3Rd Party Insurance

[MattJ]

If a driver has 3rd Party Insurance, are they covered to drive someone else's car with permission?

[bhg481]

Most unlikely. Even comprehensive policy holders aren't always allowed to drive other people's cars.

[hc4361]

Every policy is different so you need to read the policy or contact the insurer.

However, it is highly unusual for 3rd party insurance to cover this.

[Baldric]

Check with the individual Company, but I would not think so.

[Bazile]

If the policy ( comprehensive ) says that you may drive another car which is covered by it's own policy , with the owners permission .

However the cover on the other car that you drive ,will normally be on a third party basis only . Which means that any damage to the vehicle you are driving will not be covered by your insurer / policy

[douglas9401]

Always read the small print carefully, especially if your mind may be otherwise occupied. :D


http://www.dailymail.co.uk/news/article-4009064/Police-catch-Scotland-s-TRANSPORT-minister-Humza-Yousaf-driving-without-insurance-humiliation-SNP.html?ITO=1490

[EDDIE51]

No, 3rd party is the most basic insurance .

[New Judge]

I note that the BBC put a slightly different slant on the matter:

http://www.bbc.co.uk/news/uk-scotland-scotland-politics-38234763

They suggest that Mr Yousaf drove "without the proper insurance". This seems to indicate that he had some insurance but it was improper or inadequate. Not so. Driving without insurance is an offence of strict liability: you either have it or you do not. You can't be "slightly" insured or "improperly" insured. In this context there is no such thing as "proper" insurance. It is insurance - and Mr Yousaf didn't have it. There's no need to dress it up.

[douglas9401]

He's just been featured on Reporting Scotland with his boss and others all having a right laugh about it.
Humza by name, humbug by nature. A line has been drawn and all have moved on.
Apparently.

[ToraToraTora]

if it says it on the certificate then you can otherwise you cannot. TPFT/Comp is not relevant at all.