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The fight against uninsured vehicles

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zebidee:
Since most fully comp insurance provides 3rd party cover for all other vehicles driven how does this work now?

If the car's taxed legally but doesn't have insurance ... but the other car I own is fully comp then technically I'd be insured if I were to actually have an accident BUT according to what's been mentioned I'd be flagged up because the VEHICLE doesn't have insurance.

A mate of mine also got fully comp for any vehicle on his Clio's insurance - so that'd be the same too right?

Surely it should be a combination of the driver + vehicle - although that'd mean they'd actually have to do some legwork rather than just slap the owner with a fine automatically.

Landy1uk:
I thought that 3rd party bit was only if the car was not owned by the policy holder and you had to tell the insurance you were driving another car

if i'm wrong i'll be corrected

jay2578:

--- Quote from: zebidee on July 06, 2011, 13:42:00 ---Since most fully comp insurance provides 3rd party cover for all other vehicles driven how does this work now?

If the car's taxed legally but doesn't have insurance ... but the other car I own is fully comp then technically I'd be insured if I were to actually have an accident BUT according to what's been mentioned I'd be flagged up because the VEHICLE doesn't have insurance.

A mate of mine also got fully comp for any vehicle on his Clio's insurance - so that'd be the same too right?

Surely it should be a combination of the driver + vehicle - although that'd mean they'd actually have to do some legwork rather than just slap the owner with a fine automatically.

--- End quote ---

You can`t drive an uninsured motor YOU own on your other motors fully comp policy, only a vehicle belonging to someone else

crazymac:

--- Quote from: zebidee on July 06, 2011, 13:42:00 ---Since most fully comp insurance provides 3rd party cover for all other vehicles driven how does this work now?

If the car's taxed legally but doesn't have insurance ... but the other car I own is fully comp then technically I'd be insured if I were to actually have an accident BUT according to what's been mentioned I'd be flagged up because the VEHICLE doesn't have insurance.

A mate of mine also got fully comp for any vehicle on his Clio's insurance - so that'd be the same too right?

Surely it should be a combination of the driver + vehicle - although that'd mean they'd actually have to do some legwork rather than just slap the owner with a fine automatically.

--- End quote ---

Also the 3rd party cover on another vehicle NOT OWNED by you is only valid if the other car has a full insurance policy applicable to it.

Range Rover Blues:
That's right, under the road traffic act IIRC the car has to carry insewerance even if parked on the road to cover it's basic liability.  Your 3rd part cover ceases when you get out and lock it.

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