Chat & Social > The Bar - General Chat

Insured or not insured…that is the question!

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Yoshi:
Hence the other point i made which stated that when the vehicle was unattended on a public highway after it has been driven then it becomes illegal, but whilst in the care of the person with the third party covered it is legally insured to be driven.

So as i say again, if the person with this entitlement drove the vehicle directly from one private driveway to another private driveway, surely no law is being broken as there is adequate legal insurance on the vehicle in the form of third party insurance?  At no stage on that journey is the vehicle unattended so therefore insured on the total journey.

Obviously as has already been assertained on this one, the grass area the OP wishes to park his vehicle is public land so therefore would need insurance whilst unattended.  But for actual driving the DOC entitlement on some peoples insurance should be legally adequate.

L90OOK:
The third party insures you as a driver to drive the vehicle, not the vehicle to be on the road...that's how I understood it today when I spoke to NFU.  :lol:

If it worked the other way round then we'd just have to have one insurance to drive any roadworthy car...It works the same when you go to get your road tax.  You have to have an insurance policy that insures the car.  You can't get it using your insurance & telling them your the driver!

I've got a headache now  :(  ...time for some whisky   :D

Yoshi:
This is what i have been saying all along, once the test driver gets in the car then its insured, but its not insured and thus illegal while no-one is in it.

L90OOK:
But it's not the car that is insured whilst you are driving it under third party insurance...it's you.  i.e. you are insured but the car is not.  I know it seems petty, & a play on words, but the insurers will do anything to wriggle out of a claim...The insurers may/will ask for the owners insurance certificate in the case of a claim.

Yoshi:
No, they will ask for proof that the driver is insured, not the owner.  The third party insurance you get is only the same as the standard third party insurance you can take out on any vehicle.

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