Insurance

jims-terrano · 16-07-2009, 17:55

Who do people use for insurance and what sort of money are you paying.

Mines with Directline and they're wanting £403.00 for me and the wife fully loaded and not forgetting my 3 points. It doesn't do as many miles so just waiting to see if they'll drop the premium.

Jim T

rustic · 16-07-2009, 18:05

I was just about to start a new thread on insurance, I hope you don't mind me adding to your query Jim.
My daughter has a car and she is going to stop the insurance soon.
Can I drive the car on my Maverick insurance 3rd party, OR does the car have to be insured in it's own right before I can drive it legally.
Clearly if seen by the police it would come up as having no insurance and the inevitable STOP.. but can I drive it legally?

extreme-4x4 · 16-07-2009, 18:48

NFU for me
bout 500 with 2 crashed last year

dsgrnmcm · 16-07-2009, 19:01

My insurance is 480 fully comp,legal cover ad wind screen, but no road side recovery. but it does include my k&N.

Ref Rustic's question.

my policy is fully comp,and a little line on the bottom of the isurance certificate says

"may drive any private vehicle with the owners permission (not including hire or lease vehicles)

The old myth of fully comp meaning u can drive any car at 3rd party is a load of pants.

It all depends on the driver and insurance policy.

hope it helps.

tezzer · 16-07-2009, 19:16

if you are fully comp you cannot drive another vehicle unless it is insured by the owner, it should state may drive any motor car with permission of owner,but in you schedule it will say it must be insured. only traders policy will cover any car

my wifes policy with me on as spouse, full comp, protected, windscreen and courtesy car cost £190.00.

extreme-4x4 · 16-07-2009, 19:18

Quote:

Originally Posted by tezzer

if you are fully comp you cannot drive another vehicle unless it is insured by the owner, it should state may drive any motor car with permission of owner,but in you schedule it will say it must be insured. only traders policy will cover any car

my wifes policy with me on as spouse, full comp, protected, windscreen and courtesy car cost £190.00.

christ tezzer .................. you must be really old then

extreme-4x4 · 16-07-2009, 19:15

Quote:

Originally Posted by rustic

I was just about to start a new thread on insurance, I hope you don't mind me adding to your query Jim.
My daughter has a car and she is going to stop the insurance soon.
Can I drive the car on my Maverick insurance 3rd party, OR does the car have to be insured in it's own right before I can drive it legally.
Clearly if seen by the police it would come up as having no insurance and the inevitable STOP.. but can I drive it legally?

if your policy covers you then yes , but they usually require it to be insured by the owner too. and you cant be the owner of said vehicle

Adz · 16-07-2009, 23:19

I'm with HIGHWAY
£380 Fully Comp
6 points
IN10 (for doing a friend a favour...NO longer friends )
0 no claims

Will say 1 thing though.!
From own experience & other people i know.!
DONT USE TESCOS.!
They don't pay out & right cars off when they can be repaired

jimmy92 · 16-07-2009, 23:28

Im 23 missus is 24 (on a provisional) and we pay 550 for t2 lwb 2.7td with cis-so opertive.

I asked the question and i made them say on the recorded tape (iv have a note of time and date of phone call) that im covered to drive any car insured or not as long as its not registered to me but the minute i get out the car its not covered and can be towed by the plod.

tezzer · 16-07-2009, 23:39

Quote:

Originally Posted by jimmy92

Im 23 missus is 24 (on a provisional) and we pay 550 for t2 lwb 2.7td with cis-so opertive.

I asked the question and i made them say on the recorded tape (iv have a note of time and date of phone call) that im covered to drive any car insured or not as long as its not registered to me but the minute i get out the car its not covered and can be towed by the plod.

i would'nt like to go to court with a date and time, they will proberly lose or wipe the tape, and the only way you can drive a uninsured vehicle is if you have motor traders policy, risky if you ask me jimmy.

Adz · 16-07-2009, 23:44

Quote:

Originally Posted by tezzer

i wouldn't like to go to court with a date and time, they will probably lose or wipe the tape, and the only way you can drive a uninsured vehicle is if you have motor traders policy, risky if you ask me jimmy.

This is FACT:-
If you are the named insurer on your vehicle & it states you can drive any other INSURED car 3rd party only.! Then you are safe.!

(thats how i got my 6 points & an IN10.!
I had insurance but my x friends car didn't.!)

Or

You have a traders policy with trade plates.!

If its not in black & white, then the computer says NO.!

rustic · 17-07-2009, 07:35

Quote:

Originally Posted by Adz

This is FACT:-
If you are the named insurer on your vehicle & it states you can drive any other INSURED car 3rd party only.! Then you are safe.!

(thats how i got my 6 points & an IN10.!
I had insurance but my x friends car didn't.!)

Or

You have a traders policy with trade plates.!

If its not in black & white, then the computer says NO.!

Thanks Adz and every one who made a contribution, it is clear to me that my daughters car needs to be insured then before I can drive it on my insurance ( I will check the small print in my policy), I won't take the word of a rep for the company unless it is in writing then.
Thanks again for all your comments.
Best regards,
Rustic

tezzer · 17-07-2009, 11:58

Quote:

Originally Posted by Adz

This is FACT:-
If you are the named insurer on your vehicle & it states you can drive any other INSURED car 3rd party only.! Then you are safe.!

(thats how i got my 6 points & an IN10.!
I had insurance but my x friends car didn't.!)

Or

You have a traders policy with trade plates.!

If its not in black & white, then the computer says NO.!

all this about driving other cars is fine, but it does NOT apply to commercial vehicles ie vans and trucks, my mate has just been nicked for driving a transit van,it is owned by his mate full comp, pulled over by police and when they checked his insurance it stated, policy holder may drive any other MOTOR CAR, and that means only cars, not vans etc.
a few years ago insurance policies had any ANY OTHER VEHICLE.
you must read the shedule that comes with you certifiate.

16-07-2009, 17:55	#1
jims-terrano Senior Member Join Date: Sep 2004 Location: UK Posts: 12,965	Insurance Who do people use for insurance and what sort of money are you paying. Mines with Directline and they're wanting £403.00 for me and the wife fully loaded and not forgetting my 3 points. It doesn't do as many miles so just waiting to see if they'll drop the premium. Jim T

16-07-2009, 18:05	#2
rustic Senior Member Join Date: Feb 2007 Location: Staffordshire Vehicle: Maverick Mk I 2.7 TD LWB Posts: 7,825	I was just about to start a new thread on insurance, I hope you don't mind me adding to your query Jim. My daughter has a car and she is going to stop the insurance soon. Can I drive the car on my Maverick insurance 3rd party, OR does the car have to be insured in it's own right before I can drive it legally. Clearly if seen by the police it would come up as having no insurance and the inevitable STOP.. but can I drive it legally? __________________ Ford Maverick GLX 1995 2.7TD LWB in illusion silver, 98k miles. Owned since new, for 22 years. Best car I have ever owned. Just wish I could drive it more.

16-07-2009, 18:48	#3
extreme-4x4 Senior Member Join Date: Sep 2008 Location: WALES Posts: 6,295	NFU for me bout 500 with 2 crashed last year

16-07-2009, 19:01	#4
dsgrnmcm Senior Member Join Date: Apr 2009 Location: Devon, Bideford Vehicle: T2 97 2.7tdi SWB Posts: 313	My insurance is 480 fully comp,legal cover ad wind screen, but no road side recovery. but it does include my k&N. Ref Rustic's question. my policy is fully comp,and a little line on the bottom of the isurance certificate says "may drive any private vehicle with the owners permission (not including hire or lease vehicles) The old myth of fully comp meaning u can drive any car at 3rd party is a load of pants. It all depends on the driver and insurance policy. hope it helps.

16-07-2009, 19:16	#5
tezzer Senior Member Join Date: Nov 2008 Location: basildon essex Vehicle: transit camper van 1987 Posts: 2,829	if you are fully comp you cannot drive another vehicle unless it is insured by the owner, it should state may drive any motor car with permission of owner,but in you schedule it will say it must be insured. only traders policy will cover any car my wifes policy with me on as spouse, full comp, protected, windscreen and courtesy car cost £190.00.

16-07-2009, 23:19	#8
Adz Senior Member Join Date: May 2009 Location: Roaming Nomad Vehicle: 1995 SWB Terrano Posts: 5,370	I'm with HIGHWAY £380 Fully Comp 6 points IN10 (for doing a friend a favour...NO longer friends ) 0 no claims Will say 1 thing though.! From own experience & other people i know.! DONT USE TESCOS.! They don't pay out & right cars off when they can be repaired

16-07-2009, 23:28	#9
jimmy92 Senior Member Join Date: Feb 2009 Location: midlands Vehicle: navara, bmw x5, vito van Posts: 211	Im 23 missus is 24 (on a provisional) and we pay 550 for t2 lwb 2.7td with cis-so opertive. I asked the question and i made them say on the recorded tape (iv have a note of time and date of phone call) that im covered to drive any car insured or not as long as its not registered to me but the minute i get out the car its not covered and can be towed by the plod.