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Driving other car 3rd party if it has a traders policy
Petraki
post Sat, 2 Nov 2019 - 13:30
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I'm allowed to drive other vehicles on my insurance policy if they have valid insurance. What I don't know is can I drive another car if it has trade insurance? I cannot ask my insurance company as they are now closed, and I may have to drive another car tomorrow with a traders policy.
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post Sat, 2 Nov 2019 - 13:30
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cp8759
post Sat, 2 Nov 2019 - 13:51
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QUOTE (Petraki @ Sat, 2 Nov 2019 - 13:30) *
I'm allowed to drive other vehicles on my insurance policy if they have valid insurance. What I don't know is can I drive another car if it has trade insurance? I cannot ask my insurance company as they are now closed, and I may have to drive another car tomorrow with a traders policy.

What do you mean by trade policy? Is it for example a courtesy car owned by a garage, and insured under a trade policy issued to them? Or is it a vehicle with no insurance at all, that is covered by a trade policy of, say, a car dealer?

You'd need to check the wording of your policy, if you post it up we can check.

Generally most policies with this requirement state that the vehicle being driven must have in force its own policy, i.e. a policy issued specifically to that vehicle. Without checking the exact wording of your policy it would be foolish to assume you're covered, because if you're wrong you'd have no defence in law. Therefore unless you check (or let us check) the exact policy terms and conditions, you should assume the trade policy does not count and you wouldn't be covered.


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I am not on the "motorists's side", nor am I on the "police/CPS/council's" side, I am simply in favour of the rule of law.
No, I am not a lawyer.
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DancingDad
post Sat, 2 Nov 2019 - 14:32
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What he said.

If in doubt you can get temporary insurance online, buy it by the hour.
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Foxy01
post Sat, 2 Nov 2019 - 16:49
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Is the vehicle listed under the trade policy? Usually trade insurance covers 'any vehicle in the custody or control' of the policy holder. If however it is not specified on that policy then without the policy holder being present how would you prove it is insured? If it is specified it should show up on AskMid.
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whitewing
post Sun, 3 Nov 2019 - 12:13
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Check on AskMID.
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Petraki
post Wed, 6 Nov 2019 - 16:24
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Sorry for the late reply. I decided not to drive the car as I wasn't sure and there is nothing in the wording of my policy that makes it any clearer.

The car does show up on MID but it's covered under a friend's trade policy as he's a car dealer.
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DancingDad
post Wed, 6 Nov 2019 - 16:42
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QUOTE (Petraki @ Wed, 6 Nov 2019 - 16:24) *
Sorry for the late reply. I decided not to drive the car as I wasn't sure and there is nothing in the wording of my policy that makes it any clearer.

The car does show up on MID but it's covered under a friend's trade policy as he's a car dealer.


Would be worth confirming with your insurance in case there is a next time.
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666
post Wed, 6 Nov 2019 - 16:43
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QUOTE (Petraki @ Wed, 6 Nov 2019 - 16:24) *
Sorry for the late reply. I decided not to drive the car as I wasn't sure and there is nothing in the wording of my policy that makes it any clearer.

The car does show up on MID but it's covered under a friend's trade policy as he's a car dealer.


A wise decision, I think. Presumably the car would only be covered by the trade policy if you were using it for your friend's trade purposes.
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cp8759
post Wed, 6 Nov 2019 - 16:43
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QUOTE (Petraki @ Wed, 6 Nov 2019 - 16:24) *
Sorry for the late reply. I decided not to drive the car as I wasn't sure and there is nothing in the wording of my policy that makes it any clearer.

For future reference, you can get a 24 hour policy for something like £12.50


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I am not on the "motorists's side", nor am I on the "police/CPS/council's" side, I am simply in favour of the rule of law.
No, I am not a lawyer.
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TonyS
post Thu, 7 Nov 2019 - 12:54
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QUOTE (666 @ Wed, 6 Nov 2019 - 16:43) *
A wise decision, I think. Presumably the car would only be covered by the trade policy if you were using it for your friend's trade purposes.

That's not quite the point, he knows his friends policy doesn't cover his use of the vehicle, what was in doubt was whether the trade policy satisfied the conditions for driving other vehicles on his own policy.
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