Car Insurance

[Prestwich_Blue]

Sorry mate but that's rubbish. The owner HAS to have Third Party insurance at least.

I suggest you ring the road policing unit at GMP then pb and tell them they're wrong!

They are wrong. It's the law but when did that ever bother the police?

 

[Franny Lee's Barrel Chest]

The wording is that if you are fully comprehensive, you can drive other vehicles "With the policyholders permission"

This means that the vehicle you intend to drive HAS to be insured in its own right.

Imagine the scenario of your car on a road, uninsured, that was unattended. You'd failed to set the handbrake and it rolled down the road and hit another vehicle, or worse, hit a person. Who's insurance pays for it?

Also, if you do drive a car that isn't insured in it's own right, and you get stopped, the vehicle will be seized, and will only be released on production of valid insurance for that vehicle. So if you're a long way from home, not only will the owner have to schlep it up there, they're going to have to sort out insurance too.

And if you take a risk on not getting stopped, don't go on the motorway, or any major roads, as most traffic cars and all motorway cars have ANPR cameras, which immediately flag up a vehicle which isn't insured and on the motor insurance database.

 

[Mental_blue]

The wording is that if you are fully comprehensive, you can drive other vehicles "With the policyholders permission"

This means that the vehicle you intend to drive HAS to be insured in its own right.

Imagine the scenario of your car on a road, uninsured, that was unattended. You'd failed to set the handbrake and it rolled down the road and hit another vehicle, or worse, hit a person. Who's insurance pays for it?

Also, if you do drive a car that isn't insured in it's own right, and you get stopped, the vehicle will be seized, and will only be released on production of valid insurance for that vehicle. So if you're a long way from home, not only will the owner have to schlep it up there, they're going to have to sort out insurance too.

And if you take a risk on not getting stopped, don't go on the motorway, or any major roads, as most traffic cars and all motorway cars have ANPR cameras, which immediately flag up a vehicle which isn't insured and on the motor insurance database.

I make you right on all these points. As I said, it happened to a friend of mine.

 

[The Fat el Hombre]

Cheers guys

This means that the vehicle you intend to drive HAS to be insured in its own right.

Does it have to be insured in it's own right by the person who owns the car, or can my mum insure my car and that's perfectly fine?

 

[Prestwich_Blue]

Cheers guys

This means that the vehicle you intend to drive HAS to be insured in its own right.

Does it have to be insured in it's own right by the person who owns the car, or can my mum insure my car and that's perfectly fine?

Lots of people do that because it's cheaper but strictly speaking it's not allowed. If you had an accident and the insurance company became aware that you were the owner, or even just the main driver, then that would invalidate the policy.

 

[mancity dan]

Cheers guys

This means that the vehicle you intend to drive HAS to be insured in its own right.

Does it have to be insured in it's own right by the person who owns the car, or can my mum insure my car and that's perfectly fine?

I work in insurance mate and you will have to insure your car to allow others to use it. They will only be covered Third Party Only. One other option which can sometimes be cheaper is insuring all of you on the policy as some insurers give extra discounts if you have more than one driver on a policy.

 

[DiscoSteve]

last point is correct - I've just sorted insurance on a car for my 17yr old daughter with her as main driver - when I add me or her mother on it as named driver premium reduced by £200 - adding BOTH of us saved ANOTHER £200 - bizarre

 

[mancity dan]

last point is correct - I've just sorted insurance on a car for my 17yr old daughter with her as main driver - when I add me or her mother on it as named driver premium reduced by £200 - adding BOTH of us saved ANOTHER £200 - bizarre

Glad I can help

 

[shadygiz]

i own my bmw, but the missus drives it and it is insured in her name and paid for out of my bank account :S

therefore, i dont have insurance on my own car, but my missus does

 

[mancity dan]

i own my bmw, but the missus drives it and it is insured in her name and paid for out of my bank account :S

therefore, i dont have insurance on my own car, but my missus does

Your wife will have the extension to drive other people's cars as she is the policyholder shady