Wagolynn, I had the Devil's own job tying down some insurers as to when my insurance no longer covers the 'borrowed' car. I suggest to them that 'as long as I am in the driver's seat....', and they snap this up as a resolution to the question, which is why I posted that above. Left to their own devices as to giving a clear-cut answer, and I think the conversation would go on forever, and all round the houses.
I think the law, say for some offence or other; would say you would be in charge of the vehicle until you passed on the responsibility to another, which also feels morally right (Morals and insurance, is that possible?). I think most insurers tend to say you can drive another vehicle, which, I think is slightly different, or is it just sloppy drafting.
On the subject of Insurance, and some insurers dubious behaviour:
I worked in a workshop with a bodyshop which did insurance repairs. One day an Assessor came in to inspect a vehicle, and found what were obviously work documents in the vehicle. He made the comment that the driver may have been in breach of his insurance, as he was not insured for work purposes. The car sat untouched for a few months whilst the insurer and the owner wrote and telephoned each other about this, although eventually the insurer did give the go-ahead for the repairs. The owner told us that he quite often worked from home, and carried work documents, and the insurer made him pay extra on his premium before agreeing the work.
Originally Posted by smudger
Sorry, you're missing the point - Motorbility will normally insure 2 drivers for their lease cars (more if vital, apparently), but that's not the point. A driver (or "person") who has a Motorbility car, insured by Motorbility (?RSA) CANNOT drive any other vehicle (not belonging, etc) under 3rd party insurance because the Motorbility policy does NOT cover them.
I found this out because my daughter has a car which is insured ONLY for her to drive. She wanted to lend it to a friend who has a Motorbility car (to help her friend out, because the dealer couldn't at that time provide a courtesy car while it was being repaired). She thought the (comprehensive) Motorbility policy would cover her 3rd party, but when I rang to ask on her behalf they said no, that never applies to their policies!
Well it would be interesting to see what would happen if the garage gave you a courtesy car when your one is in for service?
Courtesy cars are insured by the garage on their Trader Policy. Anyone can drive with garage permission, although there are usually age limitations.
Ah! that explains that then, just as well I don't drive other peoples cars anyway.
Snowball you must have eaten yellow snow - why post non-factual rubbish that ill-informs readers.
Originally Posted by Snowball
Here are the facts.
Yes you can drive another vehicle within your alocated driving licence groups if your insurance states that you can drive other vehicles that do not belong to you, or hired to you or are for the purposes of racing. You MUST have the owners permision to drive this vehicle.
The third party car you drive will be covered on your own insurance hence the car becomes insured. You do not need fully comp if your third party insurance also states you are insured to drive other cars then you legally can. This is because the minimum insurance you need to have on a vehicle on the road in the UK is third party.
The moment you exit the car from the drivers seat the car is no longer insured, and any liability would fall on the owner.
Remember though the car you drive must be road worthy, taxed and if required have a valid MOT cert.
The main downfall here is you cannot get a tax disc without the car having valid insurance upon it, but a cover note will get you over that hurdle.
Enjoy driving your friends loan car but ALWAYS check your policy first and if in any doubt call your insurers.
For all thoose shaking your head I have been under-writtibg insurance before you could even push yourself along on a trike.
Welcome to the Forums Raylynmax!
I think you'll likely to be stopped by the boys in blue too for it not showing on the insurance database too.
Originally Posted by raylynmax
By the way, You must be writing from your grave. It is a long long time since Snowball rode his trike (no offence Snowball).
On the face of it, the cert. of ins. does appear to give cover for driving another vehicle without at least T.P. insurance. But discussions on other forums (e.g., Honest John.co.uk) show that there are mixed doubts about appearances being correct. certainly, self-preservation would always make me err on the safe side; No TP and I don't drive it.
Originally Posted by raylynmax
There will often be differences of opinion; and sometimes wrong ones. You appear to be speaking from a position of specialised knowledge, but that doesn't excuse the impertinence to attack forum posters with this kind of garbage.
In your profession of underwriting insurance, do you treat your clients in this manner? Tut-tut!