Car insurance again!!

[supersmashinggreat]

Helpfully, discothequedave & bighobbo helped me with advice last time i asked, but i did not really get my question answered.

I if buy a car off ebay & put the paperwork in my dads name, can i legally drive it off myself? (i can drive another vehicle on my insurance) & would this extend to a small van?


Thanks

[salopstick]

you can only drive another vehicle on your insurance if that vehicloe is not owned by you and the owner has insurance for it

you wont be driving anyone elses car on your insurance unless it says it on your policy

IF YOU ARE UNDER 25 IT WONT BE ON YOUR POLICY UNLESS YOU HAVE ASKED FOR IT AND ARE PAYING THE EXTRA PREMIUM.

[lordb]

driving other cars extension is for EMERGENCY use only @ the insurers discretion

i.e rushing someone to hopital - thats an emergency
driving to the shops isnt.

in practice as the police are as clueless as the majority of people re insurance as long as you have DOC then its highly unlikely you would get 'done'
you wouldnt be insured though in reality,although again insures would pay out for a TP claim anyway

if you want to be insured on someone elses vehicle than you nedd to be named on their policy unless they have an Any Driver policy & even then you need to check the age restrictions.Also AD driving woukd normally only cover SDP use.

if you driving a small van presumably that is for some kind of business or commercial use in which case Any Driver policies are more likely.

[supersmashinggreat]

"you can only drive another vehicle on your insurance if that vehicloe is not owned by you and the owner has insurance for it

you wont be driving anyone elses car on your insurance unless it says it on your policy"[/font][/color]


But as i said, if i purchase a car off ebay & sign the paperwork over to my dad, then the car is legally my dads, surely my insurance would cover this (as i said i'm insured to drive others people cars as long as it is not my own)

The below came from bighobbo on the oatcake

It is a common misconception that the vehicle has to be insured by someone else. If you read the wording on the certificate of insurance and most policy documents there is no mention that the vehicle has to be insured.

[GRUMPY 1]

Have you thought of asking your insurance company?

I'm sure they would be able to tell you.

[salopstick]

Jul 15, 2008 13:04:49 GMT @supersmashinggreat said:

"you can only drive another vehicle on your insurance if that vehicloe is not owned by you and the owner has insurance for it

you wont be driving anyone elses car on your insurance unless it says it on your policy"

[/font][/color]


But as i said, if i purchase a car off ebay & sign the paperwork over to my dad, then the car is legally my dads, surely my insurance would cover this (as i said i'm insured to drive others people cars as long as it is not my own)

imagine the scenerario where you can afford a vintage ferrarri but cannot afford the insurance, simply sign them over to your old man and drive them on your shitty fiesta insurance.

any body else's car you drive has to be insured by the owner simply to stop the above happening.

there are age restrictions for exactly the same reason

The below came from bighobbo on the oatcake

It is a common misconception that the vehicle has to be insured by someone else. If you read the wording on the certificate of insurance and most policy documents there is no mention that the vehicle has to be insured.[/quote]

[basingstokie]

You can put it in ur Dad's name and have you as a named driver, but if you crash or whatever and insurers discover you were the main driver then they will not pay out, for you or whoever you hit and you had better get used to porridge

Your own insurance will probably only cover you for 3rd party, so best not go down that route if the van is worth a few quid.

In any event, best check with insurers to be safe