Tin Top Insurance

[Guest Daniel Aldridge]

Any body know if it's leagal to drive a vehicle on the road using my own insurance, even though the vehicle its self is not insured and not belonging or regestered to me?

Sorry if its not kit car related but I need to move my sons old car to its new owners and as I said I'd deliver it in order to sell it I didn't think of the insurance and they don't intend insuring it yet.(It has tax and an mot)

Thanks Danny

[Guest mark kingston]

i think for your insurance to cover you for the bare minimum that the vehicle has to have an insurance policy on it even if you are not named on that policy. but then i could be wrong. but that is my understanding of the law.

[Guest tom2b]

no you cant do that, it has to be insured itself

[Guest Dredd]

It is an offence for a person to drive a motor vehicle on a road without a valid certificate of insurance in force covering the use of that vehicle. Providing that your insurance has a clause that states you may drive a vehicle not belonging to you being the policy holder (with the owners permission), then you are OK. Normally, the insurance is only the minimum of third party to satisfy he Road traffic act. Make sure the car is taxed and MOT'd though.

[enforcer]

You'd better check the small print on your policy. I can drive any vehicle I do not own, with the permission of its owner, but the vehicle must be covered by a minimum of 3rd party insurance (ie. its owner's)

[Guest Daniel Aldridge]

Thanks for clearing that up for me. I will have to ring my insurer or my sons to see if they will give me a days cover on the car.My insurance does cover me (third party only) to drive a vehicle not owned or regestered to me.But that's obviously no good.

Thanks again for your help.

Danny

[Guest erichetherington]

It is possible to arrange a 1 day insurance, not sure who does it but I've seen adds for it (in the gents at motorway services!). A trawl of the net should throw something up.

[Guest elwe]

Direct line said they would cover me on another car even if that car didn't have its own insurance. However, I could not get out of the car while it was on the public road as their cover would end when I got out and thus it would be on the public highway and uninsured which would be an offence. Just imagine being pulled over and having to explain to the officer that you could not get out without commiting an offence, I doubt they would be understanding.

[Guest Daniel Aldridge]

While im sure Dredd and Enforcer are right.I didn't know if driving past one of the vans with the cameras in(sorry don't know their name) Can record not only tax and mot but also insurance, in which case it would show as uninsured,Even though I'm driving on mine.My son would then receive a summonds, I work on the principle if it's going to happen then it's going to happen to me as it nearly always does.

Sorry to be negative but like us all I do try very hard to be within the law.

Danny

[Guest Daniel Aldridge]

Thanks Tim.

I was Intending to drive it from where it is now (Not on the highway) directly to a private drive without stopping. Unless as you say a police officer decides otherwise!!! Its a 50 mile drive.

Thanks again For your replies

Danny

[Guest GJR]

Try www.dayinsure.com, its a subsidary of Norwich union and will insure you on a vehicle for approx £10 per 24hrs and only takes 10mins to complete and you can print your certificate out.

 

Gareth

[Guest TerryBarry]

That looks quite interesting - not sure what I'd need it for at the moment.

 

I wonder if they would cover a pre-SVA'd vehicle with no registration mark

[Big Jim]

That looks quite interesting - not sure what I'd need it for at the moment.

 

I wonder if they would cover a pre-SVA'd vehicle with no registration mark

 

Terry, this has been gone through so many times!

 

The companies that deal with kitcars a lot know all about SVA and no reg etc, most of them will insure you for a minimum period (usually 1 month) on the chassis number, this covers you going to SVA and back a couple of times (should you fail 1st time)

 

Don't bother with the unknown companies,or tin-top specialists, they don't know a kitcar from a horse & cart!

[Guest scottie686]

If you have a policy on your vehicle where you are fully comp, or at least it states on the schedule and in the wording that you can drive any other vehicles, this entitles you to drive any other insured car and gives you the minimum coverage of third party only. The vehicle you are intending to drive (and is not owned by you/or recently purchased) must have a policy in force by the current/new owner.

 

Therefore if the owner does not have any insurance attaching to the vehicle or if the car has been purchased from dealer (cover under a traders policy ceases once the vehicle is sold), then even though you can drive other vehicles you will not be covered to drive the uninsured vehicle. Also, if the car is not taxed or MOT'd then this can also make an potential insurance claim not valid.

[enforcer]

Spot on that man