insurance cover

[vinrex7]

Part of my insurance cover is that i can drive with the owners permission any car. what i want to know is does the car have to be insured or am i still covered? cheers in advance

[NORMANTHEDOG]

the car has to be insured and you are only covered third party.(usually,unless your policy states otherwise)

[Grunty]

You must have the permission of the owner or other lawful authority. Your certificate of insurance is all the insurance you need. Otherwise you would be insured twice over. Norman is right in saying that you would only have the minimum cover required by law. If the car is insured by the owner, it would be better to use that if it is for any driver, because the cover would be more comprehensive.

[sifellis]

Norman is partly correct.

The car doesn't have to be insured, just be aware though that if it isn't, the moment you step out of the car to nip to a cashpoint for instance, the car is then un-insured and on a public highway and can be towed without warning.

Very rare unless a copper is following you after checking your reg with the PNC but it can happen.

[McNoodle]

No, I'm with NORMANTHEDOG - even if you have insurance albeit only third party, to drive somebody elses car that car must already be insured by the owner, otherwise you could own a number of cars, put them under different peoples names and drive them all on one policy.

[vinrex7]

i confused now. it doesn't say the car has to be insured, on the policy just say's with the owners permission. i'll have to ask a copper i supose. cheers anyway guys

[McNoodle]

Well obviously you need the owners permission, otherwise it's called 'taking a vehicle without consent' which carries its own penalty...

[sifellis]

All i can do is reiterate my answer which is fact.

I'm an underwriter for UKI, we underwrite tesco, egg, direct line, privilege, churchill, natwest, prudential....etc.

With ourselves the car DOES NOT have to be insured elsewhere, this obviously proves that it's NOT a requirment by law for it to be insured.

We do have a stipulation that it doesn't cover you to drive vehicles within your household, this stopping people driving numerous cars whilst only insuring one.

If you still have any doubts i suggest you contact your insurer.

[McNoodle]

...but if it's not insured, it's unlikely to be taxed, so you still couldn't drive it..?

[clancyblob]

Example: My friend falls ill at work, so he's taken home. His car is at work, taxed and MOT'd. He has insurance, but it only covers him to drive.

He asks me to drive his car home for him. I have comprehensive insurance on my own car, with a clause that says I can drive another car with the owners permission. So I can drive his car home for him. I will NOT be comprehensively insured on the journey, just basic insurance to make it legal.

[mrknowall]

My policey states i can drive another car as long as its not owend by me and i have permission.
It states the car does not have to have an insurance on this car.

This question has been asked before,a freind of mine got caught the other week.He was driving a car that didnt belong to him the car had no insurance, but he had insurance on his car.When he went to the police station they said all was fine with the insurance.

[Mel_C]

Hi,
I am with sifellis on this one. I am an underwriter for a large insurance company very well known in the UK. I have just been doing my underwriting training and this question came up. Technically the car does NOT have to be insured, whilst you are in the car and driving it then you will be covered Third Party only under your driving other cars extension (provided you policy gives this cover) but once you leave the car then the vehicle is no longer being covered under this extension...

[avoss]

hi mel c and sifellis. please could you help me on my question regarding a similair issue? any help at all would be greatly appreciated. thank you.