Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: omegod on 11 September 2010, 21:57:02
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I have a 2.2 that I will be selling once a couple of little bits and bobs get sorted, planning on pottering about in it to make sure it is good to go.
I was thinking of registering it in my partners name and driving it( with her permission of course ;)) with third party cover on my comp policy.
This is ok is it not?
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i believe the owner of the car has to be fully insured and dont forget you will be added another name to the list of former keepers.
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From what I understand that is legal to do that as long as you have the owners permission. I've driven many a car this way and never had a problem.
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Your fully comp insurance has also got to state that you are allowed to drive another persons car. Would check with your insurance 1st.
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Your fully comp insurance has also got to state that you are allowed to drive another persons car. Would check with your insurance 1st.
It does indeed, no mention of the other car needing to be insured though
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This is NOT legal, as the car itself has to be insured.
You FC insurance ony covers you for when you are in the drivers seat - as soon as you leave the seat, the car is uninsured.
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I have a 2.2 that I will be selling once a couple of little bits and bobs get sorted, planning on pottering about in it to make sure it is good to go.
I was thinking of registering it in my partners name and driving it( with her permission of course ;)) with third party cover on my comp policy.
This is ok is it not?
I understand the old cozzy and mini trick :y :y
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This is NOT legal, as the car itself has to be insured.
You FC insurance ony covers you for when you are in the drivers seat - as soon as you leave the seat, the car is uninsured.
As TB says the other car has to be insured. This is the reason why Master Vamps car is sitting at the top of the drive, I could drive it off, and out of the way for some forthcoming work on the Omega, but if I parked in on the road it would be an uninsured car on the highway.. :)
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You may have to be careful here O.
Even though you may have third party cover to drive a vehicle not registered to you, by virtue of your comprehensive cover on the vehicle registered in your name, the 'other' vehicle still needs to be insured by the registered keeper/owner if it is being used on the road.
In your circumstances I would imagine that it would require cover specific to the vehicle in question and not cover by proxy by virtue of the third party provision afforded by your own comprehensive policy
I would imagine your insurance providers may well take a negative view of your proposal should you inform them of your intentions.
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Well after a call to the insurance company it appears TB and others are correct in that the other car needs to have a policy covering it, I checked my documents and it makes no mention of this fact :o and could be interpreted as it not needing to.
Bloody hell, I could have lost a motor!!!
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You may have to be careful here O.
Even though you may have third party cover to drive a vehicle not registered to you, by virtue of your comprehensive cover on the vehicle registered in your name, the 'other' vehicle still needs to be insured by the registered keeper/owner if it is being used on the road.
In your circumstances I would imagine that it would require cover specific to the vehicle in question and not cover by proxy by virtue of the third party provision afforded by your own comprehensive policy
I would imagine your insurance providers may well take a negative view of your proposal should you inform them of your intentions.
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In more concise terms omegod , your Insurers will say: " You're avin' a larf intcha? ;D ;)
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In Liverpool they have ANPR cameras to weed out the wussies who actually buy insurance. ;D
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See if your insurance company will let you run a second car on the policy for a short period.
When I asked mine would insure a second car for up to a month on the policy for little money.
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See if your insurance company will let you run a second car on the policy for a short period.
When I asked mine would insure a second car for up to a month on the policy for little money.
Exactly what i was going to say Captain then at least you know its covered fully comp in the case of the unthinkable, my insurers are quite ok in this respect.
The only time you can drive a car that dosen't have a policy on it is if it has a set of trade plates in it and this in itself has implications depending on the traders insurance company :y
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See if your insurance company will let you run a second car on the policy for a short period.
When I asked mine would insure a second car for up to a month on the policy for little money.
Exactly what i was going to say Captain then at least you know its covered fully comp in the case of the unthinkable, my insurers are quite ok in this respect.
The only time you can drive a car that dosen't have a policy on it is if it has a set of trade plates in it and this in itself has implications depending on the traders insurance company :y
Only partly correct.
Trade Plates cover Vehicle Excise Licence (or Road Tax) only, not insurance.
The firm or individual who rightfully own the trade plates require to aquire and pay for insurance in their own right to cover the use of the vehicle as a motor trader or repairer. By 'borrowing' trade plates you are only 'borrowing' a tax disc, nothing more, if thats the line you were thinking along....
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See if your insurance company will let you run a second car on the policy for a short period.
When I asked mine would insure a second car for up to a month on the policy for little money.
Exactly what i was going to say Captain then at least you know its covered fully comp in the case of the unthinkable, my insurers are quite ok in this respect.
The only time you can drive a car that dosen't have a policy on it is if it has a set of trade plates in it and this in itself has implications depending on the traders insurance company :y
Only partly correct.
Trade Plates cover Vehicle Excise Licence (or Road Tax) only, not insurance.
The firm or individual who rightfully own the trade plates require to aquire and pay for insurance in their own right to cover the use of the vehicle as a motor trader or repairer. By 'borrowing' trade plates you are only 'borrowing' a tax disc, nothing more, if thats the line you were thinking along....
Didnt explain myself clearly there and yes i know what you mean in order to drive a car on trade plates the 'owner' of the plates usually has to declare the vehicle as 'stock' and inform there insurance company.
Underwriters seem to want to know what it is they are actually underwriting, so as H21 said you cant just borrow plates but this is the only time as i understand it were the actual car dosent have an individual policy on it. (fleet policies can work in a similar way)
HTH
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In Liverpool they have ANPR cameras to weed out the wussies who actually buy insurance. ;D
I bet they`re the only ANPR cameras in Britain that do a 'double-take'! ;D
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H21 is as always quite correct. There is a common myth concerning trade plates.
Trade plates in effect act as a portable tax disc which can be transferred between vehicles. There's a fine of £100,000 for lending your trade plates out to someone who doesn't have a just reason to use them. Only I use mine, but anyone who test drives a vehicle of mine is allowed to drive with them whilst I'm in the vehicle.
My motor trade policy is tied to my trade plates, my trade plate number has been added to the MID (Motor Insurers Database) so when my trade plates are displayed on a vehicle, ANPR or a police vehicle will firstly get no insurance up against the VRN, but insurance held when checking the trade plates.
I would simply insure the car yourself, or take out short term insurance on it. I think there's a website called day insure where you can insure a vehicle from between 1 and 28 days.
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H21 is as always quite correct. There is a common myth concerning trade plates.
Trade plates in effect act as a portable tax disc which can be transferred between vehicles. There's a fine of £100,000 for lending your trade plates out to someone who doesn't have a just reason to use them. Only I use mine, but anyone who test drives a vehicle of mine is allowed to drive with them whilst I'm in the vehicle.
My motor trade policy is tied to my trade plates, my trade plate number has been added to the MID (Motor Insurers Database) so when my trade plates are displayed on a vehicle, ANPR or a police vehicle will firstly get no insurance up against the VRN, but insurance held when checking the trade plates.
I would simply insure the car yourself, or take out short term insurance on it. I think there's a website called day insure where you can insure a vehicle from between 1 and 28 days.
There is indeed but at £35 per day it's a bit steep, my own will provide 3rd party cover for about £20 per week so will prob do thAT.
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In Liverpool they have ANPR cameras to weed out the wussies who actually buy insurance. ;D
Not any more they don't somebodys nicked em all!
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my brother was misinformed by 2 seperate people within his own insurance company that told him his policy would cover him to drive an uninsured car a mate had bought (to bring it home), and also to borrow another mate's uninsured spare car while his was in the garage
he only found out last week that they were wrong, but fortunately had not been pulled over or caught by any ANPRs
lesson learned
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yep the owner of the car has to insure. companies will do anything to get out of paying!!!!!