I am in the process of buying a new (to me) car, and this appears to be progressing somewhat quicker than my efforts to flog mine. I know I can't keep my existing one on a public road if the insurance is transferred to my new car (no 3rd party in case it rolls off of its own volition), but could someone else take it for a test drive under their 3rd party cover?
Just add both cars to your policy until you sell yours.
That's what i did in that situation, and it wasnt expensive at all.
Nope, they would have to be fully comp, however it varies between insurance companies, most want drivers to be over 21 in that instance.
No - a car must be insured before being driven on another 3rd party policy IIRC
What mastiles says - the car must have some insurance for it to be driven by someone with their own insurance not for that car.
..... but could someone else take it for a test drive under their 3rd party cover?
Depends what their policy states.
Some will grant third party cover, some only in 'emergencies' and some not at all (mainly to stop people abusing the system by insuring a low-grouped car then using the associated third party coverage to drive a friends higher-grouped car).
...Nope, they would have to be fully comp,...
Not so. Some (though very rare these days) TPO insurance policies allow coverage on other vehicles.
Just add both cars to your policy until you sell yours.That's what i did in that situation, and it wasnt expensive at all.
Hmmm, mine's looking like £90 for the month, and a month is the max I can do it for. Perhaps I should get MrsZ to try her company and see how much they'd want to add it to her policy....
Section 143 (1)(a) of the Road Traffic Act states...
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,
If you're asking whether they can drive it if their policy covers them for third party liability on any car (which most but not all fully comp policies do) then yes they can. However if they crash it you're up the creek.
If you're asking whether their third party only policy would cover them to drive your car then that's highly unlikely (again dependent on their particular policy, but pretty much unheard of)
It's irrelevant whether or not you are currently insuring your car, as far as others driving it goes.
YOu can also get daily insurance now too. Saw it advertised in a motorway service station but have no idea what the company name is.
It's irrelevant whether or not you are currently insuring your car, as far as others driving it goes.
That's the bit of info I was after. I was meaning the 3rd party cover to drive other vehicles usually included on a fully comp policy. I just wasn't sure if the vehicle itself needed to be covered (by me) whilst they were driving it...
That would be fine then, you don't need to cover it yourself.
There are also laws about causing or permitting someone to drive without insurance, but if you had checked their certificate before letting them drive it then I would think you have done all you can to meet your obligations.
I was in the same position last year. According to my insurance company, the law says that even though a driver looking to test drive your car may have fully comp insurance which covers him 3rd part on other cars, the car he's test driving still has to have a minimum of third part cover of it's own.
It's worth checking with your insurance company in any case. Not sure "the people of STW told me it would be OK" is much of a defence if you get in to trouble.
I'm in the same position. My insurer is charging £11/week for the old car.
It's irrelevant whether or not you are currently insuring your car, as far as others driving it goes.
I dont think this is true, as people weredoing the old "got insurance on my old fiesta 1.1 and drive my MR2 turbo 3rd party only on the fiesta insurance". There was a big huff about it a few years ago.
In fact I'm fairly sure its not true as my insurance company wanted a significant sum to insure my second car 3rd party only for a single trip when moving house.
Your car needs to be insured regardless of whether someone is driving it on a third party extension.
the car needs to be insured by someone for me to be able to drive it third party on my insurance it specifically states this.
Check their policy as you will be liable if they say yes I am insured and you do not do a reasonable check..if the document is a forgery and not obviously so it is Fraud on their part etc.
Probably best to get legal advice from someone who is qualified IMHO rather than a mtb forum
I suppose different policies can have different criteria, set by individual insurance companies, restricting the use of any third party cover they offer. But if the driver was acting within any such restrictions of that third party cover, I can't see why the owner would have to insure it as well.
I've checked my insurance and the 'driving other cars' cover does not require the other car to be insured. It must vary from one policy to another.
I dont think this is true, as people weredoing the old "got insurance on my old fiesta 1.1 and drive my MR2 turbo 3rd party only on the fiesta insurance". There was a big huff about it a few years ago.
My driving other cars cover covers any car not belonging to me, so I couldn't use that trick. Would have thought other insurance companies make similar restrictions.
To use your insurance and drive another car 3rd party, that other car must be insured by the owner unless stated in your policy.
I used to tell people that from my student job in insurance.
Why don't you ring your insurers to check anyway.
Zokes-there are policies which you downgrade to fire and theft only and no 3rd party if the car is locked up in a garage e.g. Convertibles over winter. Then you upgrade the policy to fully comp etc when in use.
Only prob is you need can only down grade a normal existing policies to fire and theft only (no third party). I don't thik you can buy it from the start???
Ring a round?
zaskar - is that a legal requirement ie. part of road traffic law? I'd be interested to know where that's from because I can't for the life of me find it in any legislation. Genuinely interested because I'm looking at this from a legal point of view rather than as in insurer.