"Peter smith" wrote in message
...
Righto I bought a car for a friend who has a provisional license. I have
insurance for my car, and to driver other cars with owners permission.


It is ONLY legal to drive another car with your own insurance policy IF
the registered keeper of that vehicle has a current insurance policy of
their own
to cover that vehicle. Anything else and you will be prosecuted. It is a
misunderstanding due to the way people misread the policy documents.
If your friend has no insurance policy for the car you can not drive it -
even if you have fully comp insurance allowing you to drive other vehicles
on a third party basis.
Check with any police station if you do not understand this. You risk
having his car crushed and BOTH of you being prosecuted. You for
driving with no insurance to cover the vehicle as covered by the explanation
above - him for permitting a vehicle to be used without a valid insurance
policy. If he wants to avoid being prosecuted he can tell the police you
are driving without permission, in which case you will be arrested and
charged.
This is why you should always check any vehicle you take for a test drive is
covered by the registered keeper or owner having a valid insurance policy
and you having a fully comprehensive policy allowing you to drive other
insured vehicles on a third party basis.
If you ping any ANPR cameras you will be prosecuted! Even if you can
show your own policy - the registered keeper MUST also have a valid
insurance policy for that car.

The car tax runs out tommorow, can I tax the car with my insurance
document.

Not unless it states it covers that exact car with the registration number.

It has a new MOT.

That doesn't matter. You also need proof the vehicle is insured.

The old owner did not have the reknewal letter (lost it)

He could have applied for the tax online for you at the time of the sale.
All he had to do was input his details, MOT number and the DVLA
check insurance is held. They send out the tax to the registered keeper
at the time. That could have avoided any difficulty.

and my friends insurance was done this morning online and will take up a
maximum of 14 days to arrive.


It's usually sent the same day and will arrive within a few days.

As it runs out tommorow and is parked on apublic street I'm in a bit of a
bind.


Not really, it will be covered by your friend's policy as soon as he has
paid.

Advice welcomed.

All you need to do is get on the DVLA site and ask them for advice.
Don't go near any police cars or ANPR cameras.

On Mon, 29 Jun 2009 23:09:44 +0100, Adrian C wrote:

Cicero wrote:

I recently taxed my Sorned car at my local Post Office which has a
direct electronic link to DVLA. It appears that if you have the MOT
certificate there is a link via DVLA to an insurance database, so
provided that the insurance policy is in force the certificate isn't
required at the Post Office.

I'm not sure about this, but it's worth asking at your local Post
Office. It's possible that I'm mistaken but I'm pretty sure that the
clerk only asked for the MOT certificate.

Cic.

I think you may have that the otherway round. For me taxing a previously
SORN car the presentation of the MOT certificate was NOT required - the PO
clerk was only interested in seeing the cert of insurance.

=========================================

Maybe it's an 'either / or' situation. If there is a database it should be
possible to query it on either MOT or insurance to confirm the existence
of the other item. I wonder if anybody will come up with a definitive
answer as the Tax form still states both are necessary.

Cic.

--
==========================================
Using Ubuntu Linux
Windows shown the door
==========================================

On Mon, 29 Jun 2009 22:08:44 +0100, DavidR wrote:

[...]

The end of the month is not a drop dead date. Provided you don't try to
skip a month, assume 2 weeks grace.

Not so. It used to be the case that a disc that was only one day out of
date was an offence. Any leeway granted was purely discretionary, and not
enshrined in any legislation; in theory, you could be fined on the first
day of the month that your vehicle was untaxed.

The situation has now changed. There is now an official five day period
at the start of the month when you can legally have a vehicle on the road
with an expired disc. However, you must have already applied for a
replacement

Chris

--
Remove prejudice to reply.

On Tue, 30 Jun 2009 02:34:22 +0100, Clive wrote:

[...]

It is ONLY legal to drive another car with your own insurance policy IF
the registered keeper of that vehicle has a current insurance policy of
their own
to cover that vehicle. Anything else and you will be prosecuted.


Rubbish. It depends entirely on each individual policy. Some insurers
permit it, others don't.

This has been discussed here many, many times; a number of folk have
queried it directly with their insurer, as have I.

Chris

--
Remove prejudice to reply.

"Conor" wrote in message
...
..

No.

always late

always of no help at all

thanks

Clive wrote:
"Peter smith" wrote in message
...
Righto I bought a car for a friend who has a provisional license. I have
insurance for my car, and to driver other cars with owners permission.


It is ONLY legal to drive another car with your own insurance policy IF
the registered keeper of that vehicle has a current insurance policy of
their own
to cover that vehicle. Anything else and you will be prosecuted.

Not necessarily true. I drive cars all the time without knowing if
anyone else has insurance for them, and if I ping an ANPR I just show my
policy and go on my way.

Sometimes it's nice being a motor trader.

--
Pete M - OMF#9

Range Rover V8 Turbo (sold)
Volvo 850 T5 CD Estate
Mk1 Golf GTi 1.8 (For Sale)

"In the beginning the Universe was created. This has made a lot of
people very angry and is widely regarded as a bad move."

"Clive" wrote:
Righto I bought a car for a friend who has a provisional license. I have
insurance for my car, and to driver other cars with owners permission.

It is ONLY legal to drive another car with your own insurance policy IF
the registered keeper of that vehicle has a current insurance policy of
their own to cover that vehicle. Anything else and you will be
prosecuted.

Really? Well a mate of mine was taken to court over a matter over that
exact issue (amongst a couple of other things to do with no tax or MOT on
the car), and wasn't prosecuted for no insurance.

It is a
misunderstanding due to the way people misread the policy documents.
If your friend has no insurance policy for the car you can not drive it -
even if you have fully comp insurance allowing you to drive other vehicles
on a third party basis.

Really? See my above comment. This is a big can of worms that's been done
to death - can we please not turn into uk.rec.driving and have a
several-thousand-message-long thread about it?

My view is that if you were driving a mate's taxed and MOTd car that wasn't
insured in its own right on your own 3rd party on any car cover, it would be
legal, provided you never parked it on a public road. If you hit someone in
it, your insurance would cover 3rd party liabilities as you were the one
driving it. Your mate wouldn't get done for allowing his car to be driven
without insurance as it wouldn't have been. If it was found parked on the
road, however, the situation would change - difficult to determine who would
be defined as "using" the car, but my bet would be the person who parked it
there. Then the owner could be done for allowing it to be used on a public
road without insurance. BUT if it was always only ever parked on private
land, and driven under someone's 3rd party cover, then I fail to see what
they could prosecute you for.

However, the system's designed to make it difficult to do that on a long
term basis (in terms of taxing a car), and rightly so. There's also the
issue of proving that you were only using it occasionally or as a one-off,
which can potentially invalidate insurance claims, if you were deliberately
driving a car on a long-term basis like that.

If you ping any ANPR cameras you will be prosecuted! Even if you can
show your own policy - the registered keeper MUST also have a valid
insurance policy for that car.

Care to cite an official quotation to back that up?

--
"For want of the price of tea and a slice, the old man died."

On Tue, 30 Jun 2009 07:40:02 +0000, Chris Whelan wrote:

The situation has now changed. There is now an official five day period
at the start of the month when you can legally have a vehicle on the
road with an expired disc. However, you must have already applied for a
replacement


D you have a cite for that? It's the thing that always annoyed me about
the online tax thing, still being liable for the 'not displaying' even
though *they know* you are taxed.

Pete M wrote:
Clive wrote:
"Peter smith" wrote in message
...
Righto I bought a car for a friend who has a provisional license. I
have insurance for my car, and to driver other cars with owners
permission.


It is ONLY legal to drive another car with your own insurance policy IF
the registered keeper of that vehicle has a current insurance policy
of their own
to cover that vehicle. Anything else and you will be prosecuted.

Not necessarily true. I drive cars all the time without knowing if
anyone else has insurance for them, and if I ping an ANPR I just show my
policy and go on my way.

Sometimes it's nice being a motor trader.


I cannot see that at all, I'm not disputing that your trader policy
allows you to drive any car owned by anybody that's it's purpose.

However you buy a car from me that I don't have it insured, you come to
collect it to drive it back to your yard, it is taxed & it is tested
therefore totally legal. You go past an ANPR car there is no way they
know that you are driving & covered by your policy. They will stop you &
ask for proof. Unless of course the ANPR database has telepathy built in.

Alan...

Pete M wrote:
and if I ping an ANPR I just show
my policy and go on my way.

Doh! just read your post properly, I'll get my coat.

Alan...