Vehicle with no insurance |
Vehicle with no insurance |
Tue, 24 Jul 2018 - 21:59
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#1
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Member Group: Members Posts: 1,254 Joined: 19 Sep 2006 Member No.: 7,753 |
Is it legal to drive a car with no insurance which belongs to someone else, with the owners permission from private land to private land using public roads if the driver holds any vehicle insurance?
I know it cant be parked on public road regardless of the drivers insurance. This hasn't happened yet but I might have to pick a car up which isn't insured in the next week or so and I have been told the vehicle must have its own insurance. |
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Tue, 24 Jul 2018 - 21:59
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Tue, 24 Jul 2018 - 22:06
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#2
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Member Group: Members Posts: 13,735 Joined: 22 Oct 2007 Member No.: 14,720 |
What does your policy say about DOV? 99% require the car to be insured elsewhere.
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Tue, 24 Jul 2018 - 22:15
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#3
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Member Group: Members Posts: 1,254 Joined: 19 Sep 2006 Member No.: 7,753 |
What does your policy say about DOV? 99% require the car to be insured elsewhere. Nothing mentioned about the other vehicle being insured Driving other cars We will insure you whilst you are driving any other car within Great Britain, Northern Ireland, the Channel Islands and the Isle of Man providing: 1. The car does not belong to you or is not hired to you under a hire purchase agreement. 2. You are driving the car with the owner’s express consent. 3. You still have your car and it has not been damaged beyond cost effective repair. 4. You are aged 25 or above, at inception or last renewal of this policy. 5. Your certificate of motor insurance indicates that you can drive such a vehicle. Important Note: the cover provided whilst you are driving any other car is for Third Party only. |
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Tue, 24 Jul 2018 - 22:21
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#4
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Member Group: Members Posts: 33,610 Joined: 2 Apr 2008 From: Not in the UK Member No.: 18,483 |
You appear to have answered your own question.
-------------------- Moderator
Any comments made do not constitute legal advice and should not be relied upon. No lawyer/client relationship should be assumed nor should any duty of care be owed. |
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Tue, 24 Jul 2018 - 22:47
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#5
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Member Group: Members Posts: 1,254 Joined: 19 Sep 2006 Member No.: 7,753 |
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Tue, 24 Jul 2018 - 23:15
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#6
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Member Group: Members Posts: 13,735 Joined: 22 Oct 2007 Member No.: 14,720 |
You appear to have answered your own question. Yes possibly. Wasn't aware of that insurance clause but also wasn't sure if legislation said something else which if it did would trump the insurance policy The car will flag up as uninsured on Police ANPR. If you want to be on the safe side, call your insurance company and clarify. -------------------- |
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Wed, 25 Jul 2018 - 03:58
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#7
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Member Group: Members Posts: 1,006 Joined: 29 Oct 2013 Member No.: 66,323 |
Or use someone like dayinsure?
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Wed, 25 Jul 2018 - 07:41
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#8
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Member Group: Members Posts: 349 Joined: 21 Apr 2016 Member No.: 83,881 |
Is the car SORN'd?
If so then you could only drive it to a test appointment or would be commiting an offence regardless of insurance. (If it's not on SORN and has no insurance the RK may also currently be liable to fall foul of continuous insurance regs) -------------------- If it looks like a duck, swims like a duck, and quacks like a duck, then it probably is a duck.
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Wed, 25 Jul 2018 - 10:18
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#9
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Member Group: Members Posts: 56,198 Joined: 9 Sep 2003 From: Warwickshire Member No.: 317 |
The car will flag up as uninsured on Police ANPR. If you want to be on the safe side, call your insurance company and clarify. Take a copy of the cert' and Policy....... -------------------- There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!
S172's Rookies 1-0 Kent Council PCN's Rookies 1-0 Warwick Rookies 1-0 Birmingham PPC PCN's Rookies 10-0 PPC's |
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Wed, 25 Jul 2018 - 10:55
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#10
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Member Group: Members Posts: 237 Joined: 2 Sep 2005 Member No.: 3,695 |
Does the cert refer you to the relavent section of the policy wording. I've just insured through Santander and my certificate says similar with no mention that the other car needs insurance but it does point you to the policy wording which when you read that does say other car must have insurance.
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Wed, 25 Jul 2018 - 12:41
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#11
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Member Group: Members Posts: 1,397 Joined: 12 Jun 2008 From: West Sussex Member No.: 20,304 |
Does the cert refer you to the relavent section of the policy wording. I've just insured through Santander and my certificate says similar with no mention that the other car needs insurance but it does point you to the policy wording which when you read that does say other car must have insurance. Post #3 looks very much like an extract from the policy document rather than the certificate of insurance. My own policy document is very similar, with no stipulation that the vehicle must be insured in its own right. |
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Wed, 25 Jul 2018 - 16:38
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#12
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Member Group: Members Posts: 938 Joined: 24 Sep 2014 Member No.: 73,212 |
So the advice that a car must have its own insurance in order to comply with the continuous insurance requirement when driven on a DOC cover isn't correct?
Or in other words....DOC cover on a policy permits an otherwise uninsured vehicle to be insured whilst driven by the holder of DOC cover? |
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Wed, 25 Jul 2018 - 16:45
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#13
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Member Group: Members Posts: 13,735 Joined: 22 Oct 2007 Member No.: 14,720 |
So the advice that a car must have its own insurance in order to comply with the continuous insurance requirement when driven on a DOC cover isn't correct? Or in other words....DOC cover on a policy permits an otherwise uninsured vehicle to be insured whilst driven by the holder of DOC cover? Depends on the terms and conditions of the insurance policy. -------------------- |
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Wed, 25 Jul 2018 - 16:55
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#14
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Member Group: Members Posts: 1,397 Joined: 12 Jun 2008 From: West Sussex Member No.: 20,304 |
So the advice that a car must have its own insurance in order to comply with the continuous insurance requirement when driven on a DOC cover isn't correct? Or in other words....DOC cover on a policy permits an otherwise uninsured vehicle to be insured whilst driven by the holder of DOC cover? You are looking at, potentially, two separate offences. (1) Driving a motor vehicle in a public place without insurance and (2) Failing to maintain continuous insurance cover on a motor vehicle not declared SORN. So your statement that the car would need its own cover when driven on DOV on another policy in order to comply with the continuing insurance requirement is correct, unless there is no continuous insurance cover requirement, e.g. it is declared SORN. Whilst a vehicle is SORNed it may only be driven on a road to or from a pre-arranged MoT test. Therefore that is one time when it could be driven under DOV without having its own insurance policy in place, provided the DOV cover on the other insurance does not insist on the vehicle having its own policy in force. If the vehicle is being driven, but not to or from the MoT testing station, the continuous insurance requirement is still not applicable, as the vehicle is SORNed, but the terms of the SORN are not being complied with so there's yet another transgression. |
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Wed, 25 Jul 2018 - 21:41
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#15
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Member Group: Members Posts: 2,356 Joined: 30 Jun 2008 From: Landan Member No.: 20,731 |
Is the car SORN'd? If so then you could only drive it to a test appointment or would be commiting an offence regardless of insurance. (If it's not on SORN and has no insurance the RK may also currently be liable to fall foul of continuous insurance regs) That may be true, but the OP would be in the clear! Another option would be to insure the car on a separate policy, then cancel within 14 days. There's often a fee to pay, but the insured day(s) would be pro-rata, so quite cheap. --Churchmouse |
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Thu, 26 Jul 2018 - 10:07
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#16
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Member Group: Members Posts: 1,254 Joined: 19 Sep 2006 Member No.: 7,753 |
The car is currently insured fully street legal and not SORN'ed.
The policy is due to expire and it may have to be moved from private land to private land days after the expiry of insurance. Another option would be to insure the car on a separate policy, then cancel within 14 days. There's often a fee to pay, but the insured day(s) would be pro-rata, so quite cheap. --Churchmouse This was something I had considered or possibly adding it to an existing policy if the DOV was not an option. Post #3 looks very much like an extract from the policy document rather than the certificate of insurance. My own policy document is very similar, with no stipulation that the vehicle must be insured in its own right. Which it is. This is a Quote me Happy policy. Cert refers to policy and mirrors policy clause in shortened version |
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Thu, 26 Jul 2018 - 11:05
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#17
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Member Group: Members Posts: 1,397 Joined: 12 Jun 2008 From: West Sussex Member No.: 20,304 |
The car is currently insured fully street legal and not SORN'ed. The policy is due to expire and it may have to be moved from private land to private land days after the expiry of insurance. . . . . . In which case, if spotted, the failure to comply with continuous insurance requirement comes into play. |
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Thu, 26 Jul 2018 - 12:03
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#18
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Member Group: Members Posts: 938 Joined: 24 Sep 2014 Member No.: 73,212 |
So the advice that a car must have its own insurance in order to comply with the continuous insurance requirement when driven on a DOC cover isn't correct? Or in other words....DOC cover on a policy permits an otherwise uninsured vehicle to be insured whilst driven by the holder of DOC cover? You are looking at, potentially, two separate offences. (1) Driving a motor vehicle in a public place without insurance and (2) Failing to maintain continuous insurance cover on a motor vehicle not declared SORN. So your statement that the car would need its own cover when driven on DOV on another policy in order to comply with the continuing insurance requirement is correct, unless there is no continuous insurance cover requirement, e.g. it is declared SORN. Whilst a vehicle is SORNed it may only be driven on a road to or from a pre-arranged MoT test. Therefore that is one time when it could be driven under DOV without having its own insurance policy in place, provided the DOV cover on the other insurance does not insist on the vehicle having its own policy in force. If the vehicle is being driven, but not to or from the MoT testing station, the continuous insurance requirement is still not applicable, as the vehicle is SORNed, but the terms of the SORN are not being complied with so there's yet another transgression. So, to clarify a very confusing situation... A vehicle ALWAYS needs its own insurance cover to be used on the road in order to comply with the Continuous Insurance Enforcement requirement. DOV cover permits a driver not named on the vehicle insurance to drive the vehicle. Continuous Insurance applies to any vehicle unless it is SORNed and not used on the road. When a vehicle that is SORNed is used on the road continuous insurance will apply and, unless it is being driven to a pre-arranged MoT test, an offence is using an untaxed vehicle occurs. |
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Thu, 26 Jul 2018 - 12:18
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#19
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Member Group: Members Posts: 4,126 Joined: 31 Jan 2018 Member No.: 96,238 |
When are you planning to make the journey ?
If you check AskMid you may find that it hasn't been updated regarding the expired insurance As a potential driver you have the right to make a free check This information is only useful to weigh up the chances that you'll be stopped If your policy doesn't allow you to drive a vehicle not otherwise insured, you can't drive it whatever AskMid says |
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Thu, 26 Jul 2018 - 14:30
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#20
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Member Group: Members Posts: 1,397 Joined: 12 Jun 2008 From: West Sussex Member No.: 20,304 |
. . . . . So, to clarify a very confusing situation... A vehicle ALWAYS needs its own insurance cover DOV cover permits a driver not named on the vehicle insurance to drive the vehicle. Yes - so long as the terms specified in the drivers policy are adhered to. Continuous Insurance applies to any vehicle unless it is SORNed Hope that hasn't confused you even more! |
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