Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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quote:
Originally posted by muppetsport
quote:
Originally posted by Ste L
i dont see why it would matter if the car is insured or not, by someone else..
if you have a crash, it isn't getting repaired, due you you being insured on it 3rd party only..
yes, but what happens to the car you crash into?
That would be repaired by the 3rd party cover from your policy, IF that's legal, but I don't know that it is either.
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Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
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quote:
Originally posted by muppetsport
quote:
Originally posted by Ste L
i dont see why it would matter if the car is insured or not, by someone else..
if you have a crash, it isn't getting repaired, due you you being insured on it 3rd party only..
yes, but what happens to the car you crash into? this is what im bothered about. i strongly feel that this isnt legal at all, and i know someone that drives around using this as his cover all day long, car isnt insured by anyone
thats what the 3rd part is...
full compy : your car, other people cars property, fire theft..
tpf&t - other cars/property, fire/theft to your car
3rd party : other cars/property only
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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so technically, i can cancel the insurance on my corsa as it has mot and tax, and drive it all day long anywhere using the £167 a year policy i pay on the cavalier i also have? and be totally legal to be on the road?
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Ste L
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Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
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technically... yes, well if you get pull, you can produce documents...
but you wouldn't be able to re-tax it ect
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Colin
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Registered: 4th Apr 02
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Im with Admiral, there insurance site says - A. If you are the policyholder and 25 or over, then Admiral may give you Third Party Cover when driving someone else's car. Please refer to Section 5 of your current Certificate of Motor Insurance, which tells you if you have this cover. Alternatively, you can call our Customer Services Department on 0870 548 0000.
tbh id phone before even considering driving any car thats not insured.
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Colin
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Registered: 4th Apr 02
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quote:
Originally posted by muppetsport
so technically, i can cancel the insurance on my corsa as it has mot and tax, and drive it all day long anywhere using the £167 a year policy i pay on the cavalier i also have? and be totally legal to be on the road?
No because its registered in your name.
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pdwhelan
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Registered: 25th Sep 06
Location: Wigan
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Would the police be able to scan that though? face being pulled alot and some even take the car off you because they have no idea about this "rule" seems realy realy dogey lol
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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can re-register it to a mate, then i can insure it for one day to get it tax'd etc. this is what one of my mates does, i tihnk its wrong, also the same mate that wants me to drive a car he is buying back for him
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
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^^ exactly Colin.
If it was registered in someone elses name then no problem.
And the Ferrari thing is a stupid example, as who could afford to buy a Ferrari and not insure it fully comp....other than someone who could just buy another if they crashed...in which case could afford the insurance!
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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quote:
Originally posted by Cosmo
^^ exactly Colin.
If it was registered in someone elses name then no problem.
And the Ferrari thing is a stupid example, as who could afford to buy a Ferrari and not insure it fully comp....other than someone who could just buy another if they crashed...in which case could afford the insurance!
it was an example to show how stupid i think this is, and i also do not in the slightest bit think its legal. my mate who is 18 has the exact same on his policy, guess what he does to drive faster cars???????
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Ste L
Member
Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
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usually you have to be over a certain age..
so if he's 18, its probably illegal
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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quote:
Originally posted by Ste L
usually you have to be over a certain age..
so if he's 18, its probably illegal
ive seen it in writing, it 100% says exactly the same as my policy on his
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Colin
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Registered: 4th Apr 02
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Well there doing that at their own risk, they may get away with it, on the other hand it might fuck them good style.
Imagine crashing said car into a £50k beemer/merc or such like then finding out your not insured!! Or even worse hitting someone & landing a personal injury claim & having no legal aid!! You'd be big time fucked!! I wouldnt go near it tbh unless I had in black & white exactly what they mean by drive any car!!
[Edited on 14-06-2007 by Colin]
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Ste L
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Registered: 3rd Jul 06
Location: Manchester Drives: 106 16v Rallye
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what about in another of the other documents you got with the policy..
usually saying something like that in some of that
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Hammer
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Registered: 11th Feb 04
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The car you're driving HAS to be insured by the owner for you to be covered third party, that is definite for all of NUD policies and id assume everywhere else.
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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nud?
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Hammer
Member
Registered: 11th Feb 04
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Norwich Union Direct
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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mine with flux doesnt say it has to be on the document. it says refer to section 2, but there is no section 2
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Ben ev
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Registered: 23rd Oct 05
Location: kingslynn / torquay
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nic, i have exactly the same cover with ad flux and ime only tpff on the corsa. i asked loads of questions about it but at no point did i get a definate answer. i would call the company and tell them you are going to drive the car and ask them to send something in writing if they agree. still think its abit of a shady area of insurance
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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quote:
Originally posted by Ben ev
nic, i have exactly the same cover with ad flux and ime only tpff on the corsa. i asked loads of questions about it but at no point did i get a definate answer. i would call the company and tell them you are going to drive the car and ask them to send something in writing if they agree. still think its abit of a shady area of insurance
agreed, i rang them today, and they didnt give me an answer either way. im just dubious of my mate who drives cars that most couldnt afford to insure like this, as i do not think its legal at all. he is a good mate and i dont wish any bad to come from an accident etc
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Ben ev
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Registered: 23rd Oct 05
Location: kingslynn / torquay
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quote:
Originally posted by Ste L
usually you have to be over a certain age..
so if he's 18, its probably illegal
also alot of people say this is a 25 and over thing. ime 23 and was offered this cover without asking for it at no extra cost
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Ben ev
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Registered: 23rd Oct 05
Location: kingslynn / torquay
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well lets just say you drove it home and rear ended a enzo. outcome it was totalled. doubt flux would be to keen on paying up?
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Colin
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Registered: 4th Apr 02
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If it sounds too good to be true, then it probably is!!
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Nic Barnes
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Registered: 5th Apr 04
Location: nowhere near ginger people
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quote:
Originally posted by Colin
If it sounds too good to be true, then it probably is!!
agreed yes, but nowhere on my insurance does it suggest im not covered
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Ben ev
Member
Registered: 23rd Oct 05
Location: kingslynn / torquay
User status: Offline
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go to the local copshop and ask in there. if they say fine get it in writting and youl be ok
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