Driving an uninsured vehicle
Can I drive my daughters uninsured car (that has been parked up) on my comprehensive policy which covers me for any vehicle which is lent to me with owners consent? as it has been sold and the person who has bought it has asked if I can deliver it.
Possibly but your best bet is to phone your insurance company and get them to say yes or no and if possible get them to email you a letter saying so.The car could be covered by your policy but it depends on the wording.Also the minute the car is parked and left on a road it could become uninsured in some cases.
Originally Posted by Graham1
Well I never knew that, and I've been driving other folks cars for years now, thinking that I was covered?
With our car being a mobility one, I am down as the only driver, as my wife cant drive and the car is her name. We have been using them for the past 9 years now, but I did keep all my "proofs of no claims" letters that the insurance companies gave me after I had left them, and I think that the Mobility people will give us a letter like that, if we ever do leave the scheme
As a general rule any if your policy allows you to drive other cars you are covered third party, but my policy says that the car must not be registered at the same address as me, for obvious reasons ie having one car insured and owning more.
Your comprehensive policy only allows you to drive another vehicle if it has the minimum third party cover on that car. It does NOT allow you to drive any uninsured vehicle.
I recently changed vehicles. I was allowed overlapping cover, but this was (a) by prior permission by the insurer, and (b) myself being the registered keeper of both cars at the time.
Be very careful when dealing with motor insurance; an accident that later shows that you were not covered will receive absolutely no credance in law.
Never accept what opinions are given by others regarding what you can, or cannot, do. Always ask your insurer for advice before the event.
Breathe easy there, as far as police checks are concerned your car will show up as having insurance cover. If you are stopped on the road, your insurance certificate will have you as the named driver.
Originally Posted by smudger879n
I had occasion to check this on my insurance a few months ago; I can drive any taxed, road worthy vehicle within my driving licence groups but the cover is the legal minimum, third party. They wanted £25 for written confirmation, administrative fees. As it was clear in the small print, I deprived them of the £25. But as snowball says, give your insurers a call to be sure