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4th April 2006, 16:28
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#1 (permalink)
| | Site Team The Consumer Action Group |  Car insured as long as it's not mine?
I have just bought a second car (due to my other car catching fire on the way to work the other week), but it has no road tax.
Obviously I need to get insurance first - well because I have my other car insured already, car insurers won't let me use my NCD on this car as well.
(The rules have changed somewhat since I joined the CII!!!)
However, I have my other car insured fully comp, which allows me to drive any car that doesn't belong to me third party only. That's fine - TP only is what I want.
So, my question is - am I able to buy road tax with the certificate that allows me to drive the car providing it's my partners car for instance?
Hope this makes sense.
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Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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4th April 2006, 16:37
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#3 (permalink)
| | Platinum Account Customer | Re: Car insured as long as it's not mine?
You must remember that the insurance relates to the car it was taken out to cover. The fact that it also extends to you as TP when driving other vehicles is a courtesy extended to YOU as a driver, but implicit in this is that the OTHER car is also properly insured and taxed.
In a nutshell, the certificate is only for the car, and therefore will not cover the other cars concerned. However, if the insurers will not extend your NCD to the other car - exercise your right to move to an insurer that will offer this. Martin Lewis did a good talk about this last week on the radio...your current insurer may soon change their mind when faced with losing what is effectively two policies...
(Does all that sound gramattically right?)
__________________
Alecto, Magaera et Tisiphone: Nemesis on Earth is come.
All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional. | |
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4th April 2006, 16:51
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#4 (permalink)
| | Site Team The Consumer Action Group | Re: Car insured as long as it's not mine?
Thank you - good call - I'm on MSE now! 
It seems odd to me that the NCD is gained by me not hitting anything - yet I can only use it on one car at a time.
I can only drive one car at a time, so why would I be a bigger risk in another (similar sized, same grouped) car?
__________________ If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
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Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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4th April 2006, 17:01
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#5 (permalink)
| | Platinum Account Customer | Re: Car insured as long as it's not mine?
Quote: |
Originally Posted by dave so why would I be a bigger risk in another (similar sized, same grouped) car? | I'm not sure if this would be a valid point, but when you are driving your 'normal' car, then you are completely familiar with everything about it. In another car you may not be so familiar, and therefore your reaction times could be affected. Additionally, in someone else's car, it is possible to have an 'it's not my car, so it doesn't matter' kind of attitude. Not that I am sugesting this is the case, but I wouldn't be surprised if this theory has been expounded at some point in time... | |
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6th April 2006, 15:10
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#7 (permalink)
| | Site Team The Consumer Action Group | Re: Car insured as long as it's not mine?
The road tax won't actually invalidate the third party part of the insurance - only the Comp bit - I won't go into details (as it's very boring) but it's because the person is insured for TP NOT the car.
My policy states that I am able to drive any other car that doesn't belong to me - there's no mention of the car being insured by another person to make this valid anywhere in the entire T&C's?????????
I'm not sure that it is a requirement - it's certainly not a legal requirement. Quote: |
In another car you may not be so familiar, and therefore your reaction times could be affected. Additionally, in someone else's car, it is possible to have an 'it's not my car, so it doesn't matter' kind of attitude.
| I would say that if they feel that way, then the driving test isn't hard enough. I can jump into any car and drive it immediatly - a car is a car to me - different cars handle differently, sure, but driving is driving no matter what car it is that is being driven.
__________________ If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
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Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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Last edited by dave; 6th April 2006 at 15:12.
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6th April 2006, 15:16
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#8 (permalink)
| | Platinum Account Customer | Re: Car insured as long as it's not mine?
Quote: |
I can jump into any car and drive it immediatly - a car is a car to me - different cars handle differently, sure, but driving is driving no matter what car it is that is being driven.
| I agree completely, but they have to spout some sort of contentious drivel to bamboozle people into believing the higher costs are justified... | |
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6th April 2006, 15:20
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#9 (permalink)
| | Site Team The Consumer Action Group | Re: Car insured as long as it's not mine?
Maybe when the bank thing is won - we go after them!!!??
__________________ If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
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Add me as your friend on FaceBook - I need all the friends I can get
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Fed up with being ripped off, or mistakes by companies that cost YOU money?
Register their failures at The Consumer Information Database: http://www.cidb.co.uk
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6th April 2006, 17:32
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#12 (permalink)
| | Site Team The Consumer Action Group | Re: Car insured as long as it's not mine?
Yeah - I thought as much.
Oh well - it's done now.
It turns out I can have an extra car policy with my existing insurer and they will honour my NCD AND I get a discount for a second car (although the discounted price was about 10p MORE than a non-discounted price their site was showing on Insuresupermarket.com!! ??)
__________________ If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
------------
Add me as your friend on FaceBook - I need all the friends I can get
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Fed up with being ripped off, or mistakes by companies that cost YOU money?
Register their failures at The Consumer Information Database: http://www.cidb.co.uk
and try the chat room - come and say hello: http://www.cidb.co.uk/chat
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6th April 2006, 18:27
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#13 (permalink)
| | Classic Account Customer | Re: Car insured as long as it's not mine?
Quote: |
Originally Posted by dave (although the discounted price was about 10p MORE than a non-discounted price their site was showing on Insuresupermarket.com!! ??) |
I know, I know. If you ever want me to explain how/why I will, but it will send you to sleep!
LOULA | |
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7th April 2006, 14:49
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#15 (permalink)
| | Site Team The Consumer Action Group | Re: Car insured as long as it's not mine?
Quote: |
Originally Posted by cwk Glad you got it sorted
But for the record; to drive another car Third Party on your own Comprehensive insurance, the 'other' car must be insured itself (either C or TP) | I'm not so sure that this is the case - there is certainly no legal reason why it should be, and it's not mentioned anywhere in my policy - it just states that I can drive any other car not belonging to me.
__________________ If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
------------
Add me as your friend on FaceBook - I need all the friends I can get
http://www.facebook.com/profile.php?id=577405151
------------
Fed up with being ripped off, or mistakes by companies that cost YOU money?
Register their failures at The Consumer Information Database: http://www.cidb.co.uk
and try the chat room - come and say hello: http://www.cidb.co.uk/chat
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7th April 2006, 14:50
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#16 (permalink)
| | Site Team The Consumer Action Group | Re: Car insured as long as it's not mine?
Quote: |
Originally Posted by Loula I know, I know. If you ever want me to explain how/why I will, but it will send you to sleep!
LOULA | Could I have an edited version?
__________________ If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
------------
Add me as your friend on FaceBook - I need all the friends I can get
http://www.facebook.com/profile.php?id=577405151
------------
Fed up with being ripped off, or mistakes by companies that cost YOU money?
Register their failures at The Consumer Information Database: http://www.cidb.co.uk
and try the chat room - come and say hello: http://www.cidb.co.uk/chat
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