taurus
Posted a lot
Posts: 1,084
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Aug 20, 2017 19:38:07 GMT
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Silly Sunday evening question - because I can't ring the insurance people until they open tomorrow....
Our daughter is getting married in a couple of weeks so finances are a bit tight. Her fiance's car has just failed the MOT and it's not really worth repairing, so he needs a car for work. I have a spare car with MOT & tax until October which would see him through while he gets things sorted.
The question is about insurance:
Either I add him to my policy (probably the more expensive way to do it)
or - can he simply contact his insurers and get them to cover it?
I've never tried to insure a car I didn't own myself - is that likely to cause any kind of problem?
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Aug 20, 2017 19:54:07 GMT
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IME insurers usually want the registered keeper to be the main insurer, but they never checked when I lent a car to my son a while ago.
'Oh you need the logbook? that reminds me, I havent received it back from DVLA yet' and get it in the post quick.
Main driver should be the policyholder anyway, otherwise they start shouting 'FRAUD'
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Aug 20, 2017 20:06:19 GMT
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I had to drive a relatives car for a few weeks recently . I was covered by there fully comp i think or my fully comp , either way if you have permission from the owner.
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Aug 20, 2017 20:13:29 GMT
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I had to drive a relatives car for a few weeks recently . I was covered by there fully comp i think or my fully comp , either way if you have permission from the owner. Be careful on that one. I noticed on my last Fully Comp UK policy, the automatic third party coverage (with the owners permission) that always applied had disappeared. Double check the policies. |
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Aug 20, 2017 21:19:03 GMT
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I had to drive a relatives car for a few weeks recently . I was covered by there fully comp i think or my fully comp , either way if you have permission from the owner. Be careful on that one. I noticed on my last Fully Comp UK policy, the automatic third party coverage (with the owners permission) that always applied had disappeared. Double check the policies. Always check, as you say a FC policy may not cover you to drive other cars a lot of insurers stop allowing that a few years ago. Also loaning a car to a non family member will need checking if he is using it long term for commuting as they may see it as he being the main driver. |
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rude
Part of things
Posts: 537
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Aug 20, 2017 21:27:29 GMT
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Does the fiancee know she's getting married? Don't lend it. I lent my old man a car once... Never got it back as he had tried to stick a ditch and an oak tree through it. Read the small print, commuting is a different beast to sdp. Sdp for my 3.5l bm is 230 quid, commuting for my 1.8l bm is 450 quid, and I had to fight for that! ( I can drive the 4.0l disco gratis as a named on the missis' policy).
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1986 Haunted BMW E24 635CSi
1999 Povo spec BMW E36 1.8i Touring Work Hack
2001 Petrol annihilating Discovery V8
2000 Jaguar S Type 3.0 V6 ~NEW~
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Aug 20, 2017 22:03:31 GMT
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Be careful on that one. I noticed on my last Fully Comp UK policy, the automatic third party coverage (with the owners permission) that always applied had disappeared. Double check the policies. Always check, as you say a FC policy may not cover you to drive other cars a lot of insurers stop allowing that a few years ago. Also loaning a car to a non family member will need checking if he is using it long term for commuting as they may see it as he being the main driver. I called and checked i was insured , after all the other carp i was not covered for after the accident which neccestated using brothers missus car. Everything that used to be included in a policy is now extra which i somehow did not have . Courtesy car , legal cover etc not included so watch the small print |
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taurus
Posted a lot
Posts: 1,084
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Thanks for the comments. It's a car that owes me nothing so I'm quite happy to see it put to use if it helps him out.
I'd forgotten about his insurance covering him 3rd party, I'll ask him. So long as he's covered 3rd party I'm not worried about the car. If I wrecked it myself I wouldn't even bother claiming - not worth it.
The alternative is I just give it to him anyway and he insures it.
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rude
Part of things
Posts: 537
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Probably best to sign it over then there's no aggro when a ticket comes through the door.
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1986 Haunted BMW E24 635CSi
1999 Povo spec BMW E36 1.8i Touring Work Hack
2001 Petrol annihilating Discovery V8
2000 Jaguar S Type 3.0 V6 ~NEW~
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Aug 21, 2017 10:02:54 GMT
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Hi, Is it? A) we haven't seen the car. B) He's got to shell out on road tax, (because it can't be transferred).  Colin |
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fad
Posted a lot
Posts: 1,781
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Aug 21, 2017 10:03:34 GMT
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If it means nothing to you, give it to him with the condition that he pays the favour forward - in that when someone he can help needs it, he helps. If they (the people he helps) then/pay it forward and helps others, the world gets better one favour at at a time.
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Last Edit: Aug 21, 2017 10:04:47 GMT by fad
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squonk
Part of things
Posts: 864
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Aug 21, 2017 15:26:27 GMT
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Just a general comment regarding driving another persons car on your insurance using the 'any vehicle not owned by the insured' clause.
A couple of years ago I had to collect a vehicle for my father. My insurance stated that I was covered to drive any vehicle not owned by me but I thought that I would confirm this with my insurers anyway.
Apparently the insurance covers the driver (me) only when inside the car. Once I stepped outside the car the owners policy covers the vehicle. Fine if there is already the owners insurance on the vehicle but if it is not insured, as soon as you step out of the vehicle it is completely uninsured. If this were to happen on the public highway the vehicle would be liable to seizure and the owner liable to prosecution for having an uninsured vehicle on the highway. Be warned.
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2004 Chevrolet Avalanche Z71
2005 Mercedes CLK320 Cabriolet
1996 Mercedes C180 Elegance Auto Saloon
1996 Rover 620Ti (Dead fuel pump)
1992 Toyota HiLux Surf
1987 Range Rover Vogue (Rusty)
1992 Range Rover Vogue SE (More Rusty)
2006 Chrysler Grand Voyager
2008 Corsa 1.4 Design
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taurus
Posted a lot
Posts: 1,084
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Aug 21, 2017 17:06:51 GMT
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Just a general comment regarding driving another persons car on your insurance using the 'any vehicle not owned by the insured' clause. A couple of years ago I had to collect a vehicle for my father. My insurance stated that I was covered to drive any vehicle not owned by me but I thought that I would confirm this with my insurers anyway. Apparently the insurance covers the driver (me) only when inside the car. Once I stepped outside the car the owners policy covers the vehicle. Fine if there is already the owners insurance on the vehicle but if it is not insured, as soon as you step out of the vehicle it is completely uninsured. If this were to happen on the public highway the vehicle would be liable to seizure and the owner liable to prosecution for having an uninsured vehicle on the highway. Be warned. The policies I've seen that allow you to drive other cars not owned by you say that you're covered 3rd party only so long as the car has valid insurance in place, so if the car wasn't insured you can't use your own insurance to drive it. I found that out when trying to help an elderly neighbour - her son who lives away thought he was being helpful by cancelling her insurance, which then meant I couldn't drive it to the MOT place for her on my insurance. It's got tax/MOT/insurance until October so it's just a case of tiding him over whilst they get married and he has time to replace his own car. If it passes the MOT in Oct and he wants it he can have it. It doesn't owe me anything. |
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squonk
Part of things
Posts: 864
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Aug 21, 2017 17:56:59 GMT
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Yes, previously my insurance policies had stated that. However, for about the last five years they have not, hence my wish for confirmation from the horses mouth.
Just be careful is all I'm advocating - far better to do so than have to pay recovery, storage and release fees and then get a massive loading on your insurance for having a conviction for driving without inurance.
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2004 Chevrolet Avalanche Z71
2005 Mercedes CLK320 Cabriolet
1996 Mercedes C180 Elegance Auto Saloon
1996 Rover 620Ti (Dead fuel pump)
1992 Toyota HiLux Surf
1987 Range Rover Vogue (Rusty)
1992 Range Rover Vogue SE (More Rusty)
2006 Chrysler Grand Voyager
2008 Corsa 1.4 Design
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Aug 21, 2017 18:17:20 GMT
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I had to borrow my grandads car earlier this year, I knew it was going to be for a month or 3 and wasn't comfortable using my "may drive other cars" as in the eyes of the law I would be the main driver for a while. It cost nothing at all to add me to his policy as a frequent user.
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Aug 21, 2017 19:45:21 GMT
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Just a general comment regarding driving another persons car on your insurance using the 'any vehicle not owned by the insured' clause. A couple of years ago I had to collect a vehicle for my father. My insurance stated that I was covered to drive any vehicle not owned by me but I thought that I would confirm this with my insurers anyway. Apparently the insurance covers the driver (me) only when inside the car. Once I stepped outside the car the owners policy covers the vehicle. Fine if there is already the owners insurance on the vehicle but if it is not insured, as soon as you step out of the vehicle it is completely uninsured. If this were to happen on the public highway the vehicle would be liable to seizure and the owner liable to prosecution for having an uninsured vehicle on the highway. Be warned. Would be seized anyway even if you were driving. Car must be insured to be used by a third party using their insurance to drive any vehicle. |
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Toyota HiAce Super Custom Ltd (My thing)
Isuzu Trooper (her thing)
Audi a4 1999 (boys thing)
Toyota Yaris
Caravan - (festi thing)
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squonk
Part of things
Posts: 864
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Aug 21, 2017 20:55:35 GMT
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Just a general comment regarding driving another persons car on your insurance using the 'any vehicle not owned by the insured' clause. A couple of years ago I had to collect a vehicle for my father. My insurance stated that I was covered to drive any vehicle not owned by me but I thought that I would confirm this with my insurers anyway. Apparently the insurance covers the driver (me) only when inside the car. Once I stepped outside the car the owners policy covers the vehicle. Fine if there is already the owners insurance on the vehicle but if it is not insured, as soon as you step out of the vehicle it is completely uninsured. If this were to happen on the public highway the vehicle would be liable to seizure and the owner liable to prosecution for having an uninsured vehicle on the highway. Be warned. Would be seized anyway even if you were driving. Car must be insured to be used by a third party using their insurance to drive any vehicle. Try reading my post properly. What I have related above I made sure I had in writing before collecting the car. So if the statement is on insurance company headed paper and referencing my policy number I think its safe to say that I was covered all the time I was in the vehicle as stated by the insurer. Oh, yes, and in the more recent past I have picked up an 'uninsured by the owner' car from a police impound yard based soley on the fact that my insurance covered me on any vehicle not owned by me. I cannot believe they would let me do that if it were not valid. The key is to CHECK WITH YOUR INSURER AND GET THE ANSWER IN WRITING. Do not believe keyboard warriours that think they have all the answers - unless they actually work for your insurer they do not!!! |
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Last Edit: Aug 21, 2017 21:02:55 GMT by squonk
2004 Chevrolet Avalanche Z71
2005 Mercedes CLK320 Cabriolet
1996 Mercedes C180 Elegance Auto Saloon
1996 Rover 620Ti (Dead fuel pump)
1992 Toyota HiLux Surf
1987 Range Rover Vogue (Rusty)
1992 Range Rover Vogue SE (More Rusty)
2006 Chrysler Grand Voyager
2008 Corsa 1.4 Design
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Aug 21, 2017 20:58:49 GMT
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Sorry missed your point? We seize loads of motors driven by people who think they can drive any unisured car on their own "any car not belonging to them"
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Last Edit: Aug 21, 2017 21:01:26 GMT by bigman1207
Toyota HiAce Super Custom Ltd (My thing)
Isuzu Trooper (her thing)
Audi a4 1999 (boys thing)
Toyota Yaris
Caravan - (festi thing)
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Aug 21, 2017 21:06:05 GMT
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Used to be a bit of a grey area a good few years ago but not anymore. Insurance companies are more than aware as are all RPU officers but not all patrol offices
Also not sure about police impound yards as most forces don't have them anymore.
Can't see what getting insurance to write it down as no insurance is absolute offence. Does not matter what they or you believe.
As for keyboard warriors lol its not the insurance company you need to listen to 😂
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Last Edit: Aug 21, 2017 21:09:59 GMT by bigman1207
Toyota HiAce Super Custom Ltd (My thing)
Isuzu Trooper (her thing)
Audi a4 1999 (boys thing)
Toyota Yaris
Caravan - (festi thing)
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