I have comprehensive insurance for my car. can i drive another car which is not insured but is taxed,mot'd ?
Answers:
Read your policy document!!
If you have comprehensive insurance, this usually gives you third party insurance to drive any other car with the owner's permission. Check your policy.
No there are many reasons why and mainly technical but really the answer is no. simply damage liability is one obvious reason others are , you yourself wouldnt be insured against damage to you.
usually
but phone them up
or read the policy cover note
Useally yes third party only but check with your insurance firm first
yes you`ll be driving the vehicle on your third party insurance,which makes it insured
Good question, I have often wondered what the legal position is.
Logic would say that you can but the ins. co. may have other ideas.
You can only drive a car with insurance in its own right
then you would only be insured 3rd party
Probably not.
The usual condition is the the other vehicle has to insured by its owner/registered keeper. And then you will probably only have Third Party Liability
ime afraid not,
Read the small print, it varies from policy to policy and week to week if you are stupid enough to be with Norwich Union.
If you are covered it will be third Party only and you will not be covered if you damage the "another" car which have borrowed.
You really need expensive Motor Trade insurance, like what I got, or need to be on the other cars insurance as a named driver to be sure.
You may be entitled to the 'Driving of Other Cars' extension, which would allow you to drive another vehicle (within the Underwriting Criteria) on Third Party cover only (which means if you have an accident, the damage you caused is payed for, but the car you were driving isn't)
You normally need to be 25+ and have held a License for x number of years.
Check your docs or speak direct to your insurer. If you need full cover on the second vehicle, you may be able to add the vehicle to your existing insurance policy, for a small cost.
FAO ar7 - the DOC would certainly cover this situation, normal DOC extension states that the car you wish do drive with the DOC can not be owned by you or be a rented/hire car thus negating the situation that you mentioned.
No. The "driving other cars" extension only applies to cars which are already separately insured. So it cannot be used on another car owned by yourself (or hire cars). If this was the case, everyone would just have 1 policy regardless of how many cars they have.
It is only intended to be used in emergencies.
No, the car you wish to drive has to be insured for you to be covered, but you'll only be covered by third party insurance, it'll tell you in your policy.
Also, you usually have to be over a certain age (21 or 25) and have been driving for at least 3 years for you to be covered. All very confusing!
no, because the car is not insured, therefore it can't legally be driven on the road, and your insurance company is not responsible for that vehicle, the vehicles insurance would pay out and claiom back from your company, but if the car is not insured, this is not legal. You would get an IN10 and so would the person who the car is registered to, they could also get charged with letting you drive the car without insurance or have to say you took it without permission ie theft
no for u to drive another car 3rd party from your policy the other car must be insured by someone else. or we'd all buy a **** car then drive a good 1 off other ins.
You would be legally covered to drive the vehicle. Provided it is belonging..and registered..to someone else and in a road worthy condition.
You have the permission of the owner and you have a licence to cover you to drive that class.
It would only be 3rd party liability. Insurance companies might have a bit of crying about it if you were involved in an accident and may not pay up, but if you are requested by Police to produce insurance and you provided your own policy, you would be fulfilling the requirements of the road traffic order.
It depends on exactly what is on your insurance document in terms of exclusions, however normally you are insured to drive any other vehicle that you are entitled to by your driving license, however the cover is only third party, fire and theft.
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