_Lynz_ Posted October 26, 2008 Share Posted October 26, 2008 Don't know whether anyone can shed any light on this for me but any advice would be great. I had insurance on my Audi which ran out in September. As I was no longer using the car and it was up for sale I never renewed the policy. Now the car has sold, but the people who have bought it want me to meet them half way to drop the car off. So my question is do I need to take out insurance to drive the car, for one day, or will I be ok driving it as I am insured fully comp with my current policy for the Supra and therefore third party on this car? Just don't want to get halfway there and be pulled by the boys in blue. Thanks Quote Link to comment Share on other sites More sharing options...
Jamesy W Posted October 26, 2008 Share Posted October 26, 2008 Not 100% sure but, does the 3rd party thing not mean that the car must belong to someone else? Quote Link to comment Share on other sites More sharing options...
Konrad Posted October 26, 2008 Share Posted October 26, 2008 Audi needs temporary cover. Your third party cover works only under condition that other car is insured, but you are not additional driver Quote Link to comment Share on other sites More sharing options...
DodgyRog Posted October 26, 2008 Share Posted October 26, 2008 If you are the registered keeper, you will not be covered on your Supe insurance. You could ring your present insurer and see if they will cover you, but they will proberbly charge around £40 Quote Link to comment Share on other sites More sharing options...
Havard Posted October 26, 2008 Share Posted October 26, 2008 Does your Supra policy say that you are third party for another vehicle?? Also, the car you drive thrid party has to be insured under a policy also whether it's your own or someone elses. Therefore, no - you would not be covered..... Unless the people who are buying the car have a policy on it now..... H. Quote Link to comment Share on other sites More sharing options...
_Lynz_ Posted October 26, 2008 Author Share Posted October 26, 2008 So if someone else who has fully comp drove it would that get round that one? Quote Link to comment Share on other sites More sharing options...
AlanM Posted October 26, 2008 Share Posted October 26, 2008 So if someone else who has fully comp drove it would that get round that one? Only if the new owners have a policy out on it, which they will need obviously. But speak to them first to make sure they do Quote Link to comment Share on other sites More sharing options...
Pixelfill Posted October 26, 2008 Share Posted October 26, 2008 Lynz. There are a couple of ways around this: If you have sold the car, and filled in the paperwork already then you are no longer the registered keeper. the people meeting you halfway *must* have insurance, therefore you could use your third party cover to get to them. If you haven't yet done the deal then you are the registered keeper and therefore need fully comp cover. (if the car is ever left unattended on a public highway) The simpler option will be to get a days cover for the audi, RAC should be able to do you one (if you are registered with Quidco this should only cost you £1), or your current insurer for the Supe might do you one. or try http://www.dayinsure.com/ ( Don't risk driving without insurance, if you have an accident that is deemed to be your fault they'll throw the book at you. Mike Quote Link to comment Share on other sites More sharing options...
_Lynz_ Posted October 26, 2008 Author Share Posted October 26, 2008 Lynz. There are a couple of ways around this: If you have sold the car, and filled in the paperwork already then you are no longer the registered keeper. the people meeting you halfway *must* have insurance, therefore you could use your third party cover to get to them. If you haven't yet done the deal then you are the registered keeper and therefore need fully comp cover. (if the car is ever left unattended on a public highway) The simpler option will be to get a days cover for the audi, RAC should be able to do you one (if you are registered with Quidco this should only cost you £1), or your current insurer for the Supe might do you one. or try http://www.dayinsure.com/ ( Don't risk driving without insurance, if you have an accident that is deemed to be your fault they'll throw the book at you. Mike Thanks to everyone for the advice, definitely don't want to drive without insurance just wasn't sure how it all worked out. We haven't signed anything over yet Mike, but I could find out whether they intend to take the policy out on the day we meet as then I will be covered. To be honest I'll ring my own insurance first as then I know I'm insured, not relying on the word of anyone else (i.e. them telling me they have insurance to make mine valid) Quote Link to comment Share on other sites More sharing options...
heartworm Posted October 26, 2008 Share Posted October 26, 2008 dayinsure is good, only around a tenner Quote Link to comment Share on other sites More sharing options...
_Lynz_ Posted October 26, 2008 Author Share Posted October 26, 2008 dayinsure is good, only around a tenner Thats good to know thanks Quote Link to comment Share on other sites More sharing options...
Dr_Doom Posted October 26, 2008 Share Posted October 26, 2008 Your third party cover works only under condition that other car is insured Also, the car you drive third party has to be insured under a policy also whether it's your own or someone elses. The other car doesn't have to have insurance for you to drive it. It all depends on your insurance company. I borrowed a friend’s fiesta while the soop was in the garage. It was registered to him but not insured by anybody. I phoned my insurance company twice and spoke to different people to confirm this. They 'Recommend' that the car is insured but it is not compulsory. They said once it is parked up and nobody is in it then it's uninsured should anything happen to it. To quote my insurance certificate - "The Policyholder may also drive with the consent of the owner a private motor car not belonging to him/her and not hired to him/her under a Hire Purchase Agreement" It is a good idea to keep your insurance document on you though as the car will flag up as uninsured on the police's ANPR computer and chances are they will pull you over Quote Link to comment Share on other sites More sharing options...
_Lynz_ Posted October 26, 2008 Author Share Posted October 26, 2008 The other car doesn't have to have insurance for you to drive it. It all depends on your insurance company. I borrowed a friend’s fiesta while the soop was in the garage. It was registered to him but not insured by anybody. I phoned my insurance company twice and spoke to different people to confirm this. They 'Recommend' that the car is insured but it is not compulsory. They said once it is parked up and nobody is in it then it's uninsured should anything happen to it. To quote my insurance certificate - "The Policyholder may also drive with the consent of the owner a private motor car not belonging to him/her and not hired to him/her under a Hire Purchase Agreement" It is a good idea to keep your insurance document on you though as the car will flag up as uninsured on the police's ANPR computer and chances are they will pull you over So based on this then, if the car was registered to me but Ste was driving it (covered fully comp with his own policy, so third party on my car) would this be ok? Quote Link to comment Share on other sites More sharing options...
Dr_Doom Posted October 26, 2008 Share Posted October 26, 2008 So based on this then, if the car was registered to me but Ste was driving it (covered fully comp with his own policy, so third party on my car) would this be ok? Get Ste to ring his insurance company & check just to be on the safe side but in my case it would be I'm insured with elephant! Quote Link to comment Share on other sites More sharing options...
Pig Posted October 26, 2008 Share Posted October 26, 2008 So based on this then, if the car was registered to me but Ste was driving it (covered fully comp with his own policy, so third party on my car) would this be ok? In theory. Yep. There should be no prob there. Would check with someone a little more in the know though. Quote Link to comment Share on other sites More sharing options...
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