Quizzes & Puzzles43 mins ago
A Follow On From Previous Question.
Senario
My friend has a car with MOT and road tax but no insurance. My insurance includes me driving, TPFT, other peoples cars, with their consent.
Can I, legally, collect his car from his drive and drive it to my home?
As I see it, as long as I'm in the car, it's covered on my policy.
My friend has a car with MOT and road tax but no insurance. My insurance includes me driving, TPFT, other peoples cars, with their consent.
Can I, legally, collect his car from his drive and drive it to my home?
As I see it, as long as I'm in the car, it's covered on my policy.
Answers
Graham, for reasons that I won't say on here I was in the same situation that you describe about 5 months ago, I had to bring a car from Bedford back to the West Mids ( car owner deceased ). I checked with the police before doing it and they said that the car's insurance died with the owner ! and so it would not be insured even though my own car insurance allows me to drive...
18:27 Mon 02nd Jun 2014
No you can't, because the vehicle you are intending to drive is not insuredto be on the road in the first place by the OWNER. Every vehicle used on UK roads must be insured by the owner, otherwise it is not able to be used at all.
The owner of the vehicle HAS to have insurance to keep it on the road. That isn't the case. He should have SORNED it. Once scorned it cannot be driven.
No way out mate. Don't risk losing YOUR licence is my advice, take it or leave it.
The owner of the vehicle HAS to have insurance to keep it on the road. That isn't the case. He should have SORNED it. Once scorned it cannot be driven.
No way out mate. Don't risk losing YOUR licence is my advice, take it or leave it.
Graham, for reasons that I won't say on here I was in the same situation that you describe about 5 months ago, I had to bring a car from Bedford back to the West Mids ( car owner deceased ). I checked with the police before doing it and they said that the car's insurance died with the owner ! and so it would not be insured even though my own car insurance allows me to drive anybodys car TPFT ( with their consent of course ). So the only way around it was to insure the car I was to bring back on a short term policy which my insurers set up.
If you want to use a car on UK roads, it must be Insured by its legal owner , taxed for the correct class, and if over 3 years old, MOT'd.
If any of these requirements are not met, the car cannot be used, must be taken off the road, and must be Sorned. No
loopholes anymore.
Try convincing a police officer when you get stopped if you don't believe me. They have heard it all too!!
Just going round in circles mate, and you clearly don't believe anyone, so I'm out on this one now.
If any of these requirements are not met, the car cannot be used, must be taken off the road, and must be Sorned. No
loopholes anymore.
Try convincing a police officer when you get stopped if you don't believe me. They have heard it all too!!
Just going round in circles mate, and you clearly don't believe anyone, so I'm out on this one now.
This gives confirmation:
http:// www.mib .org.uk /motor+ insuran ce+data base/en /contin uous+in surance +enforc ement/d efault. htm
In short, if it has been declared off the road by means of a SORN it cannot be driven (whether it is insured or not). If it has not been SORNed it must be insured in its own right. This has been the case since about 2011.
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In short, if it has been declared off the road by means of a SORN it cannot be driven (whether it is insured or not). If it has not been SORNed it must be insured in its own right. This has been the case since about 2011.
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Some policies giving driving other cars (DOC) cover make it conditional upon the driven car having insurance in its own right. Most don't have such a condition - and the cover is third party only (not TPF&T), and must have the policyholder's permission.
As far as I know, there is no legal requirement for the owner to insure the car. The RTA merely requires that the user of the car must take out insurance - which can be anyone, as long as they have an insurable interest. Registered vehicles must either be SORNd or insured. So I would have thought it would be OK for anyone with DOC insurance to drive the car, assuming it is otherwise street legal.
As far as I know, there is no legal requirement for the owner to insure the car. The RTA merely requires that the user of the car must take out insurance - which can be anyone, as long as they have an insurable interest. Registered vehicles must either be SORNd or insured. So I would have thought it would be OK for anyone with DOC insurance to drive the car, assuming it is otherwise street legal.