Thanks for the info, so I can now legally drive the run around.

However how come I cannot tax the vehicle? I get told it must have it's own insurance by the Post Office and the DVLA.

It seems even though I want to pay my car tax for the run around, I am being told I can't.

First time I have been told that the government does not want my tax!!! And I am willing to pay it!!! LOL!!!!

[Edited by Fast_Blue_Scooby - 9/3/2003 12:12:45 PM]

 

Tried with my own insurance, no luck at all!!
Getting a friend in the trade to tax it!

[Edited by Fast_Blue_Scooby - 9/4/2003 1:14:49 PM]

 

The post below has got me thinking.

As anyone got a 2nd car insured on their main policy for their Subaru? Did this reduce the premium?

Say you want to use a cheap run around say 60% of the time and the other 40% for the Subaru, surely as the Subaru would not be getting used as often, then a limited mileage could kick in and the premiums be reduced?

Or is it simply a case of getting the run around added to your Subaru policy and there is no difference to the premium as you cannot be driving both cars at once?

Anyone done this and with what insurance company?

I've just emailed my insurance company with this question and a few other questions but it would be interesting to hear from anyone else who has done this...

 

I re-read your post twice - still not ure what your saying

You have two cars - one a Scoob and another (cheap runaround say) and you use both? sort of in differing amounts and as you cant use both at the same time then you should be able to get a discount - say limited mileage on one, etc - Dream.......... if you think you'll save much if any money.........................

This is a fairly simple one to answer?????? - you cant be driving 2 cars around with full no claims on both as you are only entitled to full no claims on 1 car - you then have to build up the no claims on the second

I was in a similar position when I owned:

1. Escort Cossie
2. Astra GSI
3. ax gt

All at the same time

The main insurance was on the Cossie - circa £2k
then I had limited mileage policies on the Astra - circa £900 and the Citreon circa £700 - reason they were so high was that I could'nt use any no claims as I was using them for the Cossie - I was at the time looking to sell the Citreon

I should have opted for a traders policy - would have been cheaper - you rarely get much in the way of discounts on the limited mileage and there are not many companies that will 'boost no claims on a second car - you may be lucky to find a few that take into account the fact that you may previously have been driving say a company car and have lost no cliams - but basically its an insurance company rip off market

Like above - I can hardly have been driving all cars at the same time - but thats not how it works in this country.

If i'd have been keeping the cars - I'd have re-registered ownership with either my mother/father/girlfried then I'd have been able to drive the other 2 third party - but this creates a problem when you come to get a tax disc as the primary registered keeper is not insured........if you see what I mean

I am also in the position now where I have a fully expensed company car and also have the Scoob - I drive the Scoob about 4000 miles a year - can I get a cheaper quote - NO - insurance is a scam - I did consider driving uninsured for a split second - but then thats a daft risk to take....................

I'm with LV - over 30, 13 years no claims, (but can only prove 7 years - as thats all previous company would comit to - so you have to say 7 yrs with LV......) never an accident, low risk area, garaged all the time nearly, no points, etc and I pay £1k..........but then the car is modded

 

Thanks for the answer.

If I register the run around under my wife's name, would I then be able to drive the car 3rd party on my insurance for the Scooby EVEN though the run around would not have any owner's insurance on it?

My Scooby policy allows me to drive any car 3rd party so long as it is not owned by me. That is all it says in the conditions and again in the policy booklet. Nothing about the car having to have it's own insurance. So under the terms of my insurance and the wording of the policy, I can legally drive the car 3rd party then?

However I thought that for me to drive this other car 3rd party, it had to have it's own insurance. Not sure why because if I was driving the run around, it would be my insurance company that would settle any 3rd party claims.

You are right about trying to tax the car, you cannot get it taxed unless the car has it's own insurance on. I was told that my insurance covered the car 3rd party to drive and even though I met the conditions on the back of the renewal form, ie provide at least 3rd party cover on the car, I could not get any tax on it!!

However if I can get a friend in the trade to tax the car for me, can I drive the car on my policy 3rd party?

 

there was a thread similar to this a while back, I THINK that the outcome was the car you are driving using your 3rd party cover on your own policy HAS to be insured by somebody else ? ( eg your run around car registered in your wifes name MUST have seperate insurance on it by somebody else) Not sure if this reads how it is meant to.

edited to try and make more sense

[Edited by f1 - 8/31/2003 9:44:39 PM]

 

Hmm - this is interesting

I would certainly like to know the correct answer

I have asked the police about this before - their response was that as long as the person driving the car is insured to do so then where is the problem

If you are involved in an accident its your company that will be contacted not the owners car insurance

The only concern I had with going down this route was from a theft angle. If I'd driven lets say the Cossie on 3rd party insurance and it got nicked I would not be able to make a claim as it would not have insurance in its own right - similarly for fire

You also run the risk of only having 3rd party - so if you hit someone then you lose

Now if you have a 'runaround' then yes Third party cover only and risk of theft is probably ok - especially as you would be saving

I dont see the concern with having no principle insurance

1. You are involved in an accident - you are covered 3rd party woth your own insurance (as long as you dont own the car)
2. You get caught speeeding - fine you have your own third party insurance and can state who the registered keeper is - no problem

I have a company car that has no insurance on it - the company is self insured - meaning that any at fault accidents will be dealt with by my company and they have a company wide certificate to say that you are insured for all company employees in the event of an incident - I dont see this as being any different to driving with your own third party insurance????

How would anyone know?

It must boil down to risk of writing off car or getting it stolen - other big issue as mentioned was getting the tax disc - some Post Offices are not that effective - I've got a tax disc with my own insurance on a car I didnt own or have insurance on - must be getting rarer though - dont know about tax disc on a traders policy - but guess this has to work if you know someone to do it - not meaning to be in any way 'dishonest' but I really cant see the risk in it for anyone really?? - its not as if your driving without insurance?

It must come down to the insurance companies rip off costs

 

Fangoria, I totally agree, as you say if you crash then it is your company that needs to pay up. This is certainly an interesting one.

 

I agree totally. If you are covered to drive 3rd party any other car not owned by you, then what difference does it make whether this car has its own insurance or not!

I agree driving an expensive car around and you have a crash and you are to blame means that you will have to cough up for the damage to your own car. Also there is no theft cover if you leave it parked but with a cheap run around, it is worth taking the chance. But that is what 3rd party is for. Plus if someone drives into you, then you know that they are going to be at least 3rd party covered (assuming they are insured in the first place), so their insurance company will pay for the damage. True, it may take a while to prove etc etc but again, you know that when you option your right to drive on your policy a car not owned by you, 3rd party only.

If the above is true and logically it should be, how come the post office or DVLA will not issue a tax disc for the car unless you have an insurance policy out on the car? If you look on the back of the car tax renewal form, it says so long as you can prove that your insurance allows you to use this car, then you can get a car taxed. I'm afraid this does not work, I've tried, I've argued and even had a word with a friend's mum in the post office who says the DVLA are clamping down and that is the rule that have imposed (even if they have worded it incorrectly on the back of the renewal form)!!! You need to get a trader to tax the car for you on their 'any car' trader policy.

Can anyone shed anymore light on this?

So tomorrow if I drive this run around on my policy 3rd party and I get stopped by the police, then from the above it looks like my documents will cover me. But what happens in an accident??

 

From a Police perspective you must be fine - they look at YOU not the car........ which is totally different to other Euro countries were it is the car thats insured and NOT the driver.......... - so as long as you have insurance to drive 3rd party - fine - I've never been asked if any car has principle insurance... they only question if your the keeper......which you would not be lying if you said someone else

This Tax thing has certainly been a bind - that said just make sure the tax is on and you can get up to a yr

Of course I also looked into this in more detail - even so far as looking at an insurance company that gave a pro rata money back with no admin fee........so you tax the car and then you cancel the insurance you got out a few days prior!!!!!.........ok so this is extreme but I did look at this about 5 yrs ago.......when I was in greedy mode and had several cars at the same time.........

Me thinks that UK insurance will be 'overhauled' to get in it line with other Euro countries in the near future - and the fact that you'll have to attach an insurance cert on the car - course something for the counterfeiters to look into!!!!

 

off topic slightly, but in New Zealand, I think I'm right in saying once you have purchased a car you have insurance instantly. The 'government' sort or something so I was told. Not sure if that'd work in this country or not though.

 

What would make it even more interesting would be if the run around car did have insurance on it and that insurance allowed the policy holder to allow anyone to drive that car. And your policy allowed you to drive it 3rd party as mentioned above.

Now which insurance company would pay up in the event of an accident?

Would they claim that you were driving it on your own policy and only 3rd party claims can be settled or could you insist that you were driving the car with permission of the owner on their policy.

Now it gets tricky!!!

This whole insurance thing is a legal nightmare when you start to nit pick.

I would rather the insurance be on the person and you state exactly what you want to insure when you take out your year's insurance. They then charge the premium based on what you want to drive, no 3rd party, no allowing anyone else to drive your car on your policy. Everyone has to have their own insurance policy.

So in the above case I would insure my scooby and on the same policy insure the run around, both regs would appear on my policy, allowing me to tax the vehicles and as I cannot be driving both cars at once, the premium would be just a little bit more than what I am paying for the Scooby. Obviously it could be a bit higher if insuring 2 scoobs. But your NCB would stand on you as a person and not on the car.

Minefield or what!!!

 

F S B, what a great answer to all the problems that would be. If only...............

I vote you for P.M !!

 

What we need is someone from the police force and/or someone from the insurance world to answer our above questions.

I have a run around parked on the drive at home, it is registered in my wife's name, it is untaxed and I want to drive it to save the miles on the Scooby. My wife has her own car and her own insurance but I just want to be able to drive the run around on my scooby policy where it states, "I can drive any other car 3rd party so long as it is not owned by me".

I think I qualify to drive the run around once I get it taxed.

 

A car does not have to be insured for someone else to drive that car under their own DOC clause, trust me I am an insurance man!

Clive

 

This is true, you can't tax under the DOC. The car is only actually insured whilst your sitting behind the wheel driving it. Remember the DOC is meant to be for emergency use only! Although we all take advantage.
The best way to get the tax is to add the vehicle as a temp. addition to your first car policy to tax it. Keep in mind though if the post office are applying the letter of the law you must have a minimum of 14 days on a covernote or certificate remaining for them to tax the car.

Hope this helps

Clive

 

I always found temp cover to be fairly expensive - you could look at a full yr policy and cancellation terms...... get the tax - cancel the insurance

Its all ridiculous.......... could try with your own incurance - see if they check it properly - nothing to lose!!! - it worked for me once