Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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Was speaking to someone today. I want to test drive a car, and was saying to my mate 'But how does it work if you test drive a car, surely thats against the law - as no insurance? (I test drove my car before I bought it, but I didn't think about it then lol).
However, my mate says - providing you have insurance on a car (which I do) - your allowed to drive any one elses car Third Party Only.
Which would cover you for things like, if someone is drunk, you can drive their car home, you can test drive someones car, etc. But obviously if you stack their car into a wall, they won't get a penny. If you crash into someone else, your insurance premium would have to pay out.
Is this correct? is this only with Fully comp (I'm Third Party Fire and Theft) and is it only with some insurers?
Just curious to be honest, I've always not wanted to drive other people's cars - whatever the situation incase I got done for no insurance.
Paul J
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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If you're fully comp, then yes, you can usually drive someones car (with their permission) and be covered Third Party.
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Garage has trade policy which covers you!
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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quote:
Originally posted by CorsAsh
If you're fully comp, then yes, you can usually drive someones car (with their permission) and be covered Third Party.
Only if it states on your ins policy
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CorsAsh
Member
Registered: 19th Apr 02
Location: Munich
User status: Offline
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I coulda said all that, but could only be arsed to type "usually" 
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Stone Cold Rattlesnake
Member
Registered: 12th Jun 02
Location: London .................. Drives: Astra IV
User status: Offline
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It has to state it on your particular policy as it doesnt apply to everyone's policy
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drunkenfool
Member
Registered: 7th Feb 03
Location: Hereford Drives: Audi R8 V8
User status: Offline
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my policy states that you have to be 21 or older to get 3rd party on other cars. I got a producer driving the astra donor car back from wakefield, thought i was insured then found out i wasnt! Luckily the woman in the Police station didnt check that the reg number of car on producer was same as one on my ins docs, so i got away with it, but learned a valuable lesson!
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Paul_J
Member
Registered: 6th Jun 02
Location: London
User status: Offline
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quote:
Originally posted by drunkenfool
my policy states that you have to be 21 or older to get 3rd party on other cars. I got a producer driving the astra donor car back from wakefield, thought i was insured then found out i wasnt! Luckily the woman in the Police station didnt check that the reg number of car on producer was same as one on my ins docs, so i got away with it, but learned a valuable lesson!
yes this worries me. Taking a 106 gti for a test drive and blasting it down the only dual carriage way in Reading (40 limit) and getting pulled over
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