Buying A Car Possibly

[davey205 7 1 Cars]

If you go to buy a car can you drive it home provided you are fully comp on another car?

[NeilGTi85 5]

If you look on your insurance certificate, it should say whever your coverd or not.

 

Normally on fully comp policy you are coverd

[rescue dude 0]

I don't think you can as you are now the owner of that car. You could if you wern't the owner.

 

I'd contact your insurance company and tell them you may need cover for it and will call them to confirm.

[rescue dude 0]

If you look on your insurance certificate, it should say whever your coverd or not.

 

Normally on fully comp policy you are coverd

 

It'll probably say you'll be covered 3rd party for any car that you don't own.

[NeilGTi85 5]

Quite true, but you are not officily the owner though, as you/other party have not sent the V5......

[rescue dude 0]

Quite true, but you are not officily the owner though, as you/other party have not sent the V5......

 

 

The V5 is not proof of ownership.

[NeilGTi85 5]

Just phone your insurance as said and get it switched over or get temporey cover.

 

Just in case you do get pulled over etc....

[richsmells 2]

Usually if you're over 25 and fully comp or whatever, but it does vary from insurer to insurer. I'm 23 and fully comp, but my policy clearly states i'm not covered to drive other cars with the owner's permission. I have phoned up before and they've given me temp cover on a new car for a few quid.

 

Even so, you're usually only third party covered on the other car, so don't bend it!

Edited June 18, 2010 by richsmells

[DaveW 6]

I think the car needs to be inusred as well...the one your buying that is so that you can drive it..

Edited June 18, 2010 by DaveW

[rescue dude 0]

I think the car needs to be inusred as well...the one your buying that is so that you can drive it..

 

 

It does indeed.

[Wallby 39]

Im not sure it does have to be insured. When I bought my car and had to get it back, my dad drove it back as his insurance covered him to drive any other car 3rd party.

I even made him ring his insurance company to check if the car had to be insured, but they said no because the driver is insured.

[GLPoomobile 958]

When asking on a forum, you will always get conflicting/confusing advice, because no matter how confident some people are in their own knowledge, many of them will inevitably be wrong

 

On that basis, you should always query it with your insurer directly, particularly as you may have specific T&Cs/clauses in your policy.

[muddatrucker 125]

Car needs to have an insurance policy on it and you can't be the owner of the car, otherwise we'd all be insured on Fiat Cinquento's and driving Enzo's.

[Masekwm 2]

Car needs to have an insurance policy on it and you can't be the owner of the car, otherwise we'd all be insured on Fiat Cinquento's and driving Enzo's.

 

According to my insurance company the other car doesn't need an insurance policy whilst it's being driven as my policy is in effect, it's only if the car is subsequently parked it becomes an issue.

 

Easy way is to put all the quick cars in your wifes name

[RHULPUG 0]

Car needs to have an insurance policy on it

Not true.

 

I see your logic but that's no longer the case. I queried the 3rd party cover that comes with my fully comp insurance for the 205 and they stated that any vehicle below £40k market value, not registered in my name and provided my licence entitles me to drive such a vehicle and I'm not unfit through drink or drugs then I am insured to drive with 3rd Party Only liability cover.

 

Therefore, in the event of an accident, if I am driving e.g. New £35k Jag and it's destroyed then the insurance will not cover a penny of the damage. However, if I drive the vehicle into a house and the house collapses, then my insurer will cover the 3rd party up to an amount specified in your insurance docs...and hopefully which covers all of the damage.

 

If you buy a new car and the docs state that it's now in your name then it is almost certain that you will not be covered to drive that vehicle under your current insurance policy.

 

It's also a widespread myth that just because you have a fully comp insurance policy and maybe over 25 that you are entitled to drive any vehicle with 3rd party cover. As said above, if in doubt always check with your insurance company.

 

Edit:- Also, you cannot leave the vehicle you are driving on the 3rd party cover on a public road if it isn't insured by anyone else. I.e. it is only insured whilst you are driving it. I queried this for example when stopping at a petrol station and was told it's a grey area and up to the Police.

Edited June 18, 2010 by RHULPUG

[C_W 3 1 Cars]

Not true.

 

I see your logic but that's no longer the case. I queried the 3rd party cover that comes with my fully comp insurance for the 205 and they stated that any vehicle below £40k market value, not registered in my name and provided my licence entitles me to drive such a vehicle and I'm not unfit through drink or drugs then I am insured to drive with 3rd Party Only liability cover.

 

Yes but the car you're driving needs an insurance policy against it, this may not have been mentioend as they assume the car you're borrowing is insured in the owner's name, and yes you will be driving on YOUR insurance 3rd party, as the owner's insurance doesn't have you as a named driver. AFAIK this was the loophole that was closed a while back to prevent people buying a cheap car, getting a fully comp insurance policy on it then driving something otherwise uninsurable for them (ie high performance cars).

 

If the car doesn't have an insurance policy against it it will flag up on a police computer check (or www.ASKMID.co.uk etc), if it doesn't have one then the car is techinically uninsured.

 

So the only way to drive it back on your own current fully comp policy is if the current owner/seller still has an insurance policy on it. That's how I see it anyway.

[RHULPUG 0]

Yes but the car you're driving needs an insurance policy against it

 

I can only go on the information provided by my current insurers, but the same applies for me with 2 separate insurers (Sky for the 205 and Zurich for my Insignia). They have both advised that provided I drive another car which has no other insurance from one private off road address to another and do not leave the vehicle unattended parked up on a public road then I am not committing any offences...hence my questioning of what happens when I need to stop for fuel and the response was it's up to the discretion of any Police officer at the time.

 

 

edit:- With reference to AskMid.co.uk I would imagine there must be thousands of uninsured cars that get driven by traders all the time on their own individual insurance which will still flag on an ANPR camera.

Edited June 18, 2010 by RHULPUG

[davey205 7 1 Cars]

Decided not to chance it as looking at my insurance policy it says something about not being allowed to do that, its a bit difficult to understand.

I tried to get temporary cover but noone will touch me as i'm 23.

[Simes 248 2 Cars]

Basically:

 

Ring up insurance company

Get a temporary cover note.

Drive home.

[C_W 3 1 Cars]

edit:- With reference to AskMid.co.uk I would imagine there must be thousands of uninsured cars that get driven by traders all the time on their own individual insurance which will still flag on an ANPR camera.

 

With a trader's policy if it got flagged up having no specific insurance they would be able to produce insurance for the vehicle under their trader's policy, therefore the car is not uninsured with them driving. Also, what is to stop you applying your own insurance in that way?

[C_W 3 1 Cars]

Decided not to chance it as looking at my insurance policy it says something about not being allowed to do that, its a bit difficult to understand.

I tried to get temporary cover but noone will touch me as i'm 23.

 

Most policies for under 25s, even if fully comp, don't cover driving other cars.

 

However, the requirement for the other vehicle's insurance still stands IMO.

[C_W 3 1 Cars]

Rhulpug, this may clear it up; seems to be a bizarre rule of insurance and probably not something anyone would find out about unless the driver or owner told the insurance company.

 

"One more thing to beware of is that the 'driving other cars' extension gives you just the basic insurance cover allowed by law. This is called Road Traffic Act cover, which is even less than third-party only insurance. The nub of this is, if you have an expensive accident whilst driving someone else's car, you may end up being liable for part of the other party's claim!

 

Also, when you park a car driven on this extension and walk away, it is no longer insured at all, which means you cannot claim for damage, fire or theft. At least, not until a named driver on the policy takes control of the vehicle again. Therefore you should use this extension as a last resort."

 

So basically, unless you park it off road when you've driven it, the owner or named driver on the car's policy must drive it last by the sounds of it. Not heard of this before and sounds bit daft to me. But in any case the car itself has to have an insurance policy on it.

 

Have seen this on Traffic Cops (or something like that) where someone's stopped, insurance check comes back as none recorded; they profess they're covered under fully comp. Result is the car gets towed away.

[DaveW 6]

Yeah now this is getting very confusing, just get temp cover from your inusrer, the whole full comp thing is not true at all im tpft on my mondeo but my insurer highway will allow me to drive other cars

[C_W 3 1 Cars]

The best way is to ring your insurer up and ask for temporary cover. If you're buying a car to replace one you're selling my insurer were great and allowed a 7day overlap and it cost about £6 or something daft to have both cars insured whilst the old car was sold. This was great as it meant the car was insured still for test drives etc whilst the new car was in use too.

[richsmells 2]

The best way is to ring your insurer up and ask for temporary cover. If you're buying a car to replace one you're selling my insurer were great and allowed a 7day overlap and it cost about £6 or something daft to have both cars insured whilst the old car was sold. This was great as it meant the car was insured still for test drives etc whilst the new car was in use too.

 

This is what i've done and cost me £20 for 9 days. DTurbo powaaa!

Edited June 18, 2010 by richsmells