'Insured to Drive any car'

[pink-kittens]

Can you help me settle and argument with my other half, please? We were talking about his car ins and the fact he is insured to drive any other car, 3rd party. I replied that yes, he is but only if that other car has insurance covering it. Is this true?

[johnny37]

It depends what his policy says. I have just looked at mine. There is a list of things which are required when drivng any other car (eg must have owners permission). The list does not say anything about the car being insured by someone else.

[Postdog]

As it it only 3rd party, I would say no, the other car doesn't have to be insured - For instance, I use a mobile mechanic who drives his customers cars to and from MOT's etc, and some of them won't have insrance as they may not have current MOT's (until he get's one that is)

[Ethel]

Postdog - he will be driving on a different, commercial insurance that is entirely different to the average insurance policy. There will be very strict restrictions on it.

[Postdog]

Whatever. But I still wouldn't have thought the car had to be insured - after all, why should you care about damage or theft to the car. As long as YOU have third party that's enough.

I have that on my insurance, and as said before it is with permission, but to be done if circumstances dictate, not as a "usual" thing.

[kempie]

There is no law yet enacted (see commencement orders, and lack thereof, for the Road Safety Act 2006 which is meant to amend the Road Traffic Act 1988 in this respect) which states that the vehicle must be covered by a policy of insurance (or equivalent) for it to be used on the road - it is the driver that must have minimum third party insurance cover (or equivalent) for the use of that vehicle. Therefore, until legislation prompts a standard clause across the industry, individual policy conditions will specify what is required vis-�-vis the insurance status of the other car.

[chazza]

I checked mine this morning as well coincidentally.

It doesn't say anything about the other car needing to be insured but each one could be different so check his own policy

[pink-kittens]

Thank you

Good job I didn't bet with him then LOL

[trevt0m]

a driver with fully comp insurance can drive any other car which is insured by the owner and then he is only insured for third party and he need permission to drive it