Omega Owners Forum - Am I insured to drive project car?

TheBoy Administrator Offline TBE has an MOT! Posts: 64817 Brackley, Northants Gender: Drives: 98 MV6, 03 Elite, 00 25, 89 ZX10	Am I insured to drive project car? 24. Aug 2006 at 21:22 Possibly one for the Police members here... My insurance says I am allowed to drive any car with owners consent not owned by me. So if I make Mrs TheBoy the legal owner, am I insured? I guess so, but wondered if that would be the case, as she won't be insured to drive, despite it being hers? Anyone know for sure?
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tunnie Over Active Poster Offline Posts: 22520 London, W3 Gender: Drives: 2.2 CD (LPG'd) & BMW R1200 GS	Re: Am I insured to drive project car? Reply #1 - 24. Aug 2006 at 21:31 you could try ringing them and explaining what your doing, the may be nice and let you be covered for free one day.
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PaulW

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Re: Am I insured to drive project car?
Reply #2 - 24. Aug 2006 at 21:33

IIRC the car in question will still need to be insured under a fully-comprehensive policy for you to drive the car, given you have the owners consent...

So unless the project is also Insured by Mrs TheBoy under a Comprehensive policy, then afraid not!

BUT I have used these before...

http://www.dayinsure.com/

As long as you are insured on another vehicle under your own policy, you can get temporary cover on another car using a short term policy.

You can't however Tax a car on a short-term policy if needed...

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« Last Edit: 24. Aug 2006 at 21:35 by PaulW »

Humbugs...

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TheBoy Administrator Offline TBE has an MOT! Posts: 64817 Brackley, Northants Gender: Drives: 98 MV6, 03 Elite, 00 25, 89 ZX10	Re: Am I insured to drive project car? Reply #3 - 24. Aug 2006 at 21:40 Car is taxed and MOT'd - jsut I saw something On TV last night - one of those Traffic Cop programs, and the driver of the car was insured to drive car, even though car itself was not insured by owner....
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STMO123 Ex Member Gender:	Re: Am I insured to drive project car? Reply #4 - 24. Aug 2006 at 21:51 Hotel 21 is probably able to help you on this one. He was kind enough to advise me on a similar matter.
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Elite Pete Omega King Offline My spider senses are tingling Posts: 17813 Northwich/Chester Gender: Drives: Facelift Wheezel,Breaking 2001 MV6	Re: Am I insured to drive project car? Reply #5 - 24. Aug 2006 at 21:54 I think the guy your are talking about was a mechanic with a traders policy.
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hotel21

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Re: Am I insured to drive project car?
Reply #6 - 24. Aug 2006 at 22:43

Been out for the evening, just back in.

Its called the DOC extension. Thats driving other cars, not some invention by a certain Dr Chartham which used to be popular with some male members.... Wink

All the following refers to a public road, that being a road to which the public have access, whether on payment or otherwise, not just a road which is repairable at public expense.

The registered keeper is not required to be the owner. Check the smallish print on your V5.

If Mrs the Boy owns the car but its registered in Mr TheBoys name, thats OK so far.

If Mr The Boy has insurance and it states that he can also drive other cars, not owned by him nor hired to him under a hire purchase agreement, then he would, on the face of things, be covered. Most times, however, only Fully Comp policies have this DOC extension, most 3rd party only or TPF&T do not.

There is a substantial caveat, however.

He is only insured whilst in the drivers seat. Not the passenger seat, not the back, not whilst under the bonnet, in the boot or going to pay for petrol at a garage or whatever. Therefore its not insured if it rolls backwards and crushes a pedestrian or dents someones brand new Rolls Canardly when he is not in the drivers seat. At such other times, car is uninsured and, as Mrs The Boy is the owner, she is liable for penalty points and the fine that goes with causing or permitting the use of a vehicle whilst uninsured. Mr TheBoy also catches similar points and prizes as he was actually using it at the time. Can be a fixed penalty ticket for 6 points and £200 or a summary appearance at a Court with the risk of a higher fine. For either or both Mr and Mrs. And the repair costs of the Rolls or the civil suit for the multi million squids cash payout to the family of the injured party who now lives in an iron lung or a wheelchair......

The DOC extension was designed to cover eventualities such as the regular driver becoming unwell of an evening and a fellow passenger who has his own insurance for his own car jumping into the drivers seat and then get the entire party home.

I know we check such situations out hereabouts and the use, as described, is technically OK. Remember that a vehicle must be insured whilst on a public road and when used as above, is only insured whilst being driven . I would not like, however, to put such an arrangement as described to the acid test of a claim for a serious road crash with insurance company's battling it out to see who is going to pay what.

If its simply a case of moving the car from one side of town to the other versus insuring a 2CV and then driving a 3.2 MV6 to regularly travel to work, if the latter, I think I would be looking for short term insurance, just in case.

Ultimately, its your call but it may not stand upto extended scrutiny....

HtH

Broocie

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« Last Edit: 25. Aug 2006 at 06:34 by hotel21 »

Tech 2 available in Scotland. click on ->

http://theboy.omegaowners.com

for prices.....

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RonaldMcBurger

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Re: Am I insured to drive project car?
Reply #7 - 25. Aug 2006 at 07:57

Well put Broocie

I have trade insurance which covers me to drive any car owned by me or in my possession 'in connection with my business'. So, I cannot just drive a friend car unless I am doing work to it etc.

Before this, I used www.dayinsure.com to get Fully comp. It cost £10.50 and allowed me to collect any car and drive it without worry, but obviously that car had to have a current MoT and be taxed and roadworthy. The exception would have been to take a car for an MoT at a garage within reasonable distance. ie, I could take an un-MoT'd car for its pre-booked MoT on the other side of Nottingham, but not to Birmingham. Note it has to be PRE-BOOKED.

My understanding of this 'other peoples' cars buisness is that the car must be rigitsred to the person you say you are borrowing it from and they must hold insurance on it themselves, hence why it is easier to just use dayinsure and count the £10.50 cost in with the cars expenses.

HTH

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Allenm

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Re: Am I insured to drive project car?
Reply #8 - 25. Aug 2006 at 09:59

Just to further clarify the already comprehensive (no pun intended) answers. The small print on my fully comp insurance which allows me to drive other cars is quite clear that this should only be used in an emergency. If you had call to claim, they would probably take issue with the owner of the car that is not yours being your wife!

Depending on who your insurance company is, you may well be able to extend your current policy to cover the project car 3rd party only for very little. Give them a call!

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bobdent

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Re: Am I insured to drive project car?
Reply #9 - 25. Aug 2006 at 10:25

In my experience, with most fully comprehensive policies they will cover you to drive other cars provided you have the owners full permission, but importantly it is only 3rd party cover. This means if you have an accident and you are responsible, it will only cover the third party's car and not the car you are driving (this could be costly if you write the car off Cry

). As mentioned in some of the other replies to this thread, you are better off getting temporary cover for a day or so which will only cost approx. £20-£30 depending on circumstances, or if long term, get put on the other persons policy as a named driver.

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I HAVE THE BODY OF AN 18 YEAR OLD - I KEEP IT IN THE FRIDGE!!

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TheBoy

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Re: Am I insured to drive project car?
Reply #10 - 25. Aug 2006 at 11:03

bobdent wrote on 25. Aug 2006 at 10:25:

In my experience, with most fully comprehensive policies they will cover you to drive other cars provided you have the owners full permission, but importantly it is only 3rd party cover. This means if you have an accident and you are responsible, it will only cover the third party's car and not the car you are driving (this could be costly if you write the car off Cry

). As mentioned in some of the other replies to this thread, you are better off getting temporary cover for a day or so which will only cost approx. £20-£30 depending on circumstances, or if long term, get put on the other persons policy as a named driver.

The owner might be Mrs TheBoy, and she ain't insured neither....

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If you are going to kick a car, remember to wear appropriate footwear
Any posts are the result of my own views as a member of OOF, which may or may not be the same as my views as part of the Admin Team.

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TheBoy Administrator Offline TBE has an MOT! Posts: 64817 Brackley, Northants Gender: Drives: 98 MV6, 03 Elite, 00 25, 89 ZX10	Re: Am I insured to drive project car? Reply #11 - 25. Aug 2006 at 11:14 Thanks for info guys, esp hotel21 for the 'official' insight I have decided to play safe, and get it added to my policy for 2 weeks...
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flymike Newbie Offline Posts: 17 Nottingham Gender: Drives: Cavalier SRi 2.0 ecotec	Re: Am I insured to drive project car? Reply #12 - 25. Aug 2006 at 11:23 You can get DOC on TPFT and TP policies.
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tunnie

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Re: Am I insured to drive project car?
Reply #13 - 25. Aug 2006 at 12:12

Quote:

Well put Broocie

I have trade insurance which covers me to drive any car owned by me or in my possession 'in connection with my business'. So, I cannot just drive a friend car unless I am doing work to it etc.

Before this, I used www.dayinsure.com to get Fully comp. It cost £10.50 and allowed me to collect any car and drive it without worry, but obviously that car had to have a current MoT and be taxed and roadworthy. The exception would have been to take a car for an MoT at a garage within reasonable distance. ie, I could take an un-MoT'd car for its pre-booked MoT on the other side of Nottingham, but not to Birmingham. Note it has to be PRE-BOOKED.

My understanding of this 'other peoples' cars buisness is that the car must be rigitsred to the person you say you are borrowing it from and they must hold insurance on it themselves, hence why it is easier to just use dayinsure and count the £10.50 cost in with the cars expenses.

HTH

I used them to pick up my elite, think is the same system as i paid £10.50 but it was though Norwich Union. Printed out a Certficate of my insurance and took it with me, incase plod with their new systems stopped me.

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Do you break V6's as often as TheBoy? Then you need tunnie's towing services, recovery costs are just the humiliation of being towed by 2/3's of an engine

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nixoro

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Re: Am I insured to drive project car?
Reply #14 - 25. Aug 2006 at 12:33

tunnie wrote on 25. Aug 2006 at 12:12:

Quote:

Well put Broocie

I have trade insurance which covers me to drive any car owned by me or in my possession 'in connection with my business'. So, I cannot just drive a friend car unless I am doing work to it etc.

Before this, I used www.dayinsure.com to get Fully comp. It cost £10.50 and allowed me to collect any car and drive it without worry, but obviously that car had to have a current MoT and be taxed and roadworthy. The exception would have been to take a car for an MoT at a garage within reasonable distance. ie, I could take an un-MoT'd car for its pre-booked MoT on the other side of Nottingham, but not to Birmingham. Note it has to be PRE-BOOKED.

My understanding of this 'other peoples' cars buisness is that the car must be rigitsred to the person you say you are borrowing it from and they must hold insurance on it themselves, hence why it is easier to just use dayinsure and count the £10.50 cost in with the cars expenses.

HTH

I used them to pick up my elite, think is the same system as i paid £10.50 but it was though Norwich Union. Printed out a Certficate of my insurance and took it with me, incase plod with their new systems stopped me.

Is that the service Ebay are offering only I think Norwich Union cover you for 3 days or something like that.

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