ok, this next year my plan is to ensure 2x cars at a time.
im 21
3 years no claims
saxo costs around £250 to insure
r5 costs around £500
205 costs around £600.
I plan to insure the saxo as my daily work commuter and have either the r5 or 205 (one at a time ready for weekends and shows etc.
my question is how does insurance work in these situations and does it usually just work out as the 2 car insurances combined >?
What you want to do is have you only on all 3 cars no extra drivers... then it works out nice and cheap for all 3, as you can only drive one at once... yet the liability for the ''Hot hatch'' and fast car blah blah remains but at a lesser rate as not the 1st choice car... if you get me.
You can get a multi-car policy, or insure them as 2 separate cars. Get a trade policy much easier.
Been struggling with this conundrum(?) for a while. These Three just don't seem to go into one.
Berlingo van-separate van insurance
Clio Trophy- with modifications and protected no claims
Ren 5GTT with agreed value
Had to take out three different insurances on these
are trade policys not super expensive though, and dont i also need to be in a trade of a description.
Not expensive, can qualify in several ways:-
Buy and sell cars
Tyre fitter
Exhaust fitter
Breaker / Dismantler
Mechanic
The list goes on.
Unless things have changed then Trade policies only cover you on cars you don't actually own or it puts the price up dramatically. I tried to do multicar on the Slag and Maria's Volvo and it worked out dearer than insuring them seperately. Most insurers won't do modifieds on multi car policies either which is a pain.
I've got two policies with the same company. They let me mirror my NCD, so it's effective on both policies. You can't use your NCD with two companies at the same time, usually!
I am the same 2 policies with the same company and I think they used my ncb on both policies.Originally Posted by The new Bill J
Names? Ve vant names!
Fred?
Of these multi-car policy/mirror ncb insurance co's, you geeza.
You know who I'm insured with, you Elephant
Hmmm. Interesting, as Elephant won't insure modified (Jap') cars...
Say no more, eh Billy
Well they insure mine, with the mod'sHmmm. Interesting, as Elephant won't insure modified (Jap') cars...
Say no more, eh Billy
Ooooook
Straight upOoooook
i have a fully comp policy on my daily driver, we have registered the 5 in partners name and i can drive that 3rd party only, as long as its taxed and motd, thats with privilege.
I know its going to be awkward every year getting it taxed and im not covered if stolen but, my insurers would not mirror and the car will not get left in supermarkets car parks etc.
phil
Is your partner insured on it? Because the car needs to be insured by someone for you to be covered 3rd party.
Yes, this is true.
As for my trade policy I can have my own cars on it up to 5. 3rd party only.
No she is not, googled it then checked with my insurers, some of the bigger company's only ask for the car to have tax and mot.
phil
I've never heard that before.
This is new to me. Which big company (s) offers this?
can not remember who it was when googled, i rang up my insurers privilege to double check with them, the girl said OK then checked with her supervisor.
You have got me worried now guys
phil
Phil,
Not meanign to sound rude or anything but i would seriously call your insurance company if this is correct & for them to put it in writing, otherwise you are driving illegally...
& not to mention what would happen if you car got nicked, caught fire etc...
Not driving at the moment anyway, just got the car, its getting restored over the next 6 months or so. Like i said if the above is true then, fire or stolen are the only issues i have to worry about.
I will double check and getting it in righting is probably a good idea, just got off a 2 year ban
phil
Well I'm not going to take his word for it ....
The car has to be insured by someone else for you to drive it on your comp insurance third party .
http://www.mumsnet.com/Talk/legal_mo...does-the-other
another hear, it sounds that this is a bit of a grey area
phil
It's not a grey area ..it's just not what you want to hear
contacted essex police today there is a facility to get the law on traffic laws.
Subject: RE: Traffic Law Question from Essex Police Website [NOT PROTECTIVELY MARKED]
Date: Thu, 19 Nov 2009 16:16:40 +0000
From: Paul.Barber@essex.pnn.police.uk
To: philgauntlett@hotmail.com
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Phil
If you are driving an uninsured car on your insurance policy the car will show as being uninsured if you drive through an ANPR camera and there is a good chance you will be stopped. I recommend you carry your documents on you.
Regards
Paul
PC 645
Traffic Law Trainer
Police HQ
Springfield
Chelmsford
Essex
CM2 6DA
Non-emergency number 0300 333 4444
Ext 55670
-----Original Message-----
From: phil gauntlett [mailto
Sent: 19 November 2009 08:49
To: Paul Barber
Subject: RE: Traffic Law Question from Essex Police Website
So insurance companies are paying out, if i say drive an uninsured friends car on my policy, have a bump, my insurers pick up the bill for the other car involved correct?
Also will i not get a pull, of traffic because the car flags up the car im driving on there fancy plate detectors?
If that the case i should maybe carry all my documents with me.
phil
> Subject: RE: Traffic Law Question from Essex Police Website
> Date: Thu, 19 Nov 2009 08:30:10 +0000
> From: Paul.Barber@essex.pnn.police.uk
> To: philgauntlett@hotmail.com
>
> Philip
>
> If you're insurance company say that it is ok for you drive other
> vehicles on your insurance policy it will be ok. The reason for this is
> some companies are removing this from their policies as it is costing
> them to much in claims.
>
> If a vehicle is being driven on a road it must be insured and MOTed
>
> Regards
> Paul Barber
>
> PC 645
> Traffic Law Trainer
> Police HQ
> Springfield
> Chelmsford
> Essex
> CM2 6DA
> Non-emergency number 0300 333 4444
> Ext 55670
>
> -----Original Message-----
> From: philip gauntlett [mailto
> Sent: 19 November 2009 08:24
> To: Traffic Law Questions
> Subject: Traffic Law Question from Essex Police Website
>
> philip gauntlett (philgauntlett@hotmail.com) just submitted the
> following Traffic Law Question via Essex Police website. question, i am
> 34 and im fully comp on my insurance, i know i can drive any other car
> 3rd party only, with the owners permission. This seems to be a bit of a
> grey area, as some people sat the other persons car has to be insured
> to, others are saying no just taxed and motd. So i rang my insurance
> company to check and they told me as long as i have permission and the
> car is taxed and motd in ok.<br /> <br /> I really dont just want to
> take the word of someone in a call centre, could you please clear this
> matter up for me.<br /> <br /> thanks phil
>
>
> -----------------------
> IP: 93.96.53.36
> -----------------------
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I stand corrected ....I would still be very wary though .
It's not like insurance companies not to have some sort of get-out .I would need it spelling out in black and white .
Well, I'm somewhat surprised & confused at that reply from PC plod as well!
I thought the only way you could legally (insurance cover point of view) drive another car is if the car insurance policy is either in your name, or you're down as a named driver on someone elses policy, or whoever owns/insured the car has given you permission to drive it.
If that wasn't the case, what's to stop anyone getting fully comp'/drive any car insurance on a cranky old 1L fiesta, then going out & buying a gt3 rs (as an example), and not bothering to insure it, going on the proviso that the cheap as chips fiesta insurance policy will cover you driving the porker.
That's either a massive loophole (which I very much doubt is the case, otherwise everyone would be at it) or someone, be it you, the insurance company, or PC plod, is crossing some wires somewhere down the line.
i totally agree with what you guys are saying i thought the same, i new i was buying my 5 so stated to look into insuring, another policy or multicar, i can not mirror my 9 years nc bonus and with a dd40 on my licence it was fortunes as my bonus was being used on the bmw. I also looked into a trader policy to for when my 5 is restored.
I then did a bit of googling, and found the above link, so i rang my insurers up, like i said some companies do this and lucky for me this is the case, sorted.
I am only going to put maybe 1000 mile a year on the car so that had to be taken into account, i know taxing the car is going to be hard, if its stolen, crashed goes up in flames im fecked.
If i take the car to work its outside 5mtrs away, garaged at night to.
I wayed up the pro and cons and at the moment i can not justify paying £800 per year for 1000 miles. I will look to get a multi car policy next year, then just add me as the registered keeper.
I was just replying to this thread as another alternative for a second car if you were doing very little miles and you are prepared to loose the cash invested should something happen.
I agree with the whole fiesta thing gt3, but would you spend 80-100k on a car and do this drive it with no fire, theft and 3rd party only, i guess most people buying something like that would not do what i am doing. Just an alternative, all be it a bit sketchy.
As the pc said and some comments, carrying my doc will be a must, nothing wrong with the car to
phil
Sounds as dodgy as feck to me.
The fiesta/gt3 comment simply meant why would anyone bother paying out top dollar just to insure a car of that nature to make it road legal to drive, as that's what this thread's about.
I wasn't looking at it from a stolen, set alight, etc point of view, as, obviously, you'd have if fully comp' or whatever covered.
hmm, im really interested in the outcome.
my saxo costs like £200 a year to insure
the r5 costs £510
combined they wanted £1350
admiral multicar policy.
I don't believe this for one second. I could potentialy insure my fiat cinq fully comp and then buy a cheap scooby, and be covered 3rd party! No way! Only one way to find out, keep us posted when you get stopped by the police, and see what they say to you, "so sir you've been previously banned and have no insurance........." I would not like to be in that senario.
This is the information i have, we have two links where this has been discussed, where people have said that this is possible, i personally don't believe in hear say, so i rang my insurers who also confirmed, i have also now questioned essex traffic police advice service where a nice police man has taken the time to reply with his verdict.
Im not saying im right and everyone else is wrong simply, this is what i have been lead to believe from the information i have from creditable people.
phil
I know what your saying phil, but I still dont think this information is correct. There's only one thing for it.......we are all gona have to wait till you get pulled and see what happens. You are gona be our test dummy!
I don't know what you guys have understood from the police emails or from insurers but this situation is obvious to me. Extracts:
--------------------------
If you're insurance company say that it is ok for you drive other vehicles on your insurance policy it will be ok.
If a vehicle is being driven on a road it must be insured and MOTed.
If you are driving an uninsured car on your insurance policy the car will show as being uninsured.
-------------------------
The doofus, who has written this very poorly, is referring, in the first sentence, to the clause you must have in your insurance. And in the second sentence is referring to a car owned by a third party. He quite clearly states that the other car has to be insured (i.e. by that person). Lastly he reiterates the requirement for that insurance.
The rules are simple, the other car has to be 'owned and insured' by another person for you to be able to drive it third party (assuming you have an insurance policy that has a 'drive any other car third party' clause in it). Full stop. Forget the links, it's bullsh*t, illogical (for the reasons mentioned), and you need to stop kidding yourself.
The point is, that every car on the road has the appropriate insurance. If you drive your millionaire mate's Ferrari using your third party cover (and whereby he's paid for his own costly policy), what it means is that you're personally liable for the damage to his car if you prang it (that's the catch). Your 3rd party insurance covers the damage you've made to other people/cars, and that's it. His insurance don't care because it's not their client driving the car and therefore not thier pigeon. Your mate will have of course understood this when he say's "You insured 3rd party Phil? Ok, go for it but you better have plenty in the bank if you bust up the Modena!"
If you want cheap insurance on a hot motor, you register it in your granny's name, (who is old and has mega NCB), register it and park it at her address, request very limited mileage (to keep the price down) and pay the cost yourself (which will still be substantial but far less than if you'd insured the car). Then you get a mini, insure as cheap as possible but that has a 'drive any other car' clause. Then go round to your granny's and away you go, legally, as long as it's only occasional use with her permission.
The risks with this are that is the insurance company investigate and decide that you're drive the car more than your granny, you're in the sh*t. Also of course, whilst you're driving it, although legal as discussed, you will also have to shell out for any damage you do to it.
I've been using 3rd party cover for years and drive my parents car (a big estate for lunking stuff about), my missis car, my mates car etc etc whenever it suits us to do so (very carefully). It doesn't matter what level of insurance they have, as long as they have cover, MOT, tax and I have their permission. Of course if something happens and it's my fault, I have the money to replace the car.
There is nothing else to know, no grey areas, that's it.
On mirrored NCB, that's the best way I found of insuring my two cars together. With HIC. Until recently I had my Prelude (£300) and GTT (£145) sorted. I could drive either, whenever I wanted. Fortunately I've not claimed in ten years and I'm over 30.
Hope this clarfies this for you Phil.
Last edited by Trevhib; 20-11-2009 at 12:49.
Yeah, but no, but yeah, but...
Trev, I'm agreeing with you. That's pretty much what I outlined previously. The 'yeah but no' comment is that it's bound to all be argued about again...
Oh, sorry mate
You can see how I might have misunderstood though eh
not necessarily, i have been round the doors on this one, police station, newcastles traffic, and finally back on to my insurance.
Conclusion is only in an emergency. I can drive a uninsured car if taxed and motd, but only in an emergency.
mr officer it is an emergency my gt turbo needed a good blast
All i can say is i have been very lucky, i was all set to drive this gt once it was all road worthy from the information i though was correct.
phil
What does using an uninsured car in an emergency have to do with this conversation? Nowt, it's not relevant, though it is interesting. I'd imagine it's a true grey area, left to the courts to decide what constitutes an 'emergency', taking each case on its merits.
I think you'd have a hard time in court getting away with using an uninsured car to get your Mrs to the hospital to give birth in the midst of an ambulance strike. 'What's wrong with a taxi?', I can hear the magistrate saying.
Glad you've worked out what's what now in any case, though I thought the police made it clear in the first instance.
quinn direct allow you to drive other cars that are'nt insured by a third party
apologies if quinn direct has already been mentioned? i could'nt be bothered to read every post
So that means you'd have a car registered to someone else that's insured firstly (in order for it to be MOT'd and then taxed), then the insurance runs out, then you borrow it and that's ok...quinn direct allow you to drive other cars that are'nt insured by a third party
apologies if quinn direct has already been mentioned? i could'nt be bothered to read every post
If that were true, put into my Granny analogy, you could get to her to insure the car, get it MOT'd and taxed and then cancel the insurance (to get your money back), then you can drive it all year on your 'Mini insurance with driving other cars' policy.
Seems shady to say the least.
I just rang Quinn (as I really am that anal), and I'm feckin gob-smacked, they do it (as long as you're not in the motor trade).
I took the lady through the loop-hole I describe above and she said 'yes, that is possible' and it's all legal. She said of course if it were obvious that had happened and a young lad was driving his Corsa for work Mon-Fri, and his Gran's Skyline every weekend (i.e more than occasionally), and then had a big accident, they and the Police would collaborate/investigate and the insurance would be void if it were deemed shady enough, leaving said young lad 'exposed'. She also reiterated of course that any damage to his "Gran's" flash car was not covered.
I'm totally feckin amazed. Phil, you may have a solution mate.
like i said, not looking for an argument, just repeating what i thought was correct.
so it seems that some insurance companies allow this, my 1st call to mine said it was ok, second call about this today conflicted what the supervisor had said on my last call. I suppose its because it so open to abuse.
this is not a grey area its black.
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