Comprehensive driving insurance

Help!!!!

Can someone with comprehensive driving insurance drive a uninsured car from A to B?
Gonna buy a car but do I need to get insurance on the car to drive home if I've already got comprehensive insurance on another?

Dord

Help!!!! wrote: »

Can someone with comprehensive driving insurance drive a uninsured car from A to B?
Gonna buy a car but do I need to get insurance on the car to drive home if I've already got comprehensive insurance on another?

Depends on your policy but generally no. Check your policy. I know mine states that I can drive other cars, but not a car I own. I'd need a separate policy on that. Call your ins. co in the morning and get the insurance transferred over. Should be fairly quick.

Atlantic Dawn

Typically yes once they are not the buyer of the car, just check that the certificate of insurance has driving of other cars included, some policies don't. You can't drive another car if you own it.

ironclaw

Generally most insurance companies allow you to transfer your policy temporarily to any car, so even in the worst case you are covered.

bazz26

It depends on the driver's insurance policy but generally the driver's insurance policy will cover them with extended third party cover to drive other cars as long as that car is not owned by them. They may have other stipulations though such as the car must have a valid NCT or maximum engine size, etc.

You really need to consult your insurance policy or verify with your insurance company however for specifics.

corktina

In any case it's only third party cover and an awful risk ,should something occur, it could be a total loss

oldyouth

If you buy the car, you therefore own it. As a result it must have its own policy for you to drive it, or you can swap it temporarily off your current policy until it can be arranged. This means you cannot drive your current car and it would have no fire or theft either

mgbgt1978

....unless you're with Liberty who don't do Temporary Transfers.
Only Permanent transfers, which means switching the whole policy back again if you wish to drive your existing car later (and of course there is an Admin fee when you switch back)

Could you not get somebody who has a 'driving other cars' extension on their policy to drive it home for you?

fmcg_scribe

Usually, if you have comprehensive car insurance for your own car, you will have third party cover to drive other cars - but that would not cover you for stuff like driving a taxi or any other form public hire. Other obvious exclusions would include driving a car other than your own on a race track.

Your insurance policy certificate should clarify whether you are covered to drive other (private) cars.

mgbgt1978

The Op has stated that he is buying a car, and asked if his insurance will cover him to drive it home.
It won't, unless he transfers his policy onto the newly purchased car.

He didn't mention Taxi's, PSV's or Racing this Car.....totally irrelevant

fmcg_scribe

mgbgt1978 wrote: »

The Op has stated that he is buying a car, and asked if his insurance will cover him to drive it home.
It won't, unless he transfers his policy onto the newly purchased car.

He didn't mention Taxi's, PSV's or Racing this Car.....totally irrelevant

Eh, I was trying to be comprehensive in my reply.

OP should check with his current insurer if he's in any doubt about the extent of the cover on the car he currently owns.

In passing, I have to say that it would be usual to organise car insurance for a new or used car before you collect it from the seller.

bugsntinas

we are with axa and they will add a vehicle onto our comp ins.we added a motorhome recently for a day at €21.

oldyouth

mgbgt1978 wrote: »

....unless you're with Liberty who don't do Temporary Transfers.

Never heard of that

mgbgt1978

fmcg_scribe wrote: »

Eh, I was trying to be comprehensive in my reply.

OP should check with his current insurer if he's in any doubt about the extent of the cover on the car he currently owns.

In passing, I have to say that it would be usual to organise car insurance for a new or used car before you collect it from the seller.

Eh, Comprehensive ? Eh, The Op didn't ask about Taxi's etc....Irrelevant info.

He is not in any doubt about what cover he has on his current car . He has already told us that he has Comprehensive insurance.

He posted asking about cover for his 'new' car. Presumably so he can organise it.

Nothing in your 1st post was in relation to the OP's question. :rolleyes:

mgbgt1978

oldyouth wrote: »

Never heard of that

Happened to me twice this year. Had to pay an admin fee on the transfer back to original car. €46 both times.
Phone call as follows
Me; Hi, can I transfer my policy onto a UK reg car for 2 days to enable me to drive it home ?
Liberty; Is this a permanent or temporary transfer ?
Me; Just a temporary transfer.
Liberty; Sorry, we only do permanent transfers......

Having said that my son transferred his policy temporarily with them earlier this year...so not sure if it's a new thing or just depends which agent you get when you ring them.

Gosub

Just a related question. When does ownership transfer to the buyer? Looking for actual facts here not "I'd imagine..."

If ownership didn't transfer until the registered owner changed, couldn't you drive the car under your own policy, as it doesn't belong to you yet? Just a hypothetical question as I would transfer my policy for complete cover.

fmcg_scribe

mgbgt1978 wrote: »

Eh, Comprehensive ? Eh, The Op didn't ask about Taxi's etc....Irrelevant info.

He is not in any doubt about what cover he has on his current car . He has already told us that he has Comprehensive insurance.

He posted asking about cover for his 'new' car. Presumably so he can organise it.

Nothing in your 1st post was in relation to the OP's question. :rolleyes:

You need to catch yourself on. Everyone who's seen this discussion picked up that OP has comprehensive insurance. The question that the OP raised was around terms and conditions, specifically, exclusions of his policy.

mgbgt1978

You need to read the question being asked.
Op asked if his policy would cover him to drive another car which he is buying.
He was told it would not, as a 'driving other cars extension' only covers cars owned by somebody else.
It really was that simple.
There is no need to waffle on about PSV's, Use for Racing, etc.

fmcg_scribe

mgbgt1978 wrote: »

You need to read the question being asked.
Op asked if his policy would cover him to drive another car which he is buying.
He was told it would not, as a 'driving other cars extension' only covers cars owned by somebody else.
It really was that simple.
There is no need to waffle on about PSV's, Use for Racing, etc.

OP said:

"Can someone with comprehensive driving insurance drive a uninsured car from A to B?
Gonna buy a car but do I need to get insurance on the car to drive home if I've already got comprehensive insurance on another?"

Where did OP say that he was told anything (by his insurer)?

fmcg_scribe

Gosub wrote: »

Just a related question. When does ownership transfer to the buyer? Looking for actual facts here not "I'd imagine..."

If ownership didn't transfer until the registered owner changed, couldn't you drive the car under your own policy, as it doesn't belong to you yet? Just a hypothetical question as I would transfer my policy for complete cover.

Registered owner has nothing to do with car insurance. For example, if you sell a car privately, it is up you to tell you insurer that the car has been sold. The change to the car's log book details will happen separately on a separate timeline.

Wile E. Coyote

mgbgt1978 wrote: »

Happened to me twice this year. Had to pay an admin fee on the transfer back to original car. €46 both times.
Phone call as follows
Me; Hi, can I transfer my policy onto a UK reg car for 2 days to enable me to drive it home ?
Liberty; Is this a permanent or temporary transfer ?
Me; Just a temporary transfer.
Liberty; Sorry, we only do permanent transfers......

Having said that my son transferred his policy temporarily with them earlier this year...so not sure if it's a new thing or just depends which agent you get when you ring them.

Could it be the UK reg that was the problem for the temp transfer?

mgbgt1978

fmcg_scribe wrote: »

Where did OP say that he was told anything (by his insurer)?

He didn't... he was informed of this by several posters here.
Do you actually read the other posts here before posting ?
The reply you just gave to Gosub's question was not what he was asking for example.
He wanted to know if he would be covered (under driving other cars) if he had just bought a car, and completed the change of ownership, as the time of change is not recorded.
He wouldn't be covered by the way, as in the event of an accident the Guards would simply ask the seller what time the car was transferred to Gosub.

mgbgt1978

Wile E. Coyote wrote: »

Could it be the UK reg that was the problem for the temp transfer?

No, I wouldn't think so. The second time I did this I didn't mention anything about a UK car until after the agent told me they don't do temporary transfers.
The second guy mentioned that they used to do them and charge a fee. He then told me that the admin charge for transferring back to my original car was probably their way of charging this fee in a roundabout way.

And surely it would be even more likely that I would only need a Temp Transfer onto a UK Reg.

Gosub

fmcg_scribe wrote: »

Registered owner has nothing to do with car insurance. For example, if you sell a car privately, it is up you to tell you insurer that the car has been sold. The change to the car's log book details will happen separately on a separate timeline.

OK, so, when does ownership transfer, in law? Honest question.

RustyNut

corktina wrote: »

In any case it's only third party cover and an awful risk ,should something occur, it could be a total loss

Just for clarity AA insurance give fully comp cover on driving other cars.

fmcg_scribe

mgbgt1978 wrote: »

He didn't... he was informed of this by several posters here.
Do you actually read the other posts here before posting ?
The reply you just gave to Gosub's question was not what he was asking for example.
He wanted to know if he would be covered (under driving other cars) if he had just bought a car, and completed the change of ownership, as the time of change is not recorded.
He wouldn't be covered by the way, as in the event of an accident the Guards would simply ask the seller what time the car was transferred to Gosub.

In comment #11, I added the following rider, which should have closed this discussion: "In passing, I have to say that it would be usual to organise car insurance for a new or used car before you collect it from the seller."

I say that based on my experience of buying and selling used cars in UK and Ireland.

If someone wants to buy a new or used car before moving on the car they currently own, they should arrange cover for the new car before collecting it from the seller.

If someone wants to own two or more cars simultaneously, they can opt for a multi-car policy with current insurer or insure each separately with different insurers - the latter approach usually works out better value.

mgbgt1978

RustyNut wrote: »

Just for clarity AA insurance give fully comp cover on driving other cars.

As do AXA, in certain cases.

fmcg_scribe

Gosub wrote: »

OK, so, when does ownership transfer, in law? Honest question.

Based on my own experience, assuming that you have arranged cover for the car in advance, it begins on the day and time that you agreed with you insurer. Therefore, unless you're in the motor trade and have open insurance, it's tricky to buy a car and drive away immediately unless you have laid the groundwork with your insurer.

mgbgt1978

Please, please read the question. Just for once.
He wants to know exactly when vehicle ownership changes....nothing to do with insurance

fmcg_scribe

mgbgt1978 wrote: »

Please, please read the question. Just for once.
He wants to know exactly when vehicle ownership changes....nothing to do with insurance

For insurance purposes, "ownership" changes at the day and time arranged with your insurer (and the seller).

For log book purposes, change of "ownership" works differently.

JapaneseLove

Help!!!! wrote: »

Can someone with comprehensive driving insurance drive a uninsured car from A to B?
Gonna buy a car but do I need to get insurance on the car to drive home if I've already got comprehensive insurance on another?

Depends on your policy. If you have driving of other vehicles, then yes. But u cannot be the registered owner of the vehicle. Ring ur insurance company to find out. Also it needs a valid NCT, unless its less than 2 years old.

I sell insurance for a living by the way.

mgbgt1978

JapaneseLove wrote: »

Depends on your policy. If you have driving of other vehicles, then yes. But u cannot be the registered owner of the vehicle. Ring ur insurance company to find out. Also it needs a valid NCT, unless its less than 2 years old.

I sell insurance for a living by the way.

Only with some insurers...

RustyNut

Gosub wrote: »

OK, so, when does ownership transfer, in law? Honest question.

When you become the beneficial owner.

fmcg_scribe

RustyNut wrote: »

When you become the beneficial owner.

You could become the "beneficial" owner as soon as you pay for the car and drive it away insured (of course). However, it's the car's log book that will confirm you as the owner.

Obviously, if the car was sold to you illegally, your legal title to the car would then be in question but that would not concern your insurer until you informed them.

mgbgt1978

^^^^^ ??? I'm starting to smell a Troll .

Nobody could post so many times and never answer the questions asked....

JapaneseLove

mgbgt1978 wrote: »

Only with some insurers...

Indeed. Yes. As i said check wit the insurance company/broker. I know of 6 companys that do it.

fmcg_scribe

mgbgt1978 wrote: »

^^^^^ ??? I'm starting to smell a Troll .

Nobody could post so many times and never answer the questions asked....

It's just you looking for trouble. Any time you see a post that doesn't fit your view of the world, you lose the plot.

Take a break.

JapaneseLove

Help!!!! wrote: »

Can someone with comprehensive driving insurance drive a uninsured car from A to B?
Gonna buy a car but do I need to get insurance on the car to drive home if I've already got comprehensive insurance on another?

Also if u are selling ur current car/trading in to get the new one you just ring insurance company/broker and do a permanent sub.

CosmicSmash

fmcg_scribe wrote: »

You could become the "beneficial" owner as soon as you pay for the car and drive it away insured (of course). However, it's the car's log book that will confirm you as the owner.

Obviously, if the car was sold to you illegally, your legal title to the car would then be in question but that would not concern your insurer until you informed them.

Why would you have to be insured be the beneficial owner, surely once the car was paid for you would be the beneficial owner irrespective of whether you had insurance or not. You paid for it and it's your car, no?

RustyNut

fmcg_scribe wrote: »

You could become the "beneficial" owner as soon as you pay for the car and drive it away insured (of course). However, it's the car's log book that will confirm you as the owner.

Obviously, if the car was sold to you illegally, your legal title to the car would then be in question but that would not concern your insurer until you informed them.

This is exactly when you become the owner of and take responsibility for ownership.Paperwork can happen later.
For example if the OP in this case was to buy the car and get his partner to drive it home taking a chance on driving with no insurance and get pulled then the driver would be guilty of driving without insurance, the owner would also be liable to a charge of permitting a car to be used without insurance, who do you think would have to face that charge the seller or the buyer.

fmcg_scribe

Monkeykube wrote: »

Why would you have to be insured be the beneficial owner, surely once the car was paid for you would be the beneficial owner irrespective of whether you had insurance or not. You paid for it and it's your car, no?

True, you paid for the car but should be you be driving it on public roads if it's not insured? So, yes, you are the owner of the car after you've pad it but unless you are using/driving the car are you really the "beneficial" owner (if that phrase means anything in this particular discussion)?

mgbgt1978

fmcg_scribe wrote: »

It's just you looking for trouble. Any time you see a post that doesn't fit your view of the world, you lose the plot.

Take a break.

At least I see (and read) the posts.:rolleyes:

fmcg_scribe

RustyNut wrote: »

This is exactly when you become the owner of and take responsibility for ownership.Paperwork can happen later.
For example if the OP in this case was to buy the car and get his partner to drive it home taking a chance on driving with no insurance and get pulled then the driver would be guilty of driving without insurance, the owner would also be liable to a charge of permitting a car to be used without insurance, who do you think would have to face that charge the seller or the buyer.

Interesting scenario but is it relevant?

In my view, there are three stages to taking ownership of a car:

• Buy the car and possibly pay for it in full and get an invoice or receipt of sale from seller. This about establishing your legal title to the car. At around the same time, you'll probably organise with the seller the details required to update the car's log book. If you don't have open insurance or you can't transport car home, you'll have to arrange insurance.
• Arrange insurance and collect car from seller. If you paid only a deposit initially, you'll also settle final balance with seller and get a final invoice. This all about establishing your right to drive the car legally on public roads.
• Receive updated log book in post. This will confirm that you are now the registered owner.

fmcg_scribe

mgbgt1978 wrote: »

At least I see (and read) the posts.:rolleyes:

You have nothing new to contribute to the discussion.

CosmicSmash

fmcg_scribe wrote: »

True, you paid for the car but should be you be driving it on public roads if it's not insured?

No, that would be foolish. I just wanted to know if it was the case that you had to be insured to be the "beneficial owner", according to your post you did. You have corrected this so I'm going to leave it there, it's gone way ot as it is.

RustyNut

Gosub wrote: »

OK, so, when does ownership transfer, in law? Honest question.

fmcg_scribe wrote: »

Interesting scenario but is it relevant?

In my view, there are three stages to taking ownership of a car:

• Buy the car and possibly pay for it in full and get an invoice or receipt of sale from seller. This about establishing your legal title to the car. At around the same time, you'll probably organise with the seller the details required to update the car's log book. If you don't have open insurance or you can't transport car home, you'll have to arrange insurance.
• Arrange insurance and collect car from seller. If you paid only a deposit initially, you'll also settle final balance with seller and get a final invoice. This all about establishing your right to drive the car legally on public roads.
• Receive updated log book in post. This will confirm that you are now the registered owner.

The question was when does ownership transfer not when do you become the registered owner, they are not the same thing.

fmcg_scribe

Monkeykube wrote: »

No, that would be foolish. I just wanted to know if it was the case that you had to be insured to be the "beneficial owner", according to your post you did. You have corrected this so I'm going to leave it there, it's gone way ot as it is.

True. "Beneficial" owner seems like a woolly, nebulous phrase. UK DVLA log books distinguish between "owners" and "keepers" of cars. Still, for this discussion here, I'm not sure that splitting hairs around the phrase "owner" is helpful or relevant.

mgbgt1978

RustyNut wrote: »

The question was when does ownership transfer not when do you become the registered owner, they are not the same thing.

Don't bother Rusty. I've tried (on a few threads here) but "Brick Wall" springs to mind.


edit; BTW ownership changes when you, the buyer, signs the VLC.

fmcg_scribe

RustyNut wrote: »

The question was when does ownership transfer not when do you become the registered owner, they are not the same thing.

Stage 1 as I outlined - yes?

fmcg_scribe

mgbgt1978 wrote: »

Don't bother Rusty. I've tried (on a few threads here) but "Brick Wall" springs to mind.

Still here?? Still nothing new to contribute.

RustyNut

fmcg_scribe wrote: »

Beneficial owner

Its a legal term, the question was a legal one.