Chat & Social > The Bar - General Chat

insurance question

<< < (5/6) > >>

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:

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


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  :wink:

I just bought a 'new' (to me  :wink: ) 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.

Navigation

[0] Message Index

[#] Next page

[*] Previous page