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Can you still drive an 'uninsured' car on the road legally?


SambaS

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Incidentally people can't drive my cars on their (fully comp) policy as my trade insurance states it's not allowed so it's another thing to consider.

 

If your cars are on the policy then they are insured and the driving other cars that are insured should be ok (I asked an insurance broker about this)

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Some insurance companies have different terms and conditions, it's that simple. Some will cover driving other vehicles third party, when the other vehicle has no policy in effect, some won't. I have come accross companies that will cover when there is no other policy in place. The reason the stipulation for borrowed vehicles to be insured mainly arose after incidents of 'young johnny' bought himself a 1 litre metro and insured it in his own name, then bought an imprezza and registered it his mummies name. ' young johnny' then borrowed the imprezza on a regular basis and drove it third party. I know of dozens of people who drove hot hatches back in the day, that were insured in this way. In 1990 I paid £1,080 to insure my first car third party only, and it was a ford signal yellow mk1 1300 S Fiesta that cost me £400 ( insurance in N. Ireland was always a scam, and much more expensive that in the mainland).

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I drove my previously SORN'ed Escort to a pre-booked MoT, insurance, and proof I was driving for the test are all that are needed.

 

Regarding day cover, the car has to have tax and test for the vast majority of them.

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...I believe that the reason many policies stipulate separate insurance on another policy is to prevent the massive loophole of buying a barn full of cars, registering them in your wife/gran/dogs name, and driving them all on one policy.

This is why the car has always had to be insured.

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Also, there's the practical point, from the old bill's perspective: using ANPR to spot uninsured vehicles is useless unless the database that's being used can compare registration numbers to insurance policies. They want to be able to tell from a reg number whether or not a car is insured, and they can only do so if every car needs its own insurance.

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But it's not down to the plod. If the underwriter are willing to insure you without existing insurance on the car, then you have insurance and the plod can just smile and let you on your way. Road traffic act doesn't state insurance with x,y and z conditions.... Just says insurance.

 

Sent from my Nexus 7 using Tapatalk 4 Beta

 

 

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