Hi,
I need to get some road tax for my Honda. Now, this car doesn't have its own insurance so I drive it all the time, third party through the policy with my Evo.

Question is, I need to renew the road tax for the Honda tommorow and I need to provide insurance details with it. Will they accept the policy document for a different car and accept the fact that I only drive it through my own policy?

Thanks.

Cem

 

Cem

Are you sure that you are driving this car legally, because to drive a car third party on your Evo insurance the car must be in somebody elses name and be insured by them.(i think)

Scott

 

Cem

A man of your experience and you are making a mistake of this magnitude.

When a policy says that you can drive any other car 3rd party under your insurance it also has some very important small print.

It clearly states on my policy that to drive a second car as a third party it must be owned, registered and INSURED by another person, excluding hire cars etc.

That means to drive a second car it must be insured in someone elses name. You cant just drive any old car on your first cars policy. This is how I interpret the rules anyway - may need clarifying though with Rum and Stuart H.

I would hate to see you banned for a simple error.

DW

 

Cem
It's true - if the Honda is in your name, you aren't covered TP off the Mak's cover.....never mind banned - just pray you don't run a rich Canadian lawyer over on a zebra crossing....

 

Tut tut.....naughty Blow Dog

 

DogBlow mate, you know every so often you go through one of those "why does it always have to happen to Cem" periods - guess what.....!!

 

<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:<HR>Originally posted by Blow Dog:
<B>Hi,
I need to get some road tax for my Honda. Now, this car doesn't have its own insurance so I drive it all the time, third party through the policy with my Evo.

Question is, I need to renew the road tax for the Honda tommorow and I need to provide insurance details with it. Will they accept the policy document for a different car and accept the fact that I only drive it through my own policy?

Thanks.

Cem[/quote]

If you arent bothered about the honda get a cheap tp insurance only or get your policy to show any motorvehicle owned

 

However...

Saying all that, you'd probably get away with the policy certificate 'cos it says (undoubtedly )

<I>"Any car the property of the policyholder..."</I>

Used to work for me on tax & HORT-1's

Doesn't mean you are correctly insured though so sort/check it out properly for the real thing.

 

[QUOTE]Originally posted by Puff The Magic Wagon!:
[B]However...

Saying all that, you'd probably get away with the policy certificate 'cos it says (undoubtedly )

<I>"Any car the property of the policyholder..."</I>

James
Not any more they don't.....the cert will specify the reg no of the insured vehicle plus the wording these days is usually "may also drive with the consent of the owner thereof a motor car not belonging to him/her and not hired to him/her....."

In any case, a policy is priced for one vehicle, not two. After all, and Cem has NOT done this, but theoretically, someone could try it the other way - insure a £50 wreck, and try and drive a £33,000 Mak on it all the time....FRAUD. Reiterate, NOT accusing Cem of this - I know him better.



[This message has been edited by Dave T-S (edited 05 April 2001).]

 

I only know Cem from on here but I know it will be a simple error. The policies are worded so stupidly these days that it is hard to understand what you can and cant do.

I would check it though BD.

DW

[This message has been edited by Dream Weaver (edited 07 April 2001).]

 

Cem.

Chill out, call the insurance co. in the a.m. If its moody, get it sorted. And live and learn.

Nothing lost. Mistakes happen.

R

 

Oh dear,

RUUUMM!

Thanks a lot for your advice guys, I really appreciate it. Although I seriously doubt I have been on the wrong side of the law, however, I shall find out tommorow.

Cheers,

Cem

[This message has been edited by Blow Dog (edited 06 April 2001).]

 

Keep us posted Cem

DW

 

Cem,

Have a vague recolection of running into the same prob when I got my Fiesta and was told I needed a seperate policy.

Sadly their ain't no such thing as a cheap third party policy, I think this is probably because the loss on your car is limited to its value, where as third party liability can be as much as, well a lot, just ask Fortis, the guys who insured the landrover that broke the trains. I paid £270 for my first years insurance on a 1984 Ford Fiesta 1L GL, 1984 no claims or convictions.

Dave

 

Cem,

I agree with everyone else's comments - your insurance on the Evo won't cover the Honda.

Also, I'm afraid you start from scratch with the new insurance - your existing NCB doesn't apply.

I had to do this a few years back, and it was a bit of a painful process building up the NCB on the second car!

Pete

 

Just hurry up and get to 2000 posts boss.

 

Just read my small print and the proposal end-to-end, nothing in there about the other car having to be insured by anyone else.... just as long as it doesnt belong to me!

For tax purposes though you'd need the reg number on a covernote at least...

 

You can insure it in my name if you like Cem, add you as named driver, job done.

 

Hi all,

I have just had confirmation from my broker that I <B>am</B> legally covered to drive my car, as I originally said.

Admittedly, I failed to mention that the car is under my wifes name, but I am still a bit upset with the scaremongers out there who are making assumptions out of pure guesswork.

Not having a go, just saving the next person from wasting £600 quid.

Cheers all.

Cem

 

See.

Chill, have a bud....wasssuppp.

 

Well I'm glad you're happy, but it's pretty off having a go when people are trying to give you some honest advice.

You said "Admittedly, I failed to mention that the car is under my wifes name" - well, I reckon that's one damn great omission, and rather changes the ball game!

Perhaps we all need to examine our crystal ***** before posting next time?

 

let us know if u got your tax i think the post office might not accept your insurance certificate based on the fact u could insure any off your friends cars for them.

 

Pete,

I thank you and anyone else for their help, I said I wasn't having a go but I admit I may of worded it wrong.

Sorry if it came out that way.

Cem

 

<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:<HR>Originally posted by Blow Dog:
<B>Hi all,

I have just had confirmation from my broker that I am</B> legally covered to drive my car, as I originally said.

Admittedly, I failed to mention that the car is under my wifes name, but I am still a bit upset with the scaremongers out there who are making assumptions out of pure guesswork.

Not having a go, just saving the next person from wasting £600 quid.

Cheers all.

Cem<HR></BLOCKQUOTE>


BlowDog

ROTFLMAO

You really are a nobber mate!!

Forget to give us the one piece of vital info and it's our fault for jumping to conclusions.....

Perhaps it was your insurance broker that crapped on your Honda bonnet.....

And you've got a wife!!! Poor woman - every time you go out she must hide in the boot wondering what is going to happen next!!

Jest jesting mate

 

OK Cem,

I guess I have to make allowances for the fact that you spend much of your time as king of Muppet land.

Also, perhaps my post came at the end of a particular sh1tty day!

No offence.

Pete

 

Still think your insurance company is bullsh1tting you mate!!

 

hang on, does your policy cover you for

"any car the property of the policyholder"

or is it
"any car <B>not</B> the property of the policyholder and not hired blah blah blah..."

?

 

Cems policy covers him as follows...

"The policyholder may also drive a motor car (or motor cycle) not belonging to him and not hired to him under a hire purchase agreement" - this cover however is restricted to Third Party Risks Only.

His policy will cover him for these risks so long as there is no other policy covering the above said motor car (motor cycle) at the time that he is driving it i.e. if he was driving my car (my policy covers Any Driver over 25!!!) then following an incident it would be my policy that picked up the tab....if however my car was insured for just me to drive....and I allowed Cem to drive it....and an incident followed...then in that case it would be HIS policy that picked up the cost of the Third Party claim (obviously there would be no cover for ANY damage that my vehicle happened to encounter!! ).

The wording on his motor insurance certificate (and legal document) states...

"DRIVING OTHER CARS"

"Please remember that any extension to cover driving other cars is limited to Third Party only. There is no cover for any loss or damage to the car itself".

He has had confirmation of this from a) his insurance broker (thats ME! )...and b) his insurance company (thats Independent Insurance) ...

...he does however still have to get the car insured...ideally in his wifes name (the registered owner/keeper of the vehicle) in order to tax it.

This, no doubt, he will be doing first thing on Monday morning.

Hopefully this clears up this little question.

Rum*

(please bare in mind that NOT all motor policies include this extension....and of those that do the policy wordings may differ - please always check your own certificates to see the extent of cover prior to driving an otherwise uninsured vehicle. I for one have never come across a wording such as RB5Scotts or Dream Weavers....hence the need to always check the policy wording, certificate etc - if in doubt check with the insurer or broker)

P.S. Dave....Nope wasn't me that crapped on the bonnet!



[This message has been edited by Rum* (edited 08 April 2001).]