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if you have fully comp insurance (like me!!) then you are 3rd party on another car. Rob
Quote from: "TDi90"if you have fully comp insurance (like me!!) then you are 3rd party on another car. RobOnly if that other car is insured, MOT'd, Tax'd, not owned/registered to you & you have written permission to drive it.Check with your insurance company first!! :D
The vehicle has to have its own insurance policy... The reason I say that is because as soon as you get out of the car, Its an uninsured vehicle on a public highway. Every vehicle on the public highway must have its own insurance or be covered company policy.If you park your car badly and cause an accident and you are deemed at fault, then there is no policy covering it. You cannot go, oh well my other policy will cover it. Insurance companies are on the ball and the claim won't go anywhere. If you are issued an HORT1 (or Producer) by the local plod, you will have to produce a valid insurance document for that car, as well as you own document proving you can drive it 3rd party. The other reason is the insurance companies are hot on this is they had a problem with the boy racers buying an old metro and insuring it, then going out and buying a Toyota Celica and driving it 3 rd party on the other car policy. Nice scam...I think Insurance companies should make this clear as not everyone knows this. I wasn't sure until I spoke to a Traffic sergeant and he explained the rules to me.If this was the case I guess we would only have 1 insurance policy, and save a fortune.
AFAIK that loophole was closed in the UK thanks to certain people taking a massive advantage of it....
As explained above, the vehicle you are driving whilst covered by your own policy under 3rd party risks does NOT have to be insured.
Quote from: "smo"As explained above, the vehicle you are driving whilst covered by your own policy under 3rd party risks does NOT have to be insured.YES IT DOES ](*,)
If you need cover for just a few days there are plenty of companies offering cover on a dailly basis. I used one for taking my Landy for an MOT, it was about £12 for a days cover.