After some general advice.My Girlfriends Car Insurance has run out,the vehicle is not parked on the road, but i was wondering can i still drive her car under my insurance or does the owner of the car ie her have to have insurance.

It states on my insurance cover that i am allowed to drive any "other" vehicle, provided that i am not the owner, or hired to me and that i would only be covered third party fire and theft.

Cheers

The other car has to be insured for your third party driving to be valid.

Can these help you:

https://www.tempcover.com/

The other car has to be insured for your third party driving to be valid.

This is my understanding too.

As posted, tempcover or norwich union short term cover could be the way forward

I'd be inclined to ring your insurance company, explain the circumstances, and get a definitive answer, making a note of the name of the person you speak to

I'd be inclined to ring your insurance company, explain the circumstances, and get a definitive answer, making a note of the name of the person you speak to

Me too. I always used to take it that the other car did not need a policy on it, but several people have said exactly the same as mk4gtiturbo did above, so the only safe option is to ask, or use temporary cover.

Cheers guys,you confirmed my initial thoughts.She is insuring the car next Friday.

Thanks

The other car has to be insured for your third party driving to be valid.

Not necessarily , no.

If your policy makes no such statement then it doesn't need another policy to be in force.

What *is* a tricky area when no other policy is in force is what happens if you park up on a public road - then it's on a road and is not insured.

Not necessarily , no.

If your policy makes no such statement then it doesn't need another policy to be in force.

What *is* a tricky area when no other policy is in force is what happens if you park up on a public road - then it's on a road and is not insured.

How about if ypu get ANPR'd and stopped? Is it hard to prove cover?

How about if ypu get ANPR'd and stopped? Is it hard to prove cover?

Only trade insurance would let you drive an otherwise unisured car. Normal policies are as described above by previous posters. if you are caught by an ANPR detector the police will ask to see your ins. policy, just in case the insurance co. have not registered the car as insured. Some people have up to now had their car seized and crushed just because the "Computer" did not have their insurance details registered.

The policies I've had specifically state that a vehicle must be insured fully comp before I can drive it with 3rd party cover. Without that clause, it would be a very cheap way to own and drive powerful cars which would normally command a high premium

For fully comp, temporary cover, I've used Short Term Car Insurance | Temporary Car Insurance | Daily Insurance | Daily Motorbike Insurance | Temporary Motorhome Insurance but never had to test them by claiming...

Chris

Many policies will show "can drive other cars" but unless you meet the insurers age and other requirements, then although stated, you actually have no cover for driving other cars.

As others have said, confirm with your insurer.

The policies I've had specifically state that a vehicle must be insured fully comp before I can drive it with 3rd party cover. Without that clause, it would be a very cheap way to own and drive powerful cars which would normally command a high premium

You wouldn't actually be able to own the other powerful cars, since most any vehicle policies will cover you for the vehicle you own, and any other vehicle that you are not the owner of, or have not obtained under a hire purchase agreement

You wouldn't actually be able to own the other powerful cars, since most any vehicle policies will cover you for the vehicle you own, and any other vehicle that you are not the owner of, or have not obtained under a hire purchase agreement

Good point - by own, I meant SWMBO could own, buy and run it and I would just get to drive it

Chris

How about if ypu get ANPR'd and stopped? Is it hard to prove cover?

I don't see any problems with the police being able to check if you had insurance cover to drive other vehicles. However, if you are sitting in the back of their car while they do that check, the car you had been driving would be sitting on the public highway uninsured...:(

Some people have up to now had their car seized and crushed just because the "Computer" did not have their insurance details registered.

Thats quite a sweeping statement...

People have had their cars seized and crushed because they have NO insurance, not because the "computer" did not have their insurance details registered. Any cars seized are pounded for several days if not a few weeks to give the owner a chance to either prove they have insurance or go out and buy insurance. We all know that government run computers make errors so the police wouldnt rely on that information alone to crush a vehicle immediately.

Steve

Dependant on policy type as others have said you're usually covered to drive "any vehicle not owned by the insured with the owners permission on a third party only basis". I've not seen the proviso that it has to be insured anywhere else, as fully comp insurance wouldn't come into effect unless it was left parked on the roadside. A vehicle has to have a minimum of 3rd party cover to be driven or parked on the road. If you have comprehensive cover and allow an un-named driver to use your vehicle based on their own insurance policy covering them to drive other cars then in the event of an accident any damage to a 3rd party will be covered but no cover for your own vehicle will be provided. So saying that you can drive any vehicle on a 3rd party only basis as long as it's insured elsewhere is a pointless statement. You cannot park an uninsured vehicle on the public highway (which I guess includes supermarket carparks etc.) because as soon as you step out of the vehicle it is no longer insured. ANPR cameras would just issue you with a producer as far as I'm aware so I guess as long as you can prove that you have valid insurance to drive the vehicle under your own policy and the vehicle was taxed and mot'd then it shouldn't be an issue.

Policies do have a new clause coming in where you cannot use your driving other cars cover to collect a vehicle that has been impounded by the police to stop people retrieving uninsured vehicles from the compound with what is effectively legal cover only to leave them uninsured all over again.

Also you have to be over 25 for the majority of driving other cars type of cover.

I've put this clause to the test by driving a another car ( not insured elsewhere) and being stopped, everything went OK with my 3rd party clause, I asked the Police about parking and leaving they said it should be Ok away from the registered address as long as I could prove I was in charge of the vehicle, still quite grey about that wording.

The other car has to be insured for your third party driving to be valid.

This is not true at all.

A few insurance policies will state this.

However many don't and where it is not stated then no, the vehicle does not need to be insured by anyone else before your DOC comes into play.

I must admit that I haven't checked my current More Than policy, however I have driven an uninsured vehicle under my DOC in the past.

As somebody else said, the problem is parking the vehicle - as soon as you walk away from the vehicle your DOC no longer covers it, so if it's parked on a public road it would be uninsured.

The police should have known this - the DOC only covers you while you are driving the vehicle, as soon as you park and leave it is no longer covered (unless somebody else has got the vehicle insured, in that case as you walk away their insurance takes over).

As for "people have had their cars crushed because of a computer glitch" this is incorrect.

Police have to air on the side of caution because crushing a vehicle that was 100% legal would result in nasty law suits.

At the roadside the police ahd to do everything possible to confirm or deny your insurance cover.

So if you explained that you were driving under DOC, they would have to contact your insurance company and get confirmation you were telling the truth or not.

If they are unable to confirm they have to let you drive away and give you a producer - they cannot tow away the vehicle if there is any element of doubt.