RafaelChandler

I have just sold my Subaru and at the moment do not have a car of my own, but I am driving round in my dads car using my third party cover.

My friend has offered me use of his clio 182, as he does not use it and it is sat around doing nothing. So I tried swapping my policy over to it today but because its not my car, apparently i cant insure it? Is this correct or are my Insurance company having a laugh!?

How can I temporary insure a mates car so i can legally drive it? Or is driving it around with no insurance the only option that these companies are leaving us with?

I find insurance companies a total joke.

corradoboy

Oi, what are you doing on here when you should be either unconscious in a bar blistered with sunburn, or in the middle of replacing your STi with an STI from some silly bint who believes you'll ring her when you're back in England

Hope you're having (had ) a good time bud



PS. Just been chatting to a guy who was after your car

RafaelChandler

Hi Dave

Got back on thursday afternoon mate.

Just trying to sort some insurance out on Chris's car, its a nightmare, I dont understand why you cant insure someone elses car, seems stupid to me.

Speak to you soon mate

Raf

Moley

iTrader: (9)

Is the other car already insured by your friend?

BlueBugEye

iTrader: (12)

I had to do a short term insurance when mine was in the bodyshop, I used tempcover.com

RafaelChandler

No the other car is not insured as he bought it and didnt realise he couldnt get insured on it until he is 21 which is in 8 weeks, so it has been sat in his garage, so thats why I was wanting to use it in the meantime, as my new car is due in 8 - 10 weeks.

RafaelChandler

Tried tempcover.com and they wanted over £300 for 28 days

Considering im 26 years old with a clean license and 6 years NCB, I think thats a rip off.

Decided to just insure the car on a new policy and cancel my old policy, will then change it over to my new car when that arrives.

Hope that if it comes to a claim the matter of who the car belongs to wont come into it.

corradoboy

Are you saying that you have declared yourself as the registered keeper of the car Raf In the event of a claim that could see you uninsured

RafaelChandler

I havent declared myself the registered keeper, they just never asked, so I didnt tell.

Dont see what the big fuss is about to be honest, Its a car, I have a driving License, I pay the premium to insure it, who cares who the car belongs to.

Maybe someone can come along and clarify why Insurance companies are such *****

corradoboy

Because when it comes time to give back some of the premiums they collect, any excuse they can find will do to avoid it. I've heard tales of claims refused for having extra driving lights fitted, even when the claimant lived in the wilds of the Scottish Highlands and travelled predominantly on unlit roads and they could only have been a safety benefit. A driving instructor told me of a colleague whom had a claim refused when it was found out he had removed the rear head restraints to aid visibility, as they said it 'altered it from the manufacturers specification', and the head restraints had no effect on the claim at all

skyinsurance

iTrader: (3)

You cannot insure something which does not belong to you. You have no insurable interest in something which does not belong to you. An alternative would be for your friend to add you to his insuance policy.

Ollie
Sky Insurance

skyinsurance

iTrader: (3)

Whilst the way you have written it puts the insurance company at fault, if the lights were declared as 'modifications' then it wouldnt have been a problem. At the end of the day a specialist (modified) car needs a modified car insurance specialist.

corradoboy

The story of the lights IIRC was a manky old Mini Metro, and was in no way a 'specialist modified' car. They simply ceased upon a chance not to pay, which is what my cynical old head always expects them to do. The basic facts were that during the long, dark months in rural northern Scotland, the lights served as a benefit to safety. The resulting accident was nothing to do with them, but under the terms of the financial contract agreed between the two parties, they had enough justification to screw someone out of their deserved payment, and did.

skyinsurance

iTrader: (3)

Hi again, I dont want to get too involved in an insurance company vs general public debate however what I was saying is that the insurance company have the right not to pay out for the claim if these lights you mention were not disclosed to the insurer as modifications.
There are enough specialist insurers who will cover mods these days that there really is no excuse.
Usually the way it works with claims and undisclosed modifications is that if there was a claim, the insurer would ask for the additional premium which would have been taken if the mods were disclosed.

Ollie
Sky Insurance

RafaelChandler

Well I have just googled "insuring someone else's car and found this:-

Yes, You can Insure the property of another Person. So Long as you have authorization to do so and the owner is benefited, or an other insurable interest in that property exists. Such as a case where dad says " OK, you can use my spare car but you gotta get your own coverage". If You have permissive use from the owner of a vehicle, then obviously you have an insurable interest. However, Only the Legal owner of the Property or the designated agent of the owner can receive compensation for the property in the event of a covered loss. If you are insuring for liability only then this is not an issue. If you buy full property coverage, Then Dad will be proud and happy you were prudent enough to fully insure his and your interest in the vehicle he loaned you

I would love to be added to the insurance policy of my friend, but the whole reason that he isnt driving the car is because he isnt 21 until end of July, and until then premiums are over £2k! Which is fair enough as it is a high risk driver in a performance vehicle.

Yet I on the other hand, have been driving for 9 years, never once made a claim, hold a totally clean driving license, and have owned a whole host of performance cars which include 2 suabru Impreza's.

I dont agree with Insurance in any way what so ever, its a total joke and if it wasnt for the fact it was a legal requirement I wouldnt pay it, as they always find the smallest detail to not pay out.

RafaelChandler

So can you not even insure a vehicle for third party if it does not belong to you?

Reason I ask is if I have no insurable interest because the car does not belong to me, thats one thing, but what about the third party that I hit and put in a wheel chair for life. Is there Insurable interest then? Or should we just drive around with no insurance whatsoever like a large proportion of the UK?