insured to driver another vehicle if the vehicle itself is not insured... I HAVE AN ANSWER !

[MustangLady]

Hi all. thanks to ABers for your many replies on my previous question... I have now spoken with my own insurers and they have confirmed the following (which applies under my insurance policy, so may differ from yours, please check with your own insurers if in doubt)... I am insured to drive other CARS under my own policy even if the other vehicle belonging to someone else is not insured. (Though this would not apply to another car if it is owned by me). However, my policy does NOT cover me to drive a van of any description, it only covers me for Third Party to drive someone else's car. It is also correct that should I use somebody else's car which is not insured by them, it would ONLY be insured Third Party all the while I am in the drivers seat, the moment I leave the vehicle it would not be insured at all. I am much clearer on this matter now and will now ask my BF to have me as a named driver on his policy (this is much simpler solution to it all). BTW the van is fully insured, taxed and MOT'd by him now. thanks again to you all.

[Annlinda]

Get it in writing!

[rdv]

Thats exactly how the situation has been explained to me, the problem is when you leave the car parked you are committing the offence of leaving an uninsured vehicle in a public place

[avoss]

MustangLady-do you know if by being the registered keeper of a vehicle means that you are classed as the owner? please read my problem,im at my wits end!! did you get it in writing? and just on the off chance,who is your insurer?! thank you. andrew

[MustangLady]

hi avoss... i believe by the registration document being in your name means you are classed as the registered owner/keeper of the vehicle. I didn't actually get it in writing, however the insurance company rep was very clear and precise as to what i can and can't drive under my own policy. On checking it again (as she was on the phone explaining) my insurance policy does clearly show that I'm insured to driver 'motor CARS and not motor VEHICLES'. As a matter of interest I am insured with Adrian Flux Insurance. But please do check with your own insurance company as to exactly what you are insured to drive, as each policy / insurer can define theirs different I do believe. Hope this helps.

[avoss]

hi mustang lady, only just logged back in to AB. thank you for your reply/help. i got away with it! they just glanced at my insurance, stating "insured to drive any other car" and didnt check to see if i actually owned, or was `keeper` of the other car i was driving! woohoo! ;0)