Can't insure car

Open insurance is the way to go! Try allianz they will do it

Your not an employee of said company though, your wife is. There isn't really any reason therefore you should be driving her car. I guess that is the way they look at it as they took you off said policy.
Having said that you may be covered to drive any private car that you don't own under your own policy THIRD PARTY ONLY (no cover on car so if its the typical 25/30k repmobile you could be up the creek if you write it off)
If your company doesn't have it Im sure if you change your van insurance to some other company they will include it. Just shop around and then cancel your policy.

Buy another private car. Used cars are really are for peanuts these days. I cant understand how they are so cheap. In the States or Continental Europe you would pay 4 k for a car that's worth 1500 here. They are also surprisingly good. My 02 is better than a new car in terms of how it feels and looks. Its also safe and reliable. I doubt you could say that years ago ,I read one guy bough a brand new Austin and it had rusty panels out of the showroom!

punisher5112 wrote: »

Commercials policy won't let you drive private motor.

If you had a normal motor policy and had open drive on your own you could drive but would only be 3rd party.

Open driving would cover anyone over 25 with a full licence to drive on your policy. It has nothing to do with driving others cars, that's a third party extension.

Strip wrote: »

I can't take out a policy on her car as it is not in my name . What is the best way for me to insure her car ????

Im fairly sure that this does not apply to a married couple, ie both of you can take out a policy on a car that is registered in either of your names. Being married, you both have an insurable interest in the car either way.

Edit: I may have read this wrong actually. By her car do you mean the company car, or has she another car in her name?

emeldc wrote: »

I think it's unusual for the 'company' to take you off the insurance.

'Exceptional' is the word I'd use. Most insurance companies are more than happy to include the spouse in cover because it ensures that the person with less or no drink on them drives home after a night out. It also means that they can share the driving on long journeys.

OP, is there a reason why the insurance company took you off cover?

emeldc wrote: »

IMO THATS BULL****.
Either way you can't insure someone else's property. You have no financial interest in that car. It's not yours. It can't be done.

There is no legal impediment to taking out third party insurance on a car you don't own, companies do it all the time for cars they have leased for their employees.

If my car is temporarily off the road, I can walk into a garage and rent a replacement car and have my insurance temporarily transferred to it. I don't own the car but my policy can cover me to drive it.

Car insurance is not like home insurance. With a third party policy you are insuring the use of the car, not the asset itself.

coylemj wrote: »

There is no legal impediment to taking out third party insurance on a car you don't own, companies do it all the time for cars they have leased for their employees.

If my car is temporarily off the road, I can walk into a garage and rent a replacement car and have my insurance temporarily transferred to it. I don't own the car but my policy can cover me to drive it.

That's temporary insurance. Completely different to what the OP is looking for.

mickdw wrote: »

So you cannot insure a dealers car for a week?

No you can't. Not unless you have fully comp insurance to cover the value of the replacement car and can transfer it temporarily

So to take another angle. The OP buys a cheap car. Gets driving other cars with full comp cover on the extension also as AXA and others offer. IF the OP then has permission from the car owners and his driving other cars extension covers him fully comp, is he then covered to drive the car?

coylemj wrote: »

So how can company A lease cars from (leasing) company B and then pay for insurance for their (company A's) employees to drive them?

Company A is paying insurance to cover property it doesn't own and that happens all the time with company cars and vans.

The leasing company retains ownership of the vehicle for the duration of the contract with the company. But the the insurance policy is different to that of a private motor policy. The company is liable for the value of the car until the end of the lease.
Haven't you ever read on your policy ' as long as the vehicle is not hired or leased by the insured'.

Anyway this is going off topic a bit. I used to look after the replacement cars for a BMW main dealer during the boom. I don't think the rules have relaxed much :rolleyes:

ThisRegard wrote: »

You can in the situation already outlined, a husband can insure his wife's car, and vice versa. Insurance company depending.

Correct. I'm insured in my wife's car and visa versa, fully comp, because we're married.
But it's not his wife's car.

mickdw wrote: »

So to take another angle. The OP buys a cheap car. Gets driving other cars with full comp cover on the extension also as AXA and others offer. IF the OP then has permission from the car owners and his driving other cars extension covers him fully comp, is he then covered to drive the car?

I can't say that type of extension doesn't exist but it was never offered to me. Have you a link.

corktina wrote: »

you would still need the Owner's permission

And if you don't have the the owners (your wife's employer) permission and you are in an accident you and your wife could find yourselves in some very deep trouble.
Not worth the risk, buy yoirself a cheap runaround.
I am with Zurich and I have both commercial and private insurance in my own name with them.

ThisRegard wrote: »

I know it's not his wife's car. But you said you can't insure something you don't own, end of, when in fact you can.

Correct, you can insure a car you do not own.
However, you cannot have a car insured with two insurance policies.
Most insurance companies will allow you to temporarily insure a car not in your name, but usually only for a month and as long as there is no other insurance coving the same car.