UK car insurance question: My insurance allows me to drive my car and also any other car not owned by me...?

Chris P

Yes you could do that but would your friend remain your friend if you pranged his car ? remember if you had an accident the only thing insured is the third parties property and person NOT your mates car. It's not actually the car that is insured but the person on the policy.

rott1711

To answer your question 'is it necessary for that other car to itself to be insured' then yes! The other car must be insured by the reg owner, but you will only have third party cover :) hope this helps

Bardic

I'm afraid the insurance companies have woken up to that one. If you're sure there's nothing in your documentation to cover that eventuality I'd ring your insurers, you'll get a sudden intake of breath and a statement that it is in the event of an emergency only. Then get them to point out where it's quoted. That'd be interesting.

To deal with your actual question, though, the car has to be fully legal with tax, MoT if required, and insurance in your friend's name.

maclaren

the vehicle you are driving on your insurance has to be road legal.and obviously you have to have owners permission but third party only covers damage you do to other cars with the ferrari otherwise everyone would be doing it.
If I had a ferrari i certainly would not let anyone drive it only insured against third party risks.
This is the minimum legal requirement.

creviazuk

No - READ WHAT YOU TYPED.

"But is it necessary for that other car to itself be insured itself. "
ie. The Ferrari MUST be insured by someone before you can drive it.

This is normal for most (good) car insurance policies - but there are also claused about 'main drivers' - so you can't drive it more that 50% of the time (legally) than your friend.

Scouse

You will only be insured third party. So if you damage another car the insurance will pay the other car owner to have his car repaired but not your friends

No you cannot drive your friends ferrari or any other car for that fact because... your insurance is covering you to drive the vehicle; however every car needs to be insured itself to stay on the public roads. If your method was correct then that would mean that your friend does not have to get an MOT and tax for his ferrari but we all no that isnt the case therefore the vehicle must be insured in itself before it can even be allowed to be parked on the side of the road, let alone be driven.

Alex MacGregor

With Fully Comprehensive insurance you do indeed get 3rd party only cover for any vehicle not belonging to you or hired to you providing you have the owners permission and have, if for more than a brief period of time, you have informed your insurance company.

The idea is to allow you to drive another car in an emergency situation in order to allow you to complete your journey or to get that vehicle to a place of repair, safety or home.
For example: you and a friend are out mountain biking having taken his car. He falls off his bike and breaks his arm. He is unable to drive so to return home you have to drive. In this situation you would have 3rd party cover so be legally covered.

It is not to allow you to insure a Fiat 500 so you can drive his Ferrari Enzo everyday. If you were going to be driving for more than a couple of days you are obliged to inform your insurance company who have the right to refuse cover should you NOT inform them due to the higher risk.

Insurance companies will do absolutely anything and everything to get out of paying so it is better to be upfront with them. And ask yourself could you afford to pay for the repairs for any damage to a Ferrari??

stu_u2k

Check with your Insurance company, all policies vary, mostly the answer is no though, especially on Third Party.

lou

the other car has to be insured and only then you will be covered for third party fire and theft.Best check the small print in the booklet you get with your insurance to be sure

my sheds on fire

Yes good idea, I bought a second car and insured in my brothers name, so i could drive it on my insurance.
The only thing is it wouldnt be insured for theft. Only for you hitting another car. A bit risky if its worth some money.

welcome news

The vehicle you drive on your 'driving other cars' extension does NOT have to be insured seperately!!!!!!!!

The RTA states that it is a criminal offence to drive a motor vehicle on a road unless there is in force a policy of insurance to cover "that use by that driver." So your DOC extension covers you to use that car!

BUT if the vehicle is left on the road (includes car parks) when you are not using it then it is not insured and of course the problems mentioned above i.e. damage/ loss to the car is not covered.

~Mustaffa~Laff~

hidden clause is - that you need to tell the insurance all about the vehicle before you drive it... else you are not covered in the event of an accident and it is your fault... even if you were fully comprehensive

typical (clever, but confusing) wording.

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