Can I drive my second car without insurance?

Question

Hi,
I bought a second car, the insurance on my first car allows me to drive any other vehicle with the owner's permission. Is it illegal to not insure my second car?

Answer 1

If you want to register your car and drive it,you have to show proof of insurance to DMV. Because it is illegal to drive an uninsured car.
Your company probably will allow you to to drive other cars as long as you don't owned them, such as if you rent a car.
This insurance usually good for 30 days.When you buy a second car most Insurance companies gives you 30 days temporary coverage to report and insure it. If you lease a car,the lease company will make sure you have insurance naming them as "additional insured".
Good news is, when you insure your second car,you get 10 to
15 % multi car discount on both cars. So go ahead and call your agent!

Learner

Answer 2

Check your insurance details again. Most policies will allow you to drive any other car that is not owned by you or leased/rented to you providing that the vehicle is insured in its own right. These clauses are intended to prevent people buying and insuring a cheap banger just to avoid insuring a high performance car that would cost a lot more money.

The big clause is "not owned by or leased/ rented to the insured" Insurance companies are very specific in their wording and I advise you to always presume the worst case untill otherwise confirmed by them.

Of course you may find that that it is relatively cheap to add your second car to your current policy. Many companies will now insure more than one car under a family policy. Without a policy that specifically mentions the car you may also have problems taxing the car and it will constantly be flagged every time you drive past a police car with the new automatic number plate recognition system (they check for tax/insurance and soon MOT as well).

Answer 3

I think a quick call to your insurance agent or a quick look-up on the internet will answer that question. I think your insurance allows you to drive someone else's car or a rental but may not cover another car owned by you.

Answer 4

I think you'll find your policy states that you are only covered to drive other cars if there is already a valid insuance policy covering the vehicle in question.

I would think it is illegal to drive the second car without an insurance policy specific to that vehicle.

Answer 5

if you get in an accident with the second non-insured car, your insurance company WILL NOT pay, and will deny any and all responsiblity, leaving you holding the cheque. If you feel that it's worth the risk to not add your second car to your policy go ahead. But it is absolutely illegal.

Answer 6

U can only drive another car as long as it is insured, if u get caught driving ur other car by the old bill, u will get nicked 4 no insurance.

Answer 7

Of course it is. You would not have permission from the owner of your 2nd vehicle. You should register this second car with your insurance company, if you have and accident you will not be covered and could be in trouble and land up in court.

Answer 8

It is not legal to drive this 2nd car as you are the registered owner & keeper of the vehicle and your certificate should state that you can drive any other vehicle not owned or hired to you. Please be aware that the cover under this section is normally only third party only cover. I'm afraid you will have to insure it, how else would you tax it?

Answer 9

Yes . Even though you can only drive one at a time. Our great insurance companies have made sure you have to insure each vehicle separately. Really great con they have going there. But they manages to get the law on there side. So as usual the public gets screwed again.

Answer 10

The other vehicle can't be owned by you and has to be insured by someone else for you to be covered , come on they woke up to this old chestnut years ago , people were insuring a metro fully comp and then buyin a cosworth , so pay your bloody insurance !!