Quick question..

[leamyj]

Funds are low this year.
I'm aiming for to have the car on the road for June, July and August ( i.e. 3 months minimum tax) plus the extra months grace .
Quick question..My policy for the family car covers me to drive another car as long as I don't own it, the mx5 is registered to my wife, does this mean that I'm covered to drive the mx5???

John

[rhysmate]

Is that with Aviva john?

[hoopsbhoy]

Every policy is different, the safest option is to just check with your insurers. I use my driving extension to drive a good few cars. Some policy's exclude cars owned by your partner or family members and your employer so you would need to check.

Also remember that the 5 won't be covered for fire or theft and that if your stopped there is the possibility of getting a fine for noon display of insurance. Just two other tings to be aware of.

[mx5ash]

And the policy often states that the car you driving should have insurance of its own. They make it bloody hard to get around it cheaply! Is transferring the insurance for the 3 months an option for you John?

[leamyj]

Is that with Aviva john?

No Rhys, Zurich.

The relevant section on my policy reads like this..

"Vehicles, or classes of vehicles, the use of which is covered..

Vehicle bearing Index Mark 01 wx **** (Family Car)
Any other car being driven by the insured provided such vehicle does not belong to him/her (it's the wifes) under a Hire Purchase Agreement ( car's paid for) or under a Contract of Lease Hire or Contract Hire.(Nope) . Also provided that no insurance is afforded to him/her under any other insurance applying to such car.(Nope)"

So what ya reckon, am I covered if I get NCT and 3 months tax?? A full transfer is not really an option as the Missus would then be grounded.

John

[mx5ash]

It sounds like you are but I'd still be tempted to ring them and ask.

[barney]

John, the way you are proposing is how most of the young cubs are driving BMWs, Lexus and the like. They get fully comp insurance policies on small engined cars with companies that will allow them to drive other cars providing they don't belong to them and that they are road legal i.e. with valid VRT and tax. Most of them up here register the bigger cars in the names of family members working overseas.

[sidewaysreilly]

Think the vehicle must be insured , then you can drive it on your policy.No free lunch i'm afraid lad.

[rhysmate]

John, the way you are proposing is how most of the young cubs are driving BMWs, Lexus and the like. They get fully comp insurance policies on small engined cars with companies that will allow them to drive other cars providing they don't belong to them and that they are road legal i.e. with valid VRT and tax. Most of them up here register the bigger cars in the names of family members working overseas.

That's how aviva offer their policy. I make a point to ask each time i ring, and they say the same thing everytime. ie. what you've outlined above. It just means the if the car goes walkies its tough!

[Merlot man]

Great to hear you are looking to get that lovely car of yours on the road but I agree with ash and reilly, I think the other car [mx5] must have insurance on its own ,worth ringing company or broker to make sure..... DONT drive until you are sure your insured
best of luck John
Brian

[leamyj]

Yeah, gonna drop into the broker on Monday just to check if I'm reading it right.

John

[hoopsbhoy]

The car does NOT necessarily have to have insurance. It's in black and white as he posted above, there is no catch here. Some companies do require it to be insured, however to my knowledge zurich are ones who do not not have that requirement, 123.ie are the same.

If you are stopped by traffic corp you are likely to get a fine for non display of insurance but thats it essentially.

[93 Mk1]

Taxing may be a prob if there's no insurance on it.

[leamyj]

The car does NOT necessarily have to have insurance. It's in black and white as he posted above, there is no catch here. Some companies do require it to be insured, however to my knowledge zurich are ones who do not not have that requirement, 123.ie are the same.

If you are stopped by traffic corp you are likely to get a fine for non display of insurance but thats it essentially.

If this turns out to be an option I was gonna carry a copy of the cert for presentation to the good people of the traffic corps in the event of being stopped, I suppose it'd be up to the officer in question as to whether or not he/she would be satisfied with this....worth a punt??

AS for taxing the car, I'm told that the local council will have no problem in taking my money from me (now there's a surprise), just give them the same policy details.


John

[Merlot man]

Hope this works out for you as I could do this myself......this could be a very cost effective post for many people .Keep us in touch
Cheers
Brian