Chat & Social > The Bar - General Chat
insurance question
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:
--- Quote from: "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.
--- End quote ---
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:
--- Quote from: "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!
--- End quote ---
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?
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