nyzrox
Member
Registered: 19th Jan 06
Location: Nottinghamshire Drives: MK4 Astra GSi
User status: Offline
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Hi,
Just wanting peoples opinons on this subject and see what there thinking...
I am insured by Quinn, and it states:
quote:
Section 2 Liability to other people
Driving other cars
If your certificate of insurance says so, we also cover you, the policyholder, for your liability to other people while you are driving any other privately owned motor car which you do not own or have not hired under a hire-purchase or lease agreement, aslon as:
1. The vehicle is not owned by your employer or hired to them under a hire-purchase or lease agreement;
2. You currently hold a full European Union (EU) license;
3. The use of thr vehicle is overed on the certificate of insurance;
4. Cover is not provided by any other insurance;
5. You have the owner's permission to drive the vehicle;
6. The vehicle is in a roadworthy condition; and
7. You still have your vehicle and it has not been damaged beyond cost-effective repair.
This extension applies while driving within the territoral limits and only to private passenger vehicles.
So... reading that, its saying to me, I can buy any car i like, register it to someone of my family who doesnt drive, make sure its MOT worthy, my insurance company are aware... and i have permission from the owner ... then i can drive it without a insurance policy 3rd Party only!
However, when i have spoken to Quinn-Direct on the phone, i specifically asked do they need to be made aware i would be driving another car and need the reg, they said not!
So whats your thoughts? Because in a theory i could insure anycar be it a £50 rover... then go out buy a Evo(if i could afford one) then just drive it around but have it registered to my nan or something.
Discuss
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Jake
Member
Registered: 24th Jan 05
User status: Offline
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if the car itself isnt on a policy, how are you supposed to tax it
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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this has been happening for years , this is why so many companies are stopping this or only allowing people of a cwertain age to have this on there inusrance
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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the car would have to be inrued by ure nan or whoever, and you wouldnt be covered if you wrote it off.
also im sure if they find you drive it more than your nan, or more than your own car they'll do you for fraud or whatever
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by nyzrox
Hi,
Just wanting peoples opinons on this subject and see what there thinking...
I am insured by Quinn, and it states:
quote:
Section 2 Liability to other people
Driving other cars
If your certificate of insurance says so, we also cover you, the policyholder, for your liability to other people while you are driving any other privately owned motor car which you do not own or have not hired under a hire-purchase or lease agreement, aslon as:
1. The vehicle is not owned by your employer or hired to them under a hire-purchase or lease agreement;
2. You currently hold a full European Union (EU) license;
3. The use of thr vehicle is overed on the certificate of insurance;
4. Cover is not provided by any other insurance;
5. You have the owner's permission to drive the vehicle;
6. The vehicle is in a roadworthy condition; and
7. You still have your vehicle and it has not been damaged beyond cost-effective repair.
This extension applies while driving within the territoral limits and only to private passenger vehicles.
So... reading that, its saying to me, I can buy any car i like, register it to someone of my family who doesnt drive, make sure its MOT worthy, my insurance company are aware... and i have permission from the owner ... then i can drive it without a insurance policy 3rd Party only!
However, when i have spoken to Quinn-Direct on the phone, i specifically asked do they need to be made aware i would be driving another car and need the reg, they said not!
So whats your thoughts? Because in a theory i could insure anycar be it a £50 rover... then go out buy a Evo(if i could afford one) then just drive it around but have it registered to my nan or something.
Discuss
thats how a mate of mine who is 18 drives a 280 odd bhp corsa turbo
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nyzrox
Member
Registered: 19th Jan 06
Location: Nottinghamshire Drives: MK4 Astra GSi
User status: Offline
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is it red? 
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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no, green
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Paul H
Member
Registered: 11th Aug 03
Location: Lincoln.
User status: Offline
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the other car has to be insured aswell
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John
Member
Registered: 30th Jun 03
User status: Offline
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Have a search, been discussed on here before, it depends on the insurance company, the other car doesn't always have to be insured.
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by Paul H
the other car has to be insured aswell
no, it doesnt. not to drive it covered by quinn direct it doesnt.
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Alex16v
Member
Registered: 30th Jun 06
Location: Chester Drives: Civic ep3 final edition
User status: Offline
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Im with quinn direct. If i LET my corsa and make sure its all declared and MOT passed i can use that by only insuring a cheap car and leaving it on the drive while stil getting no-claims ?
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nyzrox
Member
Registered: 19th Jan 06
Location: Nottinghamshire Drives: MK4 Astra GSi
User status: Offline
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quote:
Originally posted by muppetsport
quote:
Originally posted by Paul H
the other car has to be insured aswell
no, it doesnt. not to drive it covered by quinn direct it doesnt.
I hope you are right 
Cause then me thinking.... LET corsa... or maybe XE not sure. think il notice a difference with a XE B stripped complately compaired to a 1.8 C with no rear interior and running 140bhp?
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nyzrox
Member
Registered: 19th Jan 06
Location: Nottinghamshire Drives: MK4 Astra GSi
User status: Offline
|
quote:
Originally posted by Alex16v
Im with quinn direct. If i LET my corsa and make sure its all declared and MOT passed i can use that by only insuring a cheap car and leaving it on the drive while stil getting no-claims ?
Thats my thoughts... how does it work
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John
Member
Registered: 30th Jun 03
User status: Offline
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If the insurance company does happen to let you do it the car is 100% illegal anytime you are not in it and it is parked on a public highway.
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nyzrox
Member
Registered: 19th Jan 06
Location: Nottinghamshire Drives: MK4 Astra GSi
User status: Offline
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quote:
Originally posted by John
If the insurance company does happen to let you do it the car is 100% illegal anytime you are not in it and it is parked on a public highway.
thats fair enough, so park it on private land.
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John
Member
Registered: 30th Jun 03
User status: Offline
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Could you do that every single time you wanted to go out in the car?
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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muppetsport, point 3 says it has to be insured, and the insurance on the car has to allow it to be driven by someone else using their insurance
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by lee_wee
muppetsport, point 3 says it has to be insured, and the insurance on the car has to allow it to be driven by someone else using their insurance
ring them and ask. aslong as the car is not in your name, then they cover it, it doesnt actually say that the car has to be insured by anyone else. point 3 says its covered on the certificate of insurance ie the certificate the person who doesnt own the other car has. this is how my mate drives his.
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Jake
Member
Registered: 24th Jan 05
User status: Offline
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worst case scenario - you crash the other car. I reckon you'll get fucked over, the way the terms and conditions are worded i think it will cause alot of hassle if it ever went to court or something.
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nyzrox
Member
Registered: 19th Jan 06
Location: Nottinghamshire Drives: MK4 Astra GSi
User status: Offline
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i was on phone to quinn, i didnt ask that point but they insure you... aslong as not in ur name
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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ah ok, but if its not insured if u drove it anywhere u couldnt park on the road or anythin could ya, would have to be in a car park or somethin? think i may look into a cheap little mx5 when im back in the country, hmmm
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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ring them and check, but from what i gather off my mate, he is covered to drive anything aslong as road legal doesnt need any insurance as long as the car isnt in his name. i dont think its right at all, but it seems to be legal according to his documents.
problem being, if the police check your plate for insurance etc, its obviously going to come up that it has none. would they believe this cover people claim to have or not? i dont know. my insurance is basically worded the same as that above although id not put it to the test
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Stu
Member
Registered: 3rd May 00
Location: Madchester UK Drives: 2014 BMW M135i
User status: Offline
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My policy is the same but the car your planning on driving HAS to be covered by a seperate insurance policy!
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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quote:
Originally posted by Stu
My policy is the same but the car your planning on driving HAS to be covered by a seperate insurance policy!
does it actually say it in writing though? mine doesnt, but like fuck id chance it. too much to lose
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nyzrox
Member
Registered: 19th Jan 06
Location: Nottinghamshire Drives: MK4 Astra GSi
User status: Offline
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what i wrote, is what it says.
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