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Insured or not insured…that is the question!

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Tommo:

--- Quote from: "Boggert" ---To my knowledge there is only one policy that will allow you to drive any car, even if it has no insurance and that it a trade policy and it should be accompanied with trade plates.
--- End quote ---


right, i got to about page 2 in this thread and it was going round in circles.

First rule is know what your talking about. I know pleanty of people with traders policys and believe me they would be very annoyed f you told them they had to put trade plates on their car everytime they drove it. Trade plates are for cars that arent registered or are not legal to drive on the road in some other way.

To my knowlege the 3rd party cover does not require thge other vehicle to be insured, otherwise it would say in the legal documentation, and it doesent. cant argue with that. you can say you rang up and the woman on the phone said whatever, but in court would you like to say that whatever you were doing was ok cos the woman on the phone said so? In the document it states you are covered 3rd party on vehicles not belonging to or hired to you. full stop. that is a legal contract which will stand up in court.

welshlaner:
try this site to check

www.askmid.com

Sooty:
To put another nettle in the flower bed BE WARNED if you let another driver drive your car on the grounds that his insurance covers him TPO and he is not insured to do this in the event of an incident your insurance is duty bound to pay the claim as they insure the vehicle under the road traffic act and you will loose your no claims bonus.
Also seeing the policy is not a guarantee that it is currant and I think that only the police have the authority to check so be sure you trust the person is telling the truth.
Therefore if it is Jo Public come to test drive the car you are playing with fire.
Having said that I do not know the answer to the problem other than insuring it yourself and you are still risking loosing your no claims bonus on all the policies you have as if you claim on one policy you are legally bound to declare it to all the other policies.
The bottom line is no matter what happens if you are stopped by the plod or try to help out a friend you will be the one that pays.

muddy4x4:
I`ve got a headache  :(mad):

barnhill4x4:
I agree that the vehicle does not have to be  insured. If it did it would say so on the policy. There is no clause number linked to the fine print. Regardless of what people say the police have said, what the insurance co's have said. If it is not written down on your paperwork then its bull!
 
  I have a trade policy so dont really care anyhow. BTW I do not need to use trade plates unless the car has no tax in the window. I can drive any vehicle upto a certain value, fully comp.

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