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insurance question

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waveydavey:

--- Quote from: "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 ---

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


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:

--- Quote from: "waveydavey" ---
--- Quote from: "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 ---

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


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.
--- End quote ---


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  :cry:  :cry:  :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:

--- Quote from: "BadgersRover" ---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.
--- End quote ---


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.

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