acr you drive must be insured also. Otherwise we would all be having two cars!
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alistairolsen

posted on 10/11/09 at 04:01 PM Reply With Quote
normal clause is that it must be insured and not owned by you.

The reason for it being insured so far as I am aware is so that the vehicle itself complies with the road traffic act.

In the case you describe, your third part cover would cover car B only, no one will pay for the car you were driving. My mates and I work on the theory of you bend it, you mend it and I wont let people test drive cars on third party.





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Findlay234

posted on 10/11/09 at 04:05 PM Reply With Quote
You can drive another persons "insured" car under your insurance with their permission and only on TPF&T. You cannot put it onto your insurance because you cannot insure a car twice. Now if its a car youve just bought and you plan to drive it home then you must put the car onto your insurance (even if its just for the day) and not drive it under the assumption that its insured by the 'other car' part of your own insurance.

To answer 02GF74, if you are driving a car under the 'other car' part of your insurance and its TPF&T then the car you are driving is not insured. Only the car you prang into. The owners insurance doesnt matter, you would have been driving under a third party part of your insurance and therefore only the car you went into would be repaired under it. You would then have to buy your mate a car or hope he was really really understanding.

I was going to borrow a mates car because it had a tow bar and went through all of this and decided it wasnt really worth it. If i had an accident id end up owing him the cost of repairs or cost of the car.

I think this ruling is in place so you think twice about driving your mates super fast super expensive car on your banger's insurance.

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adithorp

posted on 10/11/09 at 04:14 PM Reply With Quote
Finlay, I think it's "third party only" cover you get. In the case of a fire or theft, that'd be covered by the owneres insurance.

02GF74, Your mates car (A) would be paid for by you or he wouldn't be your mate any longer.

Fleet insurance covered cars should be registered on the MID list within 14days of being aquired by the fleet. Fleet managers have an access account to list them and there's fines if you don't.





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stevebubs

posted on 10/11/09 at 04:22 PM Reply With Quote
quote:
Originally posted by adithorp
Finlay, I think it's "third party only" cover you get. In the case of a fire or theft, that'd be covered by the owneres insurance.



Hmmm...I've heard rumours of firms refusing to pay out on theft because the last person to drive the car wasn't named on the insurance...don't know how much is myth, though

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britishtrident

posted on 10/11/09 at 06:28 PM Reply With Quote
quote:
Originally posted by stevebubs
quote:
Originally posted by adithorp
Finlay, I think it's "third party only" cover you get. In the case of a fire or theft, that'd be covered by the owneres insurance.



Hmmm...I've heard rumours of firms refusing to pay out on theft because the last person to drive the car wasn't named on the insurance...don't know how much is myth, though


Not a myth they tried to pull it on my cousins bother in law a few years, the insurance backed down in the end because the person who was driving the car had picked it up from "a place of repair" which gave the lawyer something to work with.

Insurance companies are closing down every condition that cost them money, the penalty we pay for the money we save in the highly competitive the market -- I know we only pay about 36% of what our insurance cost a few years back and the risk hasn't change much.

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eznfrank

posted on 10/11/09 at 06:42 PM Reply With Quote
it didn't always used to be the case that the car you are driving had to be independently insured to allow your driving other cars cover to take effect, but in recent years it has been changed so that if a car is impounded by the police say for driving with no insurance then it can only be collected once it has been insured. Too many scrotes were getting their mates to pick cars up for them using their doc cover.
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britishtrident

posted on 10/11/09 at 07:41 PM Reply With Quote
I was watching one of those traffic cop type TV programs the other morning ( I can't remember which) and found myself getting quite angry the law is if you drive without insurance you get your car impounded and possibly crushed --- right and proper BUT what got me going was one traffic cop actually very obviously much enjoyed doing it.

The other thing that is worrying is the subcontractors who remove the vehicles from the road are obviously making a lot of money out of it.

[Edited on 10/11/09 by britishtrident]





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madteg

posted on 10/11/09 at 08:14 PM Reply With Quote
the other does not need to be insured as i had a accident in my frends car and my insurance paid out for third party. It states on my insurance. The policy holder is also able to drive other peoples car not belonging to him or herself or hired to him or her on a hire perchase agreement.
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Theshed

posted on 10/11/09 at 09:10 PM Reply With Quote
Most of the posts above are wrong. Cars are never "insured" drivers and policy holders are. The law requires a driver to have insurance. The terms of an insurance policy might have a clause restricting insurance to vehicles covered by some other policy or it might not. I have had insurance for 30 years and have always been insured to drive any car not owned or hired by me. In other words.....read the policy/certificate. If you are covered by a certificate then there the matter ends.

If we all stop watching the crappy "reality" police shows then...in time...they will all go away and thank god for that!!!!

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MikeRJ

posted on 10/11/09 at 10:50 PM Reply With Quote
quote:
Originally posted by owelly
The 'other vehicle' must also be insured.


It's purely down to the requirements of your policy. Some require it, some don't.

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JoelP

posted on 10/11/09 at 10:58 PM Reply With Quote
quote:
Originally posted by MikeRJ
quote:
Originally posted by owelly
The 'other vehicle' must also be insured.


It's purely down to the requirements of your policy. Some require it, some don't.


all that ive seen require it. Usually in the small print, not on the certificate.






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Theshed

posted on 11/11/09 at 09:33 AM Reply With Quote
I think a few posters have completely misunderstood their insurance policies. S143 of the RTA 1988 requires a DRIVER to have a minimum level of insurance to cover third parties. Comprehensive, fire and theft cover is not require. In other words the car does not need to be insured the driver does.

A certificate of insurance usually refers to a particular car but does not have to. Motor traders often hold such policies so do large companies.

Every insurance policy I have ever taken out permits me to drive any other vehicle provided I do not own it or have not hired it. That restriction is clearly to avoid me insuring a mini and driving a lamboughini. What has never been required is that the other vehicle is insured. I have just read 3 old policies and none of them have this requirement. Whilst I accept that such a requirement is a theoretical possibility I have never seen it.

I suspect that people are confused by the fact that most policies say that they will not pay out if there is another policy in force. In other words if any other insurance company is on the hook you cannot look to them to pay. That would not fail to satisfy section 143 because the driver would be insured. (I hope that makes sense).

Whilst I accept that it is a theoretical possibility that a policy of insurance would say you will be covered against claims by third parties only if the car you are driving is the subject of a policy of insurance (of some description) it seems to me highly unlikely that an insurer would say we will cover you on the condition that you are covered by another policy (and therefore we would at worst only have to meet half of a claim).

It may be that my own policies are favourable because I am an old git. Insisting that the other vehicle was insured by the actual owner would stop you asking your mate to put the Lambo in his name for you to "borrow" I suppose.

There is no substitute for reading the policy BUT the production of a certificate is sufficient to see off any policeman.

The simple answer if you are unsure is to call your insurance company.

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greggors84

posted on 11/11/09 at 01:43 PM Reply With Quote
So what I should do it get my mate to drive my Lamborghini and ill drive his. As we have both insured our minis we'll save ourselves a fourtune! Ok it will only be 3rd party but those italian supercars are cheap to repair right?...

[Edited on 11/11/2009 by greggors84]





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