ardasaliah Posted April 11, 2008 Share Posted April 11, 2008 Hi- I have recently bought a golf tdi and transfered the insurance from my Impreza to my golf. My question is... I have fully comp insurance which lets you drive another car 3rd party. Can I legally drive the impreza 3rd party if it is tax. The impreza won't be listed on any insurance data base so i guess i risk being pulled up by the police with their new camera detection systems. If the car was not legally mine then can I legally drive the car. E.g "sold the car to my brother the paper works in the post" so it not legally mine. Just in a difficult position for test drives as I am selling my car. Quote Link to comment Share on other sites More sharing options...
Aero-M Posted April 11, 2008 Share Posted April 11, 2008 you can only drive another car third party if it is has insurance on it. Quote Link to comment Share on other sites More sharing options...
Al Massey Posted April 11, 2008 Share Posted April 11, 2008 you can only drive it 3rd party if the car was fully insured so basically you can drive someone elses car if theirs was fully comp Quote Link to comment Share on other sites More sharing options...
garethr Posted April 11, 2008 Share Posted April 11, 2008 Your policy says something like "you may drive a car which is not owned by you or hired to you under a hire-purchase agreement". It seems to be generally accepted that the other car must have its own insurance, but apparently that's not true with all insurance companies. You'd have to look at the policy wording and check with the insurer. Quote Link to comment Share on other sites More sharing options...
Class One Posted April 11, 2008 Share Posted April 11, 2008 6 points + a £200 fine. Is it worth it? Edit to add there are ANPR cameras everywhere in London. Quote Link to comment Share on other sites More sharing options...
ardasaliah Posted April 11, 2008 Author Share Posted April 11, 2008 6 points + a £200 fine. Is it worth it? Edit to add there are ANPR cameras everywhere in London. don't get me wrong I wont drive unless it was legal. Just wanted to know. I thought the driver was the one who was insred not the car? So I better check with the insurance company. cheers Quote Link to comment Share on other sites More sharing options...
Scooter Posted April 11, 2008 Share Posted April 11, 2008 ok hypothetical question................... Say i'm getting a lift in a car with my two married friends, Andy and Elaine. Andy has never learnt to drive, so Elaine is driving us despite being 8 months pregnant. She experiences severe abdonimal pain such that she is forced to stop and can no longer drive. Being only a mile or two from the hospital we decide that i'll drive us straight there as i have such a clause in my insurance. Unbeknown to me their insurance expired last week. I crash or am involved in a crash on the way to the hospital, am i insured.............legal or not legal? Quote Link to comment Share on other sites More sharing options...
ivan Posted April 11, 2008 Share Posted April 11, 2008 Not legal. Quote Link to comment Share on other sites More sharing options...
jazz1 Posted April 11, 2008 Share Posted April 11, 2008 im ok police cant touch me with my dads trade policy, i remember i was taken to court as the officer who stopped me said i had no insurance 2 years ago. When i showed the judge my dads trade policy he let me off lol, should of seen the offciers face i couldnt stop laughing:d Quote Link to comment Share on other sites More sharing options...
Class One Posted April 11, 2008 Share Posted April 11, 2008 Yay go Jazz, you da man! Quote Link to comment Share on other sites More sharing options...
RobSheffield Posted April 11, 2008 Share Posted April 11, 2008 Yay go Jazz, you da man! Does he have a certificate? Quote Link to comment Share on other sites More sharing options...
CJ Posted April 11, 2008 Share Posted April 11, 2008 im ok police cant touch me with my dads trade policy, i remember i was taken to court as the officer who stopped me said i had no insurance 2 years ago. When i showed the judge my dads trade policy he let me off lol, should of seen the offciers face i couldnt stop laughing:d Yet another post of the ilk to make me want to finish looking at the forum. Quote Link to comment Share on other sites More sharing options...
Scooter Posted April 11, 2008 Share Posted April 11, 2008 Not legal. .......it seems ridiculous to me that a clause designed to be used in "emergencies" is then only valid if there is an existing policy on the vehicle as you have no way of proving this in an emergency? Quote Link to comment Share on other sites More sharing options...
jazz1 Posted April 11, 2008 Share Posted April 11, 2008 Yet another post of the ilk to make me want to finish looking at the forum. well the insurance itself aint cheap:d Quote Link to comment Share on other sites More sharing options...
CJ Posted April 11, 2008 Share Posted April 11, 2008 well the insurance itself aint cheap:d You're not the sharpest knife in the rack are you? Quote Link to comment Share on other sites More sharing options...
jazz1 Posted April 11, 2008 Share Posted April 11, 2008 You're not the sharpest knife in the rack are you? well at least i aint stupid:) Quote Link to comment Share on other sites More sharing options...
michael Posted April 11, 2008 Share Posted April 11, 2008 You're not the sharpest knife in the rack are you? Like carving meat with the handle while holding onto the blade well at least i aint stupid:) The evidence presented to date doesn't really support your theory Quote Link to comment Share on other sites More sharing options...
CJ Posted April 11, 2008 Share Posted April 11, 2008 well at least i aint stupid:) I rest my case. Quote Link to comment Share on other sites More sharing options...
Pixelfill Posted April 11, 2008 Share Posted April 11, 2008 ok hypothetical question................... Say i'm getting a lift in a car with my two married friends, Andy and Elaine. Andy has never learnt to drive, so Elaine is driving us despite being 8 months pregnant. She experiences severe abdonimal pain such that she is forced to stop and can no longer drive. Being only a mile or two from the hospital we decide that i'll drive us straight there as i have such a clause in my insurance. Unbeknown to me their insurance expired last week. I crash or am involved in a crash on the way to the hospital, am i insured.............legal or not legal? Good question there, my interpretation would be that you would be legal (as long as you didn't park the car on a road) Elaine however would be in a word of hurt. (not just because of labor). Mike Quote Link to comment Share on other sites More sharing options...
jazz1 Posted April 11, 2008 Share Posted April 11, 2008 Like carving meat with the handle while holding onto the blade The evidence presented to date doesn't really support your theory Quote Link to comment Share on other sites More sharing options...
drnas78 Posted April 12, 2008 Share Posted April 12, 2008 Ive borrowed mates car before (spare car) has tax MOT but not insured ive got stopped routine stop checks they do in the area gave me a producer, took MOT producer and my insurance didnt cause any problems they gave me a print out to say ive produced and that was it... have i been lucky or is this how it normally works Quote Link to comment Share on other sites More sharing options...
mathew Posted April 12, 2008 Share Posted April 12, 2008 Ive borrowed mates car before (spare car) has tax MOT but not insured ive got stopped routine stop checks they do in the area gave me a producer, took MOT producer and my insurance didnt cause any problems they gave me a print out to say ive produced and that was it... have i been lucky or is this how it normally works cant they check on their system when they pull you over if the car has or has not got insurance on it?? Quote Link to comment Share on other sites More sharing options...
dangerous brain Posted April 12, 2008 Share Posted April 12, 2008 I was under the impression the vehicle itself had to be insured as well. Otherwise what would stop el matey buying a 2cv, fully comping it up and then driving around "his mates" brand new lambo?? I think in some circumstance like petes alluded to the circumstance might be taken into account or the offence over looked but I certainly wouldn't rely on it. Quote Link to comment Share on other sites More sharing options...
Dr_Doom Posted April 12, 2008 Share Posted April 12, 2008 I was in a similar situation a week ago when I borrowed a friends uninsured fiesta while the supra was getting fixed. I phoned my insurance company twice, just to double check, and they said that I WAS covered. They said that the car doesn't have to be insured but they advise that it is because once you park & leave the vehicle it wouldn't be covered. I kept my insurance document in my pocket while I was driving just in case I was stopped I'm insured with elephant by the way Quote Link to comment Share on other sites More sharing options...
drnas78 Posted April 12, 2008 Share Posted April 12, 2008 Well when they did pull me i told them its mates car. I think real purpose of that is emergency use of another car, young drivers sometimes get fully comp on a small vechile micra corsa etc, and then drive powerful cars which is on the mates or other family member name as they are covered 3rd party..... what insurance companys tend to say is you are covered as long as vechile is not in your name and again really for emergency use, thats what mines say but worth checking with your own to be safe Quote Link to comment Share on other sites More sharing options...
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