would i be insured on this?

Guru · 9 Mar 2009 at 15:00

we have just bought the mother inlaw a new car which she is not yet insured on. am I insured to drive it because my policy allows me to drive other cars?

Cheers,

G

Janesy B · 9 Mar 2009 at 15:01

Most companies stipulate that the car you are driving has to have some form of insurance on it to start off with. Best to check with your company TBH.

Cuchulain · 9 Mar 2009 at 15:01

I think the other car has to be insured, irrespective of your policy.

Gaygle · 9 Mar 2009 at 15:03

I thought that the only parameters were that you are not the owner of the car and you have permission from the owner of the car to drive it.

But as Janesy says, it's always best to check with your insurance company to begin with. A quick 5 min call could potentially save you a world of hassle.

Guru · 9 Mar 2009 at 16:12

thanks for the advice

phoned the insurance company and they said I am covered

RickST · 9 Mar 2009 at 17:52

im quite suprised, i thought the other car always had to be insured... learn somthing new everyday

SB118 · 9 Mar 2009 at 17:53

Cuchulain said:
I think the other car has to be insured, irrespective of your policy.

RickSri said:
im quite suprised, i thought the other car always had to be insured... learn somthing new everyday

It's pot luck of the company you're with, best to ring your policy provider.

Skeeter · 9 Mar 2009 at 18:21

Its not (as far as im aware) a legal requirement for a car to be insured for it to be driven. The driver driving must be insured to drive it however, which is covered by DoC policies, but as said, its down to the insurance company. This differs from road tax, which must be valid on any car that is on any public road, regardless of inurance.

dale1uk · 9 Mar 2009 at 18:52

Not 100% positive but fairly sure that the car will only be insured whilst you're actually driving it. Once parked up at your destination it'll not be covered, so if it's hit or stolen your screwed.

djbenjo · 9 Mar 2009 at 19:25

This also brings an issue up with ANPR equipped police vehicles. If you are pulled over and cannot prove at the roadside that you have valid insurance for the vehicle, I would imagine that the car would then be impounded. You could then obviously produce your documents at your convenience and not be charged with anything, but you would still end up paying for the removal and storage of the vehicle, which is bloody expensive. Anyone heard of this actually happen?

SB118 · 9 Mar 2009 at 19:28

The police have access to the insurance database, they could confirm your policy at the roadside.

Defcon5 · 9 Mar 2009 at 19:48

djbenjo said:
This also brings an issue up with ANPR equipped police vehicles. If you are pulled over and cannot prove at the roadside that you have valid insurance for the vehicle, I would imagine that the car would then be impounded.

You can run his other car through and get the ins details off that, which would say he has DOC

Skeeter · 9 Mar 2009 at 19:56

SB118 said:
The police have access to the insurance database, they could confirm your policy at the roadside.

This.

Its no different to being stopped for any other offence as they would have to check if you are legally insured to drive the car, wether that be your name on the policy for the car, or DoC on your own policy.

Elwood · 9 Mar 2009 at 20:12

I would ring them again, I'm fairly sure that the car has to have it's own insurance in force.
Are you sure you made in plain to them that the car does not have insurance (not doubting your intelligence, more the other person on the phone!!!)

ste_bla · 9 Mar 2009 at 20:15

Elwood said:
I would ring them again, I'm fairly sure that the car has to have it's own insurance in force.
Are you sure you made in plain to them that the car does not have insurance (not doubting your intelligence, more the other person on the phone!!!)

Im fairly sure your wrong (infact 99% sure) last 3 policies with different companies allowed the main driver DOC cover with no mention of pre existing insurance on the car

Lopéz · 9 Mar 2009 at 20:18

Elwood said:
I would ring them again, I'm fairly sure that the car has to have it's own insurance in force.
Are you sure you made in plain to them that the car does not have insurance (not doubting your intelligence, more the other person on the phone!!!)

I'm fairly sure it doesn't, at least with my own insurer that's certainly the case.

Defcon5 · 9 Mar 2009 at 20:22

Elwood said:
I would ring them again, I'm fairly sure that the car has to have it's own insurance in force.
Are you sure you made in plain to them that the car does not have insurance (not doubting your intelligence, more the other person on the phone!!!)

Depends entirely on the wording on the policy

PMKeates · 9 Mar 2009 at 20:24

As always it's different for different policies.

I could set up an insurance company tomorrow and stipulate that DOC cover is only valid if your name is Ted, and you're eating a french fancy at the time of any incidents.

InvaderGIR · 9 Mar 2009 at 20:30

PMKeates said:
I could set up an insurance company tomorrow and stipulate that DOC cover is only valid if your name is Ted, and you're eating a french fancy at the time of any incidents.

I'm not sure you'd get much business.

Elwood · 9 Mar 2009 at 20:32

Now if it was Jammy Dodgers, then you'd make a packet