"Can I have a go" insurance

You know the "you can drive/ride any vehicle that does not belong to you,
third party only, blablabla" bit in most insurance clauses?

I thought they were only valid so long as the owner of the vehicle had valid
insurance on the CIHAGM vehicle.

Ross (due to his car problems) is borrowing my M3 for the duration, but I
don't have insurance on it as its not used and so is stuffed in the garage
under loads of crap ATM.

So I told him to check with his insurers, and they said thats ok, the owner
doesn't need insurance, his own covers the car TPO.
(we both use the same insurers for all vehicles, so they know everything)


Opens up multiple possibilities.

I know loads of teenagers have bought nice cars, put them in their parents
names, insured the cheapest heap of crap they can, and driven the nice car on
the CIHAGM clause.

Claims normally get turfed out because the parents, as the owner, should
drive the majority of miles. As the teenagers drive the vast majority of the
miles, the insurance is declared invalid and the claim rejected.

If the onwer doesn't have insurance, they can't be the majority driver, so
they can't reject these types of insurance claims?


I think I might sell the M3 to Ross for £1

 

I'll give you £2.50. But I think that might not work in the plan you
have right now....

--
Lesley
Residing in the Capital of Culture 2008
CBR600FW
Peugeot 206 S
SBS#11 (with oak-leaf cluster)
BOTAFOT#101A UKRMHRC#12
BONY#54P BOB#18

 

Not unless you fancy camping on my lawn to make the car available 100% of the
time, no

 

The Road Safety Act 2006 brought in a new requirement that a vehicle
driven on the road must be covered by a policy which identifies that
vehicle by its registration mark (unless the owner has a policy which
specifically says it covers any vehicle owned by him).

In the case of your M3 this would normally be your policy, in which
case Ross would be covered by his CIHAGM. If, however, you don't have
such a policy then Ross isn't covered to drive your M3 unless he has a
policy which identifies it by its registration mark.

On the face of it Ross's insurers have misinformed him.

 

Effectively, the vehicle would be "uninsured on a public road" should
Ross park in the street.

Plus of course, every ANPR camera would ping with inevitable comedic
results.

 

My drive at home, private car park at Ross' work.

Heh, he has been told to use the back roads and do a rapid U turn should he
see a plod van!

My own insurance was cancelled on Friday so it'll probably take a few days to
wind through the system.

 

The thing he should really avoid doing is injuring a child. You and he
could end up paying damages for the rest of your lives.

 

Hummm, I wouldn't count on that tbh.

Whatever, I take it this is your nephew, yes?

So 'a young(er) man' + M3 will invariably equate into 'Worth a tug,
Sarge', regardless of whether or not the car is flagged up on ANPR for
no insurance or not.

That, and he drives a C3 Sensomatic normally... not going to end in
tears at all, is it. ;-)

I've driven both... well, a manual C3 and an E36 M3 Evo - I know which
one I'd be more likely to stack (1)...

Joking aside, it's not always down to us when we have an 'incident' as
they like to call them these days, is it... and an M3 is more likely
to attract feckless neds in boyed up Corsas or whatever is the boy
racers weapon of choice these days, than a C3.

Personally I'd re-insure it... and if that's way too dear, then hire
him a KA or similar... or if the C3 is looking likely to be off the
road for the foreseeable, buy a cheap and nasty shed like an old
Fiesta with reasonable MOT for him to run about in for now; aside from
anything else, the shed will invariably be more reliable than the
C3. ;-)

(1) The Shitroen, obviously - to put it out of its misery if nothing
else,

 

Not really; they're talking shite.

A mates missus is a magistrate, and she recently related how she's
seen this kind of thing put in front of her more and more in recent
times.

Net result is always a fine and some points, or if you've been a
really naughty boy (1), a ban.

If you're happy to place your trust in the insurers on this, get them
to state unequivocally in writing that he's covered to drive it.

Even if they state that by any means other than actually issuing a
cover note, I reckon he'll be stuffed if he gets pulled over.

That, and he may wave a cover note at plod, but they may want to ring
the insurers at the roadside, (which is exactly what happened to me
about three years ago in a car that was covered by which my insurers
had omitted to register on the NIB database), and if the insurers then
say 'sorry, no cover in place'... well then again, he'll have to argue
it out with the judge.

(1) Not that an M3 would encourage anyone to do that...

 

took a blunt brush and painted...

Heh, he did a Boxster S "Driver Experience" / "track day" with me when
Porsche tried to get me to buy a new one which was a right hoot, we spent
hours playing round on skid pans and their "high speed" circuit (which is
only flat out in 2nd but still a hell of a lot of fun), I trust him to not be
silly in the M3. I made him *very* aware it has absolutely no traction
control / stability control or anything else!

Heh, same here. Ross seems to have bypassed the "teenager / young man trying
to impress his mates" stage though. (whereas I'm still in it, with no mates

£1100 for me. Temp insurance not available for a group 20 car.

He's my nephew, not my son! And he earns the same as me anyway and has far
less outgoings.

I'll provide the M3 and he can insure it minimum TPO or the Boxster fully
comp, I'll use the bike, no problem. I ain't going to fork out a fortune on a
shed or insurance.

Christ, it so so needs that. Preferably with a Chieften(?) tank.

 

Yoof in an M3, uninsured marker on ANPR, u-turn at sight of plod.

No, that won't raise their suspicions AT ALL...

Strikes me that if it's uninsured by the keeper, he must - by definition
- be the main user of it, so the CIHAGM clause wouldn't apply. Similarly
if you flog it him for a quid.

 

You've been told wrong. If the M3 does not have it's own policy it is
uninsured regardless of what kind of TP cover Ross has.

Get a tug by ANPR and the car will be seized and Ross will get a IN10, 6
points and a £200 fine.

Car will only be released after you provide valid insurance details on
the vehicle and pay the £105 tow fee. I believe they also charge £12.50
per day storage.

This is exactly what happened to an Uncle-in-law just 6 months ago when
moving his dead FiL's car.

 

I was insuring the Evos on one month policies with ecarinsurance.co.uk.
Ross should be able to insure the M3 with them as Evos are Gp 20 as
well.

 

You may also get 6 points and a fine for "aiding and abetting" an
uninsured driver. Has happened when people are selling a car and let
the potential buyer test drive it.

 

ISTR Champ doing this recently with a SO transit van. He didn't get
nicked, so it must have been ok

 

AAaaaaargh!

Why would you believe this, when even the InsCo concerned doesn't say
so?

 

Christ, no wonder the police are hated in some quarters.

 

Not so.
I can drive it perfectly legally (on third party cover) whether it's got
its own cover or not. Only stipulation is it must be roadworthy and not
hired to me or in connection with the motor trade. Perfectly routine
CIHAGM policy.
Of course, the database wouldn't be au fait with me driving it, so I
would get a tug - easily countered by having my policy with me.

 

I've never seen an insurance policy that makes reference to the insurance
group of any other car that you may drive.
*some* policies will say that the TPO cover is applicable only when there's
a separate policy on the vehicle in question , others make no such mention
of this - they simply say that you are insured to drive a car not belonging
to you and not hired , etc

 

As you clearly make that a question, I'll provide the answer: No it's
not.

Bwaahaahaahaa. I love the way you do this stuff. Try taking your own
advice first, eh?