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Am I insured...
#357740
16/05/2007 22:30
16/05/2007 22:30
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Anonymous
Unregistered
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Anonymous
Unregistered
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if I buy a 2nd car tonight and drive it home if I have fully comp on my coupe? After all, I have the owner's permission as that's me! Or does the car need it's own insurance policy before anyone is insured to drive it? Thanks for any advice.
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Re: Am I insured...
[Re: JimO]
#357745
16/05/2007 22:35
16/05/2007 22:35
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Anonymous
Unregistered
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Anonymous
Unregistered
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I guess it would still be insured by the current owner even if technically by then he wouldn't own it anymore??
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Re: Am I insured...
[Re: JimO]
#357751
16/05/2007 22:38
16/05/2007 22:38
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Anonymous
Unregistered
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Anonymous
Unregistered
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It's a cinquecento so maybe I can put it in the boot
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Re: Am I insured...
[Re: ]
#358079
17/05/2007 06:26
17/05/2007 06:26
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Anonymous
Unregistered
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Anonymous
Unregistered
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If you buy the car, then you are the owner. You are generally covered for your own car and 3rd party on "someone elses" car 3rd party if you have thier concent.
As you own the car now then I would say you are not covered by any existing policy and need to make additional provisions.
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Re: Am I insured...
[Re: ]
#358157
17/05/2007 14:19
17/05/2007 14:19
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Anonymous
Unregistered
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Anonymous
Unregistered
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I agree with Dwayne, you won't be covered as you have just bought the car.
The third party extension only covers cars not owned by you and there has to be a valid insurance policy already on the car. It's that last bit that's been tidied up recently to try and stop the council estate pool car scams.
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Re: Am I insured...
[Re: ]
#358223
17/05/2007 15:16
17/05/2007 15:16
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Joined: Dec 2005
Posts: 12,546 Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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My current insurance policies give 3rd party cover for vehicles not owned by me providing I have the owner's permission to drive/ride, etc. and don't mention that the car must be insured under its own policy.
There was legislation planned to make it compulsory for all privately owned vehicles to have a specific policy insuring them, but I haven't heard anything about it for ages.
Dear monos, a secret truth.
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Re: Am I insured...
[Re: AndrewR]
#358652
17/05/2007 22:00
17/05/2007 22:00
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Anonymous
Unregistered
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Anonymous
Unregistered
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As Stan noted - my fully comp RAC policy excludes the 3rd party cover element for vehicles you don't own.
A leaflet with the insurance explained that this 3rd party cover was only ever intended for emergency situations when you had to drive someone elses vehicle, but as people didn't understand it and it was in some instances being abused, then it was no longer part of the policy.
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Re: Am I insured...
[Re: ]
#358662
17/05/2007 22:19
17/05/2007 22:19
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Anonymous
Unregistered
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Anonymous
Unregistered
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No, you are not insured.
IF your company gives cover for driving other cars, you are only covered to drive vehicles that you do not own.
Just because you have comprehensive cover, that does not mean that you have cover to drive other cars. By the same token, your own policy may only be third party fire and theft and the insurer may still give cover for driving other cars.
However, if you do not own the vehicle, there is no requirement for the vehicle to be insured elsewhere.
Best bet is to add the new vehicle to your policy for a few days or just arrange the annual policy when you get the car.
As I work for an insurance company, I probably shouldn't recommend just driving it uninsured, which is what I would probably do.
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