Can i drive me friend's coup¨¦ if he have only bought a 3rd get-together insurance?
i have got a full UK licence so can I drive me friend's sports car if his car has of late got a 3rd party insurance and not a comprehensive insurance.
Answers:
You will only be covered to drive his car if you are added as a name driver to his policy. Once your friend has done this for you (which he will have to do if he wishes you to drive it legally) it isn't a problem for you to drive the car as long as you have your friends assent. Even if your friend had fully comp insurance you would still have to be added as a name driver. You will not be able to drive your friends car (legally) in need that happening!
If your name isn't under his insurance, you better be material careful with his saloon. If you are the driver, and you get into an at-fault accident, later he's the one who's gonna have to pay for it. Since you don't enjoy your own insurance, his insurance will cover it, but then his premium will go up because you won't be capable of pay them back for the damages in need having insurance. Even if he wasn't driving, it'll affect him because he should've known not to hold an uninsured person driving his car.
If it be someones fault for the accidnent and not you, then you might be lucky since his saloon is insured by him, and the guilty party is going to have to wage for the damages. But you don't want to gamble with your friends sports car, because if you wreck it and its your fault, he might sue you to pay up for the damages and the difference surrounded by his premium.
Kev's mistaken. You need your own insurance, unless he have particular clauses to allow other people to drive his sports car (these are usually only found in contracts for private hire vehicle, etc).
His insurance will allow him to drive other people's cars on third-party only. It has zilch to do with anyone (other htan him) driving his own car.
Don't be driving ANYTHING unless YOU have a VALID CERTIFICATE next to that cars' REGISTRATION NUMBER on it!
Simple really. And they have heard adjectives the excuses. they don't care, they just punish. A fine, a prohibition, possibly scrapping the car, and points on your licence WHEN you get hold of it back, and then the insurance companies sting you a cost premium for the next FIVE YEARS.
So, only drive what you are DIRECTLY covered for. Or drive around near three million quid in a suitcase.
Your name must be nominated as a potential driver on his insurance plan for you to legally drive his car.
Generally speaking, within the UK, 3rd party insurance covers the named policy holder one and only.
You'd need to check his specific policy.
It's get nothing to do with 3rd entertainment or comprehensive.
The question is, does his policy allow other drivers, or is he only allowed to drive it himself?
If he is the merely named driver then you entail to be covered by your insurance.
comprehensive insurance is irrelevant. If you lend out your coup¨¦ you lend out your insurance. Unless you live at the same address you do not need to be insured to drive his sports car.
If you got pulled over in his sports car, you are not going to be asked for your insurance, you're going to be asked for the insurance for that car... Source(s): my insurance company.
Related Questions:
Answers:
You will only be covered to drive his car if you are added as a name driver to his policy. Once your friend has done this for you (which he will have to do if he wishes you to drive it legally) it isn't a problem for you to drive the car as long as you have your friends assent. Even if your friend had fully comp insurance you would still have to be added as a name driver. You will not be able to drive your friends car (legally) in need that happening!
If your name isn't under his insurance, you better be material careful with his saloon. If you are the driver, and you get into an at-fault accident, later he's the one who's gonna have to pay for it. Since you don't enjoy your own insurance, his insurance will cover it, but then his premium will go up because you won't be capable of pay them back for the damages in need having insurance. Even if he wasn't driving, it'll affect him because he should've known not to hold an uninsured person driving his car.
If it be someones fault for the accidnent and not you, then you might be lucky since his saloon is insured by him, and the guilty party is going to have to wage for the damages. But you don't want to gamble with your friends sports car, because if you wreck it and its your fault, he might sue you to pay up for the damages and the difference surrounded by his premium.
Kev's mistaken. You need your own insurance, unless he have particular clauses to allow other people to drive his sports car (these are usually only found in contracts for private hire vehicle, etc).
His insurance will allow him to drive other people's cars on third-party only. It has zilch to do with anyone (other htan him) driving his own car.
Don't be driving ANYTHING unless YOU have a VALID CERTIFICATE next to that cars' REGISTRATION NUMBER on it!
Simple really. And they have heard adjectives the excuses. they don't care, they just punish. A fine, a prohibition, possibly scrapping the car, and points on your licence WHEN you get hold of it back, and then the insurance companies sting you a cost premium for the next FIVE YEARS.
So, only drive what you are DIRECTLY covered for. Or drive around near three million quid in a suitcase.
Your name must be nominated as a potential driver on his insurance plan for you to legally drive his car.
Generally speaking, within the UK, 3rd party insurance covers the named policy holder one and only.
You'd need to check his specific policy.
It's get nothing to do with 3rd entertainment or comprehensive.
The question is, does his policy allow other drivers, or is he only allowed to drive it himself?
If he is the merely named driver then you entail to be covered by your insurance.
comprehensive insurance is irrelevant. If you lend out your coup¨¦ you lend out your insurance. Unless you live at the same address you do not need to be insured to drive his sports car.
If you got pulled over in his sports car, you are not going to be asked for your insurance, you're going to be asked for the insurance for that car... Source(s): my insurance company.
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