ter123

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Insured to drive someone else's car, does that car need to be insured by that person as well?

I have a current third party fire and theft cover what allows me to drive another persons car.  Has that car got to be insured by that person? If I loan a car off someone, has that car got to be insured by the person who owns it before I can use it on my drive any vehicle with their permission, extention third party cover. thank you.

ter123  (Level 1)  |   Car Insurance  |   07 Dec 2010 22:23
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gices gices  (Level 3)  |   09 Dec 2010 19:17

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This can be a tricky situation - if the car is not insured by the owner, most likely he is not using it. That probably means the car is not taxed or MOTed which would render the car unroadworthy. Now any insurance cover will become void if the car in which the accident happened does not have the legal documents to prove that it's roadworthy.

For peace of mind, call up your current insurer and ask them before you drive the vehicle.

pamdud pamdud  (Level 1)  |   17 Dec 2010 15:25

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No, you can't drive the car unless the car itself is insured. Your insurance allows you to drive another car with the owners permission but that owner has to have insurance on it.

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