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insurance

Discussion in 'Motoring' started by shazwin, Aug 30, 2005.

  1. shazwin

    shazwin
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    i have a car in my name but i have not insured it yet as i am only learning but can my husband drive it on his insurance with my permission he is fully comp if he has an accedent is he covered i know its only tpft
     
  2. eviljohn2

    eviljohn2
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    Most new policies don't include cover on any vehicle, certainly not unless he's over 25 and then it would be third-party only.

    Best to check his policy documentation as it varies a lot between companies.

    I think it's generally a requirement that the owner of the vehicle has it insured anyway so you're probably out of luck I'm afraid.
     
  3. shazwin

    shazwin
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    he is over 25 and he is covered to drive any other car we have checked that out so thats ok. i just need to know as its my car but im not driving it yet do i need to insure it yet as he can drive it with my permission but only third party fire and theft
     
  4. monkeynuts

    monkeynuts
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    I've had this discussion before with friends and i'd double check that the car itself doesn't have to be insured before he can drive it third party. I.e. even with permission from you the owner it still may not be covered.
     
  5. shazwin

    shazwin
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    ok thanks thats what i need to find out from somewhere
     
  6. lmccauley

    lmccauley
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    Unfortunately, you won't be able to get a tax disk for your car with his insurance:

    http://www.dvla.gov.uk/vehicles/howdoi_licence.htm
    Cheers,
    Liam
     
  7. The Dude

    The Dude
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    from what I remember the car will have to be insured already for his policy to cover him for it... so yes, you'll almost certainly need to insure the car yourself either way.. :)
     
  8. davehk

    davehk
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    This is certainly the case with my insurance. Also note that the cover is usually Road Traffic Act cover only - it does not cover fire or theft.
     
  9. jibber

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    sorry but your husband would not be covered to drive the car..

    your car would have to be insured first before your husband could drive it 3rd party under his insurance..

    i've been through this one with dvla and the police...

    i drive friends cars as 3rd party under my insurance which is fully comp, but there car is insured by them, funny rule i know but it's a rule..

    jibber.
     

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