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Post by supersmashinggreat on Jul 9, 2008 13:26:20 GMT
I can drive anyone elses car on my insurance, but if i buy a small van & put it in my dads name, will my insurance cover it, or is only limited to cars?
thanks in advance
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Post by Stafford-Stokie on Jul 9, 2008 13:28:00 GMT
I am pretty sure the vehicle needs to be insured by the owner so that your insurance is valid,
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Post by salopstick on Jul 9, 2008 13:31:38 GMT
I am pretty sure the vehicle needs to be insured by the owner so that your insurance is valid, quite correct, that stops your wife having a fleet of unisured vintage astons and your fully comp on a 1993 ford fiesta driving them |
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Post by supersmashinggreat on Jul 9, 2008 13:35:06 GMT
wow, did'nt know that,makes sense though.
& if it was insured, would my insurance cover me to drive a small van?
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Post by salopstick on Jul 9, 2008 13:36:30 GMT
only if your fully comp AND IT SAYS IT ON YOUR POLICY
not normally avilable to under 25s for the same reason
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Post by Stafford-Stokie on Jul 9, 2008 13:37:45 GMT
Check the wording but I think you are insured to drive any vehicle you are licenced to drive. I.e car, Bike or van.
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Post by supersmashinggreat on Jul 9, 2008 13:43:04 GMT
cheers guys
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Post by lawrieleslie on Jul 9, 2008 17:15:31 GMT
Also check your insurance schedule because a lot of companies are now only insuring you third party to drive someone elses vehicle even though you have fully comp for your own !!
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Post by Huddysleftfoot on Jul 9, 2008 17:24:42 GMT
Also check your insurance schedule because a lot of companies are now only insuring you third party to drive someone elses vehicle even though you have fully comp for your own !! Spot on there, even if you are fully comp, you will only be third party driving another vehicle not registered to you. |
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Post by LL Cool Dave on Jul 9, 2008 17:31:43 GMT
Also check your insurance schedule because a lot of companies are now only insuring you third party to drive someone elses vehicle even though you have fully comp for your own !! Not sure why you're suprised at this, this has been the case for years. |
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Post by bighobbo on Jul 9, 2008 18:06:05 GMT
The first thing to do is check your Certificate of Motor Insurance (not a covernote).
If it's not on there then that stops you straightway. The wording will be something along the lines of "The Policyholder may drive any motor car not belonging....." etc.
However as someone stated the cover is limited to the minimum cover required by the Road Traffic Act which is known as Third Party Only.
The vehicle doesn't have to be insured although it cannot be owned and registered in your name.
In answer to your question, if your thinking of driving a van under this I would suggest you check the wording carefully. The usual wording used by most insurance companies state, a Private Motor Car. Therefore if you were driving a van then you wouldn't be covered.
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Post by LL Cool Dave on Jul 9, 2008 18:22:13 GMT
The vehicle doesn't have to be insured although it cannot be owned and registered in your name. Incorrect. The othe vehicle must be insured by somebody else. |
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Post by bighobbo on Jul 9, 2008 18:25:36 GMT
It's not incorrect at all.
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.
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Post by LL Cool Dave on Jul 9, 2008 19:00:40 GMT
I sell insurance for a living, but i'll take your word for it, mate.
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Post by salopstick on Jul 9, 2008 19:10:35 GMT
I sell insurance for a living, but i'll take your word for it, mate. WILL YOU DO ME MATES RATES IN FEBRUARY |
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Post by bighobbo on Jul 9, 2008 19:16:17 GMT
Fair do's mate although you probably sell the policies I underwrite!!!! small world.
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Post by LL Cool Dave on Jul 9, 2008 20:54:39 GMT
I sell insurance for a living, but i'll take your word for it, mate. WILL YOU DO ME MATES RATES IN FEBRUARY Yeah can do, not too good on cars though to be honest, especially younger drivers. better on bikes. |
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Post by Northy on Jul 10, 2008 6:18:05 GMT
www.dayinsure.com A short term car insurance company who seem to be advertising in all the gents toilets on the motorway service stations I've stopped at recently. just in case you need to get some 
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Post by Deleted on Jul 10, 2008 9:14:34 GMT
WILL YOU DO ME MATES RATES IN FEBRUARY Yeah can do, not too good on cars though to be honest, especially younger drivers. better on bikes. I think my insurance runs out on my gilera coguar 125 in september(on my cbt), by then, ridden 1 year only, not claimed on insurance, what sort of prices can you give? |
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