|
|
|
Apr 10, 2007 13:34:06 GMT
|
|
how do I..........borrow a mates car legally ?
My mate needs to borrow his mates 540 touring BMW from tomorrow untill next Tuesday.
But he doesnt have his own insurance policy (company car).
The owner is a motortrader, so he's insured not the cars he owns.
how can he drive the car legally ?
|
| |
71 Alfa GT 1300 Junior
89 Alfa 75 3.0 V6 Veloce
89 Alfa 75 3.0 V6 America
2015 C220 estate Daily shunter
|
|
|
|
|
|
|
Apr 10, 2007 13:34:56 GMT
|
|
|
| |
|
|
|
|
|
Apr 10, 2007 13:40:30 GMT
|
|
another one for the pot here if noone minds...
Is it poss for two people to have their own independent insurance on the same car? so like if one person has a crash it does not affect the other?
|
| |
 it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts  |
|
|
|
|
Apr 10, 2007 13:46:41 GMT
|
|
If he was on trade business (ie picking some parts up for the garage) then as long as theres a verbal contract between the trader and any tom dick or harry with a licence ("go and pick some parts up in that 540") then on a lot of trade policies thats fine, but check this particular one. Might be a bit tricky at night. Maybe he could be test driving it? Again, bit tricky at night but ok for the Sunday.
|
| |
|
|
|
|
|
Apr 10, 2007 13:47:32 GMT
|
Just want to say that i've used those guys a few times, no problems, and a tenner a day is pretty good going considering  |
| |
|
|
|
|
|
Apr 10, 2007 13:50:01 GMT
|
|
unfortunatly the 540 is a grp 18 car - so £20 per day
but I've told him about it
|
| |
71 Alfa GT 1300 Junior
89 Alfa 75 3.0 V6 Veloce
89 Alfa 75 3.0 V6 America
2015 C220 estate Daily shunter
|
|
|
|
|
Apr 10, 2007 13:51:22 GMT
|
Just want to say that i've used those guys a few times, no problems, and a tenner a day is pretty good going considering Iwrote of a rangey and a mini and they paid out straight away! |
| |
|
|
|
|
|
Apr 10, 2007 13:53:18 GMT
|
|
I've used dayinsure a few times. Dead easy. Never had to claim though...
|
| |
|
|
|
|
|
Apr 10, 2007 14:06:13 GMT
|
poo you cant tax a car with them though  that started to look perfect for my little adventure in my 924 only need insurance for like 5 days, 1 for mot, 4 for germany than probably sell!!! Nice linky good idea! |
| |
|
|
|
|
|
Apr 10, 2007 14:34:41 GMT
|
Iwrote of a rangey and a mini and they paid out straight away! Family or not, you're never driving one of my cars ;D |
| |
The lurker formerly known as Cappuccinocruiser.. or wedgedout..
|
|
|
|
|
|
|
Apr 10, 2007 14:35:39 GMT
|
cheers for that. Michael is now £80 poorer. |
| |
71 Alfa GT 1300 Junior
89 Alfa 75 3.0 V6 Veloce
89 Alfa 75 3.0 V6 America
2015 C220 estate Daily shunter
|
|
|
|
|
Apr 10, 2007 15:08:29 GMT
|
Is it poss for two people to have their own independent insurance on the same car? so like if one person has a crash it does not affect the other? No. Its actually illegal and considered fraud. Goes back to maritime days when half a dozen people would insure the same ship, sail it out to the cornish coast and drive it onto the rocks. If there is more than one insurance policy on the same vehicle they are BOTH VOID. Read the small print, its in there... |
| |
1937 Austin Street Rod - 1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1976 Rover V8 - 1994 Ford Fiesta
|
|
|
|
|
Apr 10, 2007 15:10:59 GMT
|
Thanks AK, interesting. Maybe i could/should consider business policy, or going on each others insurance year by year....  |
| |
it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts |
|
dimebar
Part of things
CHPD its ace!!!
Posts: 291
|
|
Apr 10, 2007 17:19:03 GMT
|
poo you cant tax a car with them though that started to look perfect for my little adventure in my 924 only need insurance for like 5 days, 1 for mot, 4 for germany than probably sell!!! Nice linky good idea! You could always use the old 14 Day Cooling Off Period Trick ;D |
| |
|
|
|
|
|
Apr 10, 2007 19:47:54 GMT
|
|
whats that then dimebar? sounds interesting!
|
| |
|
|
|
|
|
Apr 10, 2007 20:55:24 GMT
|
You could always use the old 14 Day Cooling Off Period Trick ;D Does that apply to insurance? I know in theory it covers 'distance selling', so any goods or service you've bought unseen you can return within 14 days. HOWEVER I feel they'll argue that you've 'used' the service and hence have benefited for the 14 days, and they can charge you for the 14 days of service used. Note also most insurers don't use a linear scale of payments, 14 days insurance is not charged at 14/356ths of the total year policy price, it could be up to 30% of the total. I once cancelled insurance with Elephant after 6 months and got diddly squat back. As another example, if you buy a mobile phone from a telesales or online retailer, depending on network they won't accept it back under the distance selling regulations unless you prove it's either faulty, not fit for purpose or was wrongly sold to you. It's for the same reasons, you've had 14 days use of the service whether you chose to use it or not. |
| |
Never trust a man
Who names himself Trevor.
Or one day you might find
He's not a real drug dealer.
|
|
that started to look perfect for my little adventure in my 924 only need insurance for like 5 days, 1 for mot, 4 for germany than probably sell!!!
