UK Question: does a car beings driven have to be insured if not owned by (driver)?

Question

but (driver) has fully comp insurance for there own vehicle ?

Answer 1

This is a grey area. Ask yourself this question, your policy says you may drive another vehicle not owned by, and not hired to under a hire agreement ( Or words to that effect) So, providing you are driving the car,you are covered, third party only on your own Insurance policy. What happens when you park that vehicle on road and go shopping, technically, you have ceased to be the driver, in that case, the vehicle is not covered by insurance if there is no other policy in force.

Answer 2

UK answer. Most policies allow a driver to drive a car not owned by him (but some don't so do check) If you are using this feature of your policy it only covers driving, the moment you park the car the cover stops! Some policies allow any driver, but often this isn't allowed. You need to be able to show the police the certificate of insurance that plainly shows you as an insured driver. If you couldn't, then don't drive it. Generally it is the driver that has the insurance, not the car.

Answer 3

Any driver of a vehicle by law, must have insurance.
Most fully comp insurances allow you to drive another vehicle,whether it is yours or somebody Else's on third party only. Check that your insurance allows this.

Answer 4

it depends on what the drivers insurance policy says. Some drivers are insured to drive any vehicle with the owners permission, but some are not.

Depends on the company i think. I'm insured to drive any car with my AA insurance but previously I was with Diamond and was not allowed to drive any car.

Answer 5

Check the terms and conditions of your insurance policy. Some insurances say that you are covered to drive any vehicle within a certain weight restriction.

Answer 6

Each car has to be insured in its own right. If the police were to run a check it would come up as uninsured, therefore invalid tax and possibly no MOT either and you need a valid insurance document and MOT to tax a vehicle.

Answer 7

Each car is insured for 1 or two persons (can be insured by more but is expensive) and if an other person that is not the one insured crashes it the insurance dosnt have to pay for the crash.

Answer 8

all cars most be insured weather you have 1 or 10

Answer 9

your covered third party as long as car owner has insurance on the car.