Third party insurance

[bash123]

I have a fully comp insurance. i want to drive someone's else car, which does not have any car insurance, can I drive the car as third party ? merry xmas

[Toureman]

Usually, yes.

Check your policy to make sure, it will tell you.

[homer75]

Other car must have a current insurance policy on it. You can't drive it third party on your own policy if it is not insured.

[Ethel]

Homer is correct. All vehicles must be insured in their own right to be driven on a public highway.

[Panic Button]

Beware though. As Toureman says, check your policy. Some insurance companies are removing the cover for other vehicles as they realised people were abusing it to drive a car regularly. It is intended for occasional 'emergency' events.

[NORMANTHEDOG]

you can allways insure the car for one day,norwich union do it.

[kempie]

I disagree with homer75 & Ethel. The various Road Traffic Acts (1988, 1991, 2000 etc.) state specifically "Users of motor vehicles to be insured or secured against third-party risks". To comply with the law either the user is the source of this cover or the vehicle; it is not a necessity that both are.

http://www.opsi.gov.uk/acts/acts1988/Ukpga_198 80052_en_7.htm#mdiv143
http://www.opsi.gov.uk/SI/si2000/20000726.htm

Consider this situation...

The registered keeper of a vehicle will be out of the UK for 3 weeks and his insurance policy for that car is due to expire at the start of this absence. He decides not to renew the policy until his return and so keeps his car "off road" (i.e. not on a road or other public place) but does not declare SORN. Thus the car is registered with the DVLA, taxed, has an MOT but no insurance "in its own right".

Whilst the keeper is away he gives permission for his friend, who has third party cover for "any other vehicle" as part of his own insurance policy, to use the car if needed.

Provided the friend adheres to the Ts & Cs of his own policy (e.g. he may be limited to "emergency use only") then all legal obligations have been satisfied and the car may be driven on the road (or other public place).

[funkymoped]

cant be done bash ! any vehicle you drive must have insurance on it....
i know from first hand experience !!!
a friend of mine was "caught" riding a bike i loaned to him.
he was covered by his own insurance, my bike wasnt.
it was taxed and mot`d and in perfect condition.
he was pulled by the law and done for not having insurance.
the law were going to do me for aiding and abetting !!!

[kempie]

...my mistake. I obviously missed the anouncement that the Road Safety Act 2006 had passed into law last month.

http://www.opsi.gov.uk/acts/acts2006/20060049. htm

Not surprising, I suppose, when you consider that the current Government has introduced over 3000 new criminal offences during the 9� years they have been in power.

[kempie]

... although the relevant section of the Act has yet to come into force so ignore my previous post.