An un-insured driver, driving an insured car?

Luna & Lawnboy

I am not sure if you are in the US(your name has London in it), but if you are, the driver does not have to be insured. Generally, if the owner of the vehicle has insurance, the driver has permission to use the vehicle, and is not a regular user, then the driver and owner are both covered. Some insurances policies do have listed excluded drivers.

Michael G

You are not covered unless the owners policy states that any driver can drive the car, or your policy for your car states that you can drive any car. If it doesn't state that or words to that effect on either policy they can do you for driving without insurance!

Paul_1966

In the U.K., it is the driver who must carry liability insurance for his use of the car.

If you have a policy in your own name for your own vehicle, then it will typically have a clause which covers you to drive a car belonging to anyone else, with the owner's permission of course, regardless of whether there is a policy in effect naming that car specifically.

In the situation described though, where the driver does not have a policy in his own name, the legality would depend upon whether he is covered under the vehicle owner's policy. If the owner has insurance which either names the driver specifically or is for "any driver," then it's legal, otherwise the person would be driving uninsured.

Will the police catch on? If you are stopped and asked to produce your documents, then yes, since they will be running not only the car but also the driver.

anto687

When they check the plate, the name of the insured driver should show up, and they'll check this against your licence, so they'll catch on alright! As to the legality of it, I dunno, but I'd say it can't be good, as you are tecnically driving without insurance. If you were involved in an incident, the car wouldn't be covered by the insurance company, as an uninsured driver was driving.

Thunderdog

I may be wrong but I thought that as long as the driver has a policy in their name (not on someone elses as a named driver) for a vehicle they are covered by their insurer to drive any vehicle with the owners consent although it would be 3rd party only. ie. it would only pay out to the other involved parties & not the car they were in. Anyone driving needs insurance.

sunshine336

My daughter was not insured but wrecked my insured car. The insurance paid off because I had insurance on my car. She did not get a ticket and did not have to show proof of insurance on herself. If the auto is insured you should have no problem. You don't get an insurance card on a person...just on an auto.

Fellside13

A lot of the answers given could be untrue.

With the increasing use of the number plate recognition system a vehicle can be checked by the police without you knowing. If you are legal then you won't be stopped but if not, you can guarantee that they will know more than you think when they stop you!!.

If something is wrong, you'll be walking home as they can seize the vehicle and it will be costly to get it back!!

ANDY

HELLO
IF CHECKED AUTOMATICALLY THEN CAR IS CHECKED THAT THE CAR IS INSURED BY REGISTRATION AS THIS IS ON LOG BOOK
IF PULLED FIRST QUESTION IS
IS THIS YOUR CAR? THEY THEN CHECK RECORDED NAME OF OWNER.
NEXT MAY BE
LICENCE PLEASE?
IF YOUR NAME MATCHES REGISTERED OWNER
THE NEXT QUESTION WILL BE
ARE YOU INSURED. THEY WILL THEN CHECK IF CAR IS INSURED

IF YOUR NAME DOESN'T MATCH THE OWNERS THEN ITS IS THIS CAR INSURED FOR YOU?
WHOSE INSURANCE ARE YOU DRIVING ON?
AT THIS POINT THEY MAY BE ABLE TO INTERROGATE THE DATA BASE AND FIND OUT WHO IS COVERED ON THE CARS INSURANCE.
IF NOT THEY COULD CONTACT OWNER TO CHECK YOU HAVE HIS PERMISSION TO DRIVE HIS CAR AND GET COMPANY NAME OF INSURANCE AND CHECK DIRECTLY WITH THEM WHO IS COVERED ON THAT POLICY.
IF THEY CANNOT CHECK THIS IS WHEN THEY GIVE YOU A 7 DAY TO PRODUCE DOCUMENTS NOTIFICATION.
AS THIS MEANS YOU HAVE TO PRODUCE A MOTOR INSURANCE CERTIFICATE FOR YOU FOR THAT CAR.
SOME PEOPLE HAVE CARS INSURED FOR ANY DRIVER THIS WILL NORMALLY STIPULATE A MINIMUM AGE AND FULL LICENCE.
HOPE THIS CLEARS A FEW POINTS
IF YOU HAVE YOUR OWN VALID CAR INSURANCE THEN MOST WILL COVER A LEGALLY BORROWED CAR, AS LONG AS ITS NOT HIRED, BUT IF YOURS IS THIRD PARTY FIRE AND THEFT WILL DROP TO THIRD PARTY ONLY.I INCLUDE LAST AS YOU SAY YOUR OWN POLICY DOES NOT COVER YOU

sensible_man

In Arkansas, where I live, the insurance info is in the DMV database and available to law enforcement when they stop you. If you are stopped and not insured, you will walk from there and the vehicle towed.

playingforkeeps

It depends on what you get pulled over for. I have been in an accident where someone hit a car I was driving and I just gave them the owners insurance information.

Normally if you are getting pulled over, they don't ask you for proof of insurance unless you are in an accident. All you have to say is this is not my car but im authorized to drive it

Bull dog

As long as the car is insured you'll be fine. Just say i have insurance on my car but its in the shop, this is my a friends. And you wont get a ticket.

oklatom

Generally speaking, insurance goes with cars, not with drivers, and if you are driving someones car with their permission, are licensed, and not under 25, you're covered.

David M

In general, the insurance coverage goes with the car, not the driver. If the car is insured, anyone can drive it as long as they have the owner's permission. It shouldn't matter if the driver has insurance, as long as the car does.

freerach88

No this is not true, they can do a check to see who the car is insured with, and if you are not on that policy or the policy doesnt cover insurance for all drivers, you will be prosecuted for driving without insurance.

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