[John320d]

My insurance states that I can drive any car not owned by myself. My question is, can I drive that car if it is uninsured by the present owner? TIA.

[Danny.B.]

No

[John320d]

Well, no beating about the bush there. Thanks Danny.

[MrPogle]

Originally Posted by Danny.B.

No

Could you expand a bit?

When I worked in insurance (many years ago) you got the minimum legal cover (RTA not Third Party) on driving another vehicle. So it was legal but a bit risky and antisocial as RTA does not cover third party damage.

[Hope]

Third Party Extension covers you to drive another persons car with Third Party Cover as long as their car is fully insured and doesn't have any clauses that say others can't drive their car (for example young drivers).

This is normally the case, their may be exceptions/variations to the above.

[spodoinklehorse]

Originally Posted by John320d

My insurance states that I can drive any car not owned by myself. My question is, can I drive that car if it is uninsured by the present owner? TIA.

If you drive an unisured vehicle under the terms of your driving other vehicles extension and have an accident, your insurer will be liable for third party claims, however an uninsured car should not be on a public road.

[Danny.B.]

Originally Posted by John320d

Well, no beating about the bush there. Thanks Danny.

No problem mate was going to write morre but was just heading out!

Originally Posted by MrPogle

Could you expand a bit?

When I worked in insurance (many years ago) you got the minimum legal cover (RTA not Third Party) on driving another vehicle. So it was legal but a bit risky and antisocial as RTA does not cover third party damage.

As below

Originally Posted by Hope

Third Party Extension covers you to drive another persons car with Third Party Cover as long as their car is fully insured and doesn't have any clauses that say others can't drive their car (for example young drivers).

This is normally the case, their may be exceptions/variations to the above.

Originally Posted by spodoinklehorse

If you drive an unisured vehicle under the terms of your driving other vehicles extension and have an accident, your insurer will be liable for third party claims, however an uninsured car should not be on a public road.

[m1bjr]

You would be hard pushed to find anyone offering ACT only these days.