Driving other cars on your car insurance?

Question

Hi is there anyone out there who knows whether or not you a person is covered to drive other peoples cars even if the other person has not actually insured their car themselves.
.i.e. somebody buys a car and it has tax , MoT. Can his friend who has written on his policy that he can drive other peoples cars legally drive his friends car home for him??
Thanx in advance

Answer 1

(a) a person must not use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act,

Thus the vehicle need not be insured by the owner whilst someone who has 'driving other cars' is 'using the vehicle on the road'. This means, however that the vehicle must not be left on the road after the person drives it back i.e. finished using it!

FYI This is the loophole that allows someone who has driving other cars to reclaim cars on behalf of people who have't insured them. All they have to say was that 'I was using the vehicle at the time' and they have to be allowed to have the vehicle back. (One reason why some insurers are removing driving other cars from their policy benefits)

Please note (as should some of your correspondents) that the benefit of driving other cars for third partyu cover only does NOT depend on whether the policy is comprehensive, third party fire and theft or third party only. The usual requirements are that the insured (who must be the policyholder) must be over 25 - but policies vary. Always read the certificate.

Answer 2

The policy needs to be read carefully. Some policies permit the driving of another car not belonging to the policyholder, but with third party cover only and also many now specify "in an emergency only".

On another tack, the car must be taxed and MoT'd to be on the road at all, including being parked. The only time this is not required is when it's on the way to a pre-booked MoT.

Looks like the only way you can do this is to get it delivered, either by the dealer on his trade plates or on a trailer.

Answer 3

Actually the answer is a definite NO. Any car running on the public highway must have its own Valid Tax, MOT and Specific Insurance. If it didn't need its own insurance, then you could own two cars and only need insurance for one.

Car Dealers have Trade Plates that give them insurance for any car regardless of its own insurance status. This is the only way you can get away without insuring the vehicle prior to driving on the public highway.

If you do drive it, you are liable for a hefty fine and the car WILL be crushed if you are caught. Remember it only takes one Camera Van or Roadside Mobile Unit to do a DVLA check and its Blue Lights and then a Walk Home for you.

Answer 4

It is perfectly alright for someone to drive another car on their policy, providing that the policy specifies that driving other vehicles is covered.

Be aware though that this is usually restricted to 3rd party cover so if the vehicle was involved in an accident only the damage to the other vehicle would be paid out for and not the one being driven.

Answer 5

Read the small print on your policy and certificate, or ask your insurance company. Not all policies have the "any car...." extension because it was being abused. NOTE if you are covered to drive another uninsured car, the cover stops the instant you park it and walk away.

Answer 6

You better phone your insurance, I think you might have a problem if the said car has no insurance at all. Your company may issue a temp cover note for you to drive it. This used to be very easy to do before insurance went internetified.

Answer 7

study fees for unfastened at - INSURERATESNOW.archives- RE automobile insurance, power any automobile? My insurance certificates says that i'm allowed topersistent any privately owned motor vehicle as long as I even have the vendors permission topersistent it and that's roadworthy and that i nonetheless very own the vehicle I even have insured. So even although I very own a small and sluggish automobile, my insurer will extremely thankfully enable me topersistent a £250,000 ferrari as long as I even have the vendors permission to attain this? How does that artwork out?

Answer 8

If you hold a Fully Comprehensive policy you can drive it but you will only be covered as THIRD PARTY

Answer 9

i think you should get a fully comprehensive policy and have the other driver insured as third party...

if you need such policy you can shop around using this site http://www.nightbirdssolutions.com

Answer 10

Yes , but you can,t leave it on the road , and you'r only covered for third party !!