eccles Posted May 26, 2014 Report Share Posted May 26, 2014 Anyone know the law on picking up a car for sale. Seen a Jimny for sale its got tax and mot. Can a mate drive this jeep back home on his insurance or have i got to insure it first. Thanks Terry Quote Link to comment Share on other sites More sharing options...
fse10 Posted May 26, 2014 Report Share Posted May 26, 2014 I believe you can only drive someone else's car 3rd party only if you have full comp & it states so on you policy & the other car is insured by the owner/keeper. ATB Paul. Quote Link to comment Share on other sites More sharing options...
lincs1963 Posted May 26, 2014 Report Share Posted May 26, 2014 (edited) Generally,but not always, if the vehicle is already insured by the present/previous owner, you or your mate can drive it on your own inurance. I think you need to be fully comp to do this. probably worth a quick call to your insurer just to be sure. HTH, Neil ******, too slow! Edited May 26, 2014 by lincs1963 Quote Link to comment Share on other sites More sharing options...
eccles Posted May 26, 2014 Author Report Share Posted May 26, 2014 Thank's Paul + Neil thought that was the case. Not contacted seller yet will do later on and sort a look at the motor.atb Terry Quote Link to comment Share on other sites More sharing options...
robbiep Posted May 26, 2014 Report Share Posted May 26, 2014 If not, then you can get short-term insurance. Prices aren't that bad really - I've done this myself in the past. Quote Link to comment Share on other sites More sharing options...
smokinggun Posted May 26, 2014 Report Share Posted May 26, 2014 Be careful as some insurance companies don't include this on fully comp policies any more, I've moved about 3 or 4 companies over the years always had fully comp and never been covered for other cars with owners permission, a lot of people think its automatically included with fully comp but I think those days are gone. Quote Link to comment Share on other sites More sharing options...
eccles Posted May 26, 2014 Author Report Share Posted May 26, 2014 Thanks Lads for all advice given atb Terry Quote Link to comment Share on other sites More sharing options...
Twistedsanity Posted May 26, 2014 Report Share Posted May 26, 2014 Depending on the age of the vehicle there are a few companies out there who chuck in a weeks free insurance if you are over 21 provided you pay them a nominal fee for an HPI check and allow them to quote you for a years worth when the 7 days expires , you also have the distance selling regs so if you took out a annual policy and decided you didn't want it after you had driven your car home you are legally allowed to cancel the policy within 7 days and they will keep a few quid for your time on cover pro-rata, not to mention you can buy a days insurance or even a weeks online now . If the vehicle has a current insurance policy in force for it somebody else can drive it 3rd party providing they don't own it or haven't been hired it and their current policy allows them to Quote Link to comment Share on other sites More sharing options...
Davyo Posted May 26, 2014 Report Share Posted May 26, 2014 (edited) Just either insure it if you intend to buy or you can get 24hr insurance,check out the likes of daysure.I paid £16 for the day to drop of a Fiesta zetec s I sold recently, they email you your docs for you to print off. Edited May 26, 2014 by Davyo Quote Link to comment Share on other sites More sharing options...
bazzab Posted May 28, 2014 Report Share Posted May 28, 2014 Law is mate, Vehicle can ne driven 3rd party as long as it holds insurance in it iwn right and your policy gives you it. Not all fully comp polices allow it so dont assume bud. seen several cars seized due to . people assuming there fully comp so.ok. My advice ring yoir insurance company ( they may do something if not) and check with current owner mate. Really not worth the risk. Quote Link to comment Share on other sites More sharing options...
eccles Posted May 28, 2014 Author Report Share Posted May 28, 2014 Thanks again for all your advice . atvb Terry Quote Link to comment Share on other sites More sharing options...
Twistedsanity Posted May 28, 2014 Report Share Posted May 28, 2014 Law is mate, Vehicle can ne driven 3rd party as long as it holds insurance in it iwn right and your policy gives you it. Not all fully comp polices allow it so dont assume bud. seen several cars seized due to . people assuming there fully comp so.ok. My advice ring yoir insurance company ( they may do something if not) and check with current owner mate. Really not worth the risk. Missed the important bit out chap , it must not be owned by you (which it will be if you have just brought it) or hired to you Quote Link to comment Share on other sites More sharing options...
Lord Geordie Posted May 28, 2014 Report Share Posted May 28, 2014 (edited) Missed the important bit out chap , it must not be owned by you (which it will be if you have just brought it) or hired to youNot if you jot down the date of transfer as the day AFTER you drive it home! If your pulled over on the way back! Your on a test drive, with a view to purchase the vehicle! Edited May 28, 2014 by Lord Geordie Quote Link to comment Share on other sites More sharing options...
bazzab Posted May 28, 2014 Report Share Posted May 28, 2014 Missed the important bit out chap , it must not be owned by you (which it will be if you have just brought it) or hired to you Ah yes bang on. Thank you mate. Quote Link to comment Share on other sites More sharing options...
bazzab Posted May 28, 2014 Report Share Posted May 28, 2014 Not if you jot down the date of transfer as the day AFTER you drive it home! If your pulled over on the way back! Your on a test drive, with a view to purchase the vehicle! With the greatest respect, firstly that would be fairly naughty, will make any insurance void if something happened and it was looked into and secondly if someone sells a car and allows the buyer to put day after on transfer they want there bumps felt. That car gets any sort of tickets on way home and the seller is liable for them. Not good advice buddy. Sorry. Quote Link to comment Share on other sites More sharing options...
dougall Posted May 28, 2014 Report Share Posted May 28, 2014 in my view the answer is no! You can test drive a fully comp car if you and owner have fully comp insurance and owner gives you permission.The minute you buy it YOU must insure it. As for fiddling with date of transfer etc that is fraud...... Quote Link to comment Share on other sites More sharing options...
bazzab Posted May 29, 2014 Report Share Posted May 29, 2014 Again not all fully comp polices include driving other vehicles. Seen countless xars seized because people think its a blanket rule.... it isnt. Quote Link to comment Share on other sites More sharing options...
kingo15 Posted May 29, 2014 Report Share Posted May 29, 2014 The car its self has to be insured by someone first. Then check policy whe you can drive third party only. Less hassle is just get temp insurance for a couple of days on it. Quote Link to comment Share on other sites More sharing options...
norfolk dumpling Posted June 7, 2014 Report Share Posted June 7, 2014 The phrase "fully comp" does not mean you will have ' driving other cars cover' (which, when it is included is only TP cover). Many insurers exclude this because of potential abuse (including some of the tricks described above!!) and even for insurers who might still give this cover usually under 25's are not granted this to stop mates trying out cars. Your certificate has to have the words "...any other motorcar not owned by the p/h but being driven with the owners permission..." The policy document will limit cover to TP if cert allows DOC (driving other cars). Trust me though In the event of an incident both the police and insurer will look very closely at the circumstances as this cover was only intended to cover the eventuality of the cover on the vehicle not including the driver when that person did not own the car. Quote Link to comment Share on other sites More sharing options...
funnyflash Posted June 7, 2014 Report Share Posted June 7, 2014 As long as it is still covered by the recent owner then you can have him drive it up to your garage. You can't drive the vehicle yet if you haven't insured it under your name of course. Quote Link to comment Share on other sites More sharing options...
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