When is being insured not being insured?

[dave21478]

Can you imagine the fucking outcry once the motoring press found out one of the biggest car insurance companies doesnt allow you to repair your own car?

 

 

Of course it means they wont pay out if you set it on fire welding.

 

 

seriously?

[Guest Hooli]

Norwich Union motorbike policies were legendary. You could ride any bike up to whatver class your's was in (250-350cc, for example, imho) so you could swap and chose as much as you liked.

 

I'm with Carole Nash on what they call a Rider Policy these days. Covers the two bikes I've got on it & any other bike I ride upto £15k.Handy when I swap with the missus (which happens a lot if I take the Bonnie out & leave it running... I hear my bike leave & notice a dumped Hardly Goesmyson to chase it on).

[Stroller133]

^

 

Well a vehicle could be taxed, insured but then the insurance lapses while it is still taxed.

 

I suppose the other side of the coin is whether owner of said car is going to be landed with various notices as cameras pick out an uninsured car on the road, and be asked to name the driver at the time?

I don't think it can still be taxed, I think continuous insurance rules mean a taxed car must be insured. And as the 3rd party cover is only valid whilst you are driving, I don't think it can be argued the vehicle is insured under your policy, as if you leave it unattended it then becomes uninsured.

 

So the question is even if your insurance covers you to drive a car without its own cover, is there any occasions that it is legal to drive a car that isn't already insured.

In that context would anyone in their right mind lend out an uninsured and probably untaxed car, bearing in mind if it's left unattended you could be considered uninsured and liable for any claims and to prosecution for no insurance?

[Guest Hooli]

is there any occasions that it is legal to drive a car that isn't already insured.

 

To/from a MOT doesn't require tax.

[Stroller133]

^ The original post didn't specify the reason, so the MOT situation would be useful if you wanted to help someone get their car MOT'd but not if you wanted the use of a car while yours is off the road etc.

[Faker]

Here's another point to muse. You have a car, and the Mrs is a named driver (not policy holder). Wife uses the car, you borrow friends and drive 3rd party. Some ins won't cover the use of two cars at the same time! Just thought I'd throw that in the mix!

[Guest Hooli]

^ The original post didn't specify the reason, so the MOT situation would be useful if you wanted to help someone get their car MOT'd but not if you wanted the use of a car while yours is off the road etc.

 

True.

 

I think you'd only get done for driving an untaxed car though, unless your docs state it must have it's own insurance. The owner would get fucked too, for allowing an untaxed car to be used of course.