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Wanted: someone to drive my truck, Leics.
Benzine - 1/9/15 at 09:46 PM

I have a Bedford TK. I want to sell it, but want to get it MOT tested first to get more interest etc. It's a 15 mile round trip. I don't want to have to take out a full policy if I'm just going to sell it, so I approached a local truck mechanic in the village. He said he'd drive it to the test and back, fantastic! But he kept putting it back, forgetting, and now seems to have vanished into the ether. No temp/single day cover companies will cover me as it's over 3 litres. Does anyone know anyone in the Leicester/Notts/Melton Mowbray/Grantham area that could do this for me? Or alternatively, where to look for a driver?

[Edited on 1-9-2015 by Benzine]

HowardB - 2/9/15 at 06:09 AM

can you ask the MOT garage to collect on trade plates,. they may charge, but then the as I understand it the vehicle will be driven under their cover etc,...

hth

907 - 2/9/15 at 06:20 AM

I could well be wrong, but as I understand insurance, you can drive a vehicle not belonging to you (3rd party cover)
but it still has to be insured by the owner.


Paul G

adithorp - 2/9/15 at 06:42 AM

quote:
Originally posted by 907
I could well be wrong, but as I understand insurance, you can drive a vehicle not belonging to you (3rd party cover)
but it still has to be insured by the owner.


Paul G


It depends on the cover they have. Not all policies give that anymore.

Ben_Copeland - 2/9/15 at 06:46 AM

It would only be trade policy. Normal insurance wouldn't cover with 3rd party because it's not already insured.

Best ask the mot station or find someone with trade plates

geoff shep - 2/9/15 at 08:57 AM

For that 'driving another vehicle with the owner's consent', the other vehicle does not have to be insured.

The usual restrictions are that the other vehicle cannot be owned by you (or your partner) or on a hire purchase agreement, and it is normally only 3rd party cover. Some policies extend it to the full cover you have on your own vehicle, some do not allow it at all.

Brian R - 2/9/15 at 09:36 AM

Be careful with the wording on your policy regarding driving other vehicles. Mine says I can drive other 'cars' with the owners consent.

I wanted to use a mates Transit a while back to move some furniture so phoned my insurers to check for cover. It turned out I wouldn't have been due to the Transit being a commercial vehicle and not a car.

Other insurance companies may be different. My policy is through M&S.

geoff shep - 2/9/15 at 11:12 AM

The anomaly, I suppose, is that (other than the specific trip to the MOT mentioned by the OP) the other vehicle would have to be road-taxed to be driven on the road. For it to be taxed, it would have to be insured.

[Edited on 2/9/15 by geoff shep]

Ben_Copeland - 2/9/15 at 11:41 AM

Doesn't need tax for mot. But does need insurance otherwise it'll get pulled by the police

geoff shep - 2/9/15 at 12:33 PM

Like I said

quote:

(other than the specific trip to the MOT mentioned by the OP)

ianhurley20 - 2/9/15 at 02:13 PM

quote
For that 'driving another vehicle with the owner's consent', the other vehicle does not have to be insured.


I think you will find that used to be correct but is not the case any longer. The vehicle being driven by you must already have an insurance policy covering it
and
It cannot be a commercial vehicle if your insurance is a normal car type insurance.

Best solution - get the test center to fetch it on trade plates, they will be covered

computid - 2/9/15 at 03:01 PM

quote:
Originally posted by ianhurley20
Best solution - get the test center to fetch it on trade plates, they will be covered


This is assuming that the tester has a Motor trade insurance policy covering this type of vehicle. Trade plates only provide tax and are absolutely nothing to do with insurance.

geoff shep - 2/9/15 at 04:09 PM

Has anyone actually checked their policy? This is what mine says - no mention of it being insured elsewhere.

We will insure the vehicle policyholder while driving any other car* within the territorial limits providing:
the car* does not belong to that person or is not hired to that person under a hire purchase agreement.
the vehicle policyholder is driving the car* with the owner’s express consent.
the vehicle policyholder still has your vehicle and it has not been damaged beyond cost effective repair.
the vehicle policyholder is aged 25 or above at inception or renewal of this policy.
the certificate of motor insurance indicates that the vehicle policyholder can drive such a car*.
Driving other cars cover is not available for named drivers, firms or principal policyholders where they are not also named as a main user of your vehicle (e.g. a vehicle policyholder).
Important Note: The cover provided whilst you are driving any other car* is for Third Party only.

owelly - 2/9/15 at 04:27 PM

What's the '*' relate to? On my policy it refers to a paragraph which includes "providing the vehicle complies with current law and has a current policy".

dhutch - 2/9/15 at 04:43 PM

Cant help, but cracking truck!

morcus - 2/9/15 at 05:05 PM

This is borderline but you could buy a year insurance then cancel it a few days later, normally in these circumstances you'll just be charged for the days you used (Unless you provide proof you insured with someone else or sold it, then they'll do it to that date).

Its dodgy to do on purpose though, I had to do it when I swapped cars 3 days after renewal due to changing car. your best bet though is to find an MOT guy who can collect it.

Benzine - 2/9/15 at 07:46 PM

Thanks for all the input everyone. I think I'll try the garage again (last time I tried a couple of weeks back and they were too busy)

I can't take out a full insurance policy as my name isn't on the V5 (it's complicated) It seems to be very difficult to insure a 5 litre self-converted motor home. Most specialist insurers say 'no' when I tell them the engine capacity. It only has 98bhp but that doesn't matter to them