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[davethediver]

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

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

[Debs.]

In Liverpool they have ANPR cameras to weed out the wussies who actually buy insurance.

I bet they`re the only ANPR cameras in Britain that do a 'double-take'!

[joshwyatt]

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.

[omegod]

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.

[Tony H]

In Liverpool they have ANPR cameras to weed out the wussies who actually buy insurance.

Not any more they don't somebodys nicked em all!

[Danny]

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

[Webby the Bear]

yep the owner of the car has to insure. companies will do anything to get out of paying!!!!!