my insurance is third party fire and theft but allows me to drive any vechile not owned owned by myself, under that insurance. i wanted this so i could drive my gfs car my parents car etc etc. and was told that would do that , never knew taht was possible until then, thought id have to be fully comp. :S anyways im also insured through work to drive a mid wheel base merc sprinter van, which i believe is a class 7 vechile cant get it mot at the normal car places.... now if for example i tak ethe van fishing with my bosses permission, and the work insurance doesnt cover me as its for social useage(an asumption) does my car insurance now pick up the slack and cover me to drive the van as i dont own it and its for social use? or does it not apply being a class 7?

the insurance company isnt open today, i dont have a cvopy of the van insurance and my insurance doesnt say anything about driving other verchiles in the policy. i want to drive the van to my gfs place 12 miles away tonight to go to work tomorow morning. but dont wanna get busted for not knowing the ins and outs and being a victim of the gastopo

?!!?!??!?!?????? confused.com :confused1:

The best way to find out these points made by HollowPoint are right is to go into a VRO or Post Office and try and tax a vehicle with the drive any vehicle clause. They will NOT let you tax it, as the vehicle trying to be taxed must hold a valid insurance certificate in it's own right. If you were legally covered by this clause, you would be allowed to tax the vehicle. Is that right HollowPoint?

You are exactly right, you cannot tax a vehicle under the DOC (Driving Other Cars) extension because the vehicle itself is already not covered by your insurance when you parked it, to go into the post office, at that time, it's either not insured (In which case it isn't insured when you're driving it either), or it's insured by it's original policy, not yours.

 

You can tax a vehicle with an any vehicle policy though, such as a fleet policy or a Traders policy. Traders policies are awesome, I used to have one. Fleet policies are different, because the vehicle is automatically covered (In most cases, but not all) when the vehicle is owned by the policy holder (In most cases a company rather than an individual), so as soon as a company buys or leases a vehicle in it's trading name, the vehicle is insured on the company policy, as someone mentioned earlier however, there are normally restrictions on usage, and now most police cars have ANPR, if the vehicle doesn't have a policy in it's own name, declared on the MID (Motor Insurance Database) which is run by the MIB (Motor Insurance Bureau, not Men In Black unfortunately), then you are likely to get pulled up a lot and should have a copy of the companies cover note/certificate with you at all times.

thankyou thats answered my questions

Superb write-up by Hollowpoint. Thanks mate - you know we ought to make this a "sticky" in the FAQ storage area.

 

There's nothing like the voice of someone in the trade to put things into perspective for the benefit of us all.

 

Richard:cool2: