Phil
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You need to reinstate coverage on this vehicle today. Coverage follows the vehicle. If this vehicle is out on the road and gets damaged, or causes damage, you will be personally liable. Not to mention that it is illegal in most places to have a vehicle on the road without mandated liability coverage. |
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Not U again
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No you can't each car still needs its own policy. |
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Flossy
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You need to add your old car onto your policy as a temporary vehicle. The insurers will charge you maybe £10.50 per week, but it is better to be safe than sorry. Not only do you need to worry about taking the vehicle for test runs with perspective buyers, but also think about what happens if the vehicle is damaged by vandals - if there is no cover, then you have a damaged car that you won't be able to sell. |
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welcome news
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No
The wording on the driving other cars extension reads as follows:
"The proposer may als drive a motor vehicle that is NOT OWNED by the policyholder and NOT HIRED TO the policyholder under a hire-purchase agreement" (my emphasis)
So you can't drive your other car on your policy (you should have asked the insurance company to insure your second car as a temproary additional vehicle - many decent insurance companies do this)
BTW someone elses car you drive under a DOC extension does not have to separately insured. The RTA states that there must be a policy in force covering YOUR use of that Vehicle and your DOC suffices. (This is the loophole used to get impounded uninsured cars back - but insurers are working on eliminating it.) |
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julieh88
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i think it will need insurance of it's own, best bet is to phone the insurance company and ask them! |
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cat f
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No, you can't have free coverage.
you likely had automatic coverage on the new vehicle equal to the old vehicle for at least 30 days if not the for the policy period except for continuation of the physical damage coverage. but it is safer to report right away and in fact some dealers call your agent and alert them to the new purchase. i know my agent called me last time before i had the chance to call them about my new car.
Most policies exclude coverage for owned but not insured vehicles. Otherwise, we would only have to insure one car no matter how many are owned.
potentially, the person driving your car has coverage that would step in to protect them for anything that they became legally liable for while driving your uninsured vehicle. |
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Broker Man
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Here's a workable solution for you:
You can arrange temporary insurance cover for between 1 - 28 days to drive the car without affecting your own insurance policy or No Claims Bonus.
Visit www.insuredaily.co.uk, you will need to check out the acceptance critiera before you buy though!
This could also be your answer to getting insurance cover for the prospective buyer on a comprehensive basis when arranging a test drive. If the buyer has "driving other cars" on their own insurance, this will not cover any damage caused to your car by their own insurers. |
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Savannah B
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You cannot be insured driving a car that is not on a policy. The only way this would be possible is if you have a non-owners policy and then the car would be insured ONLY FOR YOU. I would suggest putting this car back on your policy for as long as it takes to sell because you as the owner are legally responsible for any damage your car does. |
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mbrcatz
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No. Until you've added it to your policy, there's no coverage. ONce you delete the OLD car, there's no coverage. No coverage means, you don't pay for it, you don't get any.
Also, the state will be notified, and the tags cancelled. |
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Steve F
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NO
You're better off getting a weeks insurance for your car, wont cost you a lot.
Better be safe than sorry |
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*****
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Call your insurance agent and ask them. |
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neogriff
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Most fully comp policies allow you to drive any other vehicle third party with the owners permission as long as the car is not registered to you. I'm guessing your old car is registered to you so no you cant drive it without its own policy.
Prospective buyers should have their own insurance to test drive your car, its them that should be doing the test driving not you. |
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Stephen A
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No is the answer , and by the way nor can anyone else as the car has no insurance
But you could ask your insurance company as they might be able to help you out.
Trust me it's not worth taking the risk , years ago I drove a company car which the insurance had ran out ( only a week or so ) but I ended up in court , I had my own insurance and still they whanted to fine me £ 1000 ,
I only got away with it , as I stated that , I could see that the car was taxed , but other than that I had to take the word of my Boss that it had MOT / Insurance , and as it was my first offence they agreed with me and all I had to pay was the Court costs |
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Rachael D
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You have to read the terms and conditions of your policy!
Most insurance policies say yeh...
However some are naughty and say no!!
My mate who had fully comp insurance was driving his bros car and he got stopped for speeding - when they ran a check on his insurance it said "has to be over 26 if male before can drive anyone elses car 3rd party or otherwise"
So then he got done for driving without insurance!!!
Mean or what!!! |
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JULIE S
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You should be able to but call your ins co and check to be on the safe side |
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done it
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they want the car,let them come to you. |
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antomadden
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As i always say it ain't a crime if you don't get caught |
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Columbo
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Check your policy, it will say on there, usually if your fully comp and OVER 25 you are insured to drive any car (Third party)
if your under 25 no joy mes hombres |
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