my car doesnt have an insurance, my friend got full insurance for his car, can he drive mine car?

Answer 1

If you're in the UK, there must be insurance in place for your car if it's on the highway, it matters not about your friend's insurance. In some areas uninsured cars are being seized and on occasion crushed, so you'd better get something sorted out quick!

For clarity, a car must have the "magic three" if it's on the road, including being parked. They are:

Road tax
Insurance covering third party risks
MoT (technically only if it's being "used") if it applies.

Answer 2

I am unsure about the legality of the situation but would be concerned as to whether your car has road tax but no insurance. Your friend would have third party cover only and your car would not be insured. Get some insurance cover in your own name.

Answer 3

Your insurance is not avoiding you, they are completing a coverage and liability investigation, and this can take time. Usually, a denial of coverage needs a full formal report which needs approval from a Home Office Examiner. It is not something which is accomplished overnight. Believe it or not, the insurance company is looking to cover you, not to deny coverage. If you gave your boyfriend permission to use your vehicle, and he is not a regular user, then he and you should be covered. However, there may be an exclusion in your policy which refers to denying collision coverage when the driver is evading the police. If you gave him permission to use the vehicle, you are going to be responsible for all of the property damage since you were the owner of the vehicle. It is possible your insurer will cutback your liability limits, but it is unlikely. Sounds as if he caused a lot of damage, and the damage may exceed your policy limits. If he has auto coverage of his own, he should report the loss to his insurance company. His liability coverage will kick in as " excess primary". If he took the vehicle without permission and you did not report it stolen, your liability coverage may also be cut back to CA's compulsory limits too. If you dispute your insurance company's decision, read your policy and find out if you have an arbitration clause. You may also have to consult an attorney.

Answer 4

In the UK, your friend cannot drive your car without you having insurance on it. The law states that, providing your friend has the required driving extension from his own company, he may drive any other privately owned car not belonging to him or hired to him providing that the car in question is suitably insured elsewhere. Basically, you need to insure it in your name before he would be allowed to drive it using his third party liability cover provided through his company.

Answer 5

It depends on the language in your friends policy and the laws of your state.

However, since you do not have liability on your car - park it - turn in the tag and under no circumstances allow it to be driven on the road. If your friend were to drive the car w/o insurance - you can be sued - you can be held personally liable for any injuries/damages your friend causes - since you own the car.

Answer 6

He will need to check his policy. Most insurance does cover you to drive other vehicles with the owner's permission, but some don't - so check before he drives your car!

Answer 7

In order to be on the road your car needs to be taxed, MOTd and insured. While your friend may have 3rd party cover to drive any vehicle he can't drive yours unless it is legally on the road

Answer 8

No, the car has to be insured to be on the road

Answer 9

No, I the car isnt legal without insurance.
He needs to be put on your policy - which you need to get of course.

Answer 10

check the small print on his documents it should tell you on there if he is covered to drive any other car. If you cant see anywhere that it does then he wont be covered, If in doubt DONT drive it get the bus or walk lol!