Insurance

[GuidoT]

I have fully comprehensive insurance for my car, which allows me to drive another car and I will be insured third party on that.

 

My friend has two cars, he has his own car then got a company car with his new job. He does not want to get rid of the non company car so it is parked on my drive (as he has problems parking where he lives).

 

His insurance on the non company car has just expired, the question is I am legally able to drive his car? I presume the police ANPR would pick it up as uninsured.

[Michael Browne]

Unless he has sorn'd the car, he must continously insure it.

 

http://www.mib.org.uk/Motor+Insurance+Database/en/Continuous+Insurance+Enforcement/default.htm

As part of Continuous Insurance Enforcement (CIE), it is now a legal requirement for registered vehicle keepers to insure their vehicle(s) at all times.

 

You don’t have to be driving to be caught. It is now a legal offence to keep a vehicle without insurance unless you have notified the DVLA that your vehicle is being kept off the road and have a valid Statutory Off Road Notification (SORN).

Under the new system, MIB and the DVLA will work in partnership to identify uninsured vehicles by comparing DVLA vehicle records against those held on the Motor Insurance Database (MID).

The registered keeper will be sent an Insurance Advisory Letter (IAL) telling them that their vehicle appears to be uninsured and warning them that they will be fined unless they take action. If the keeper fails to comply with the advice set out in the letter they will face:

• a fixed penalty notice of £100

• their vehicle being clamped, seized and disposed of

• a court prosecution with a maximum fine of £1,000

[unclebulgaria67]

Read your certificate re driving other cars. There are some which require the car to also be Insured by its registered keeper.

 

Personally I don't think it is worth the hassle. It will come up as being uninsured. If you drove it on the driving other cars cover, you would only actually be covered while at the wheel. If you went out in it and parked it while popping to the shops for example, the car is not Insured while parked. So if say for example the handbrake failed, the car would not be Insured at all. Any third party would come after the last person who had driven the car.

[GuidoT]

Thank you MB and UB67.

[2ltr16valve]

I think the 3rd party entitlement to drive other vehicles is only valid if the other vehicle has insurance already.... so to answer your question, I would say no.