Safe Speed Forums

ok I have a question for you all that has bothered me for a while.

If, on my insurance policy, I am covered 3rd party to ride another bike/drive another car, does the car that I want to drive, that is not my own but I have owners consent to drive, have to already be covered by owners insurance. Thats is to say, the owner of the car has no insurance on his car, can I still drive it on my insurance?
Now, I am aware that he can get insurance, then his tax a month down the line (cos he cant afford both falling due at same time), but then cancel his insurance so tax still on car. I was under the impression that new legislation recently passed or still waiting to be passed meant that ALL motor vehicles needed to have their own insurance whether taxed or sorned?

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Nothing in the world is more dangerous than sincere ignorance and conscientious stupidity.

Yes. Unless your insurance policy says otherwise, and I've never yet seen one that does. The policy defines exactly what you can and cannot do.



No. Forthcoming regulations (if approved) will make it an offence (just a fine, £80 proposed) to:

Not renew your motor insurance so as to provide continuous cover OR not to declare the vehicle off road at or before the expiry of the insurance.

In other words, at the expiry of your insurance you MUST, renew OR declare or face a fine.

I think it's daft as a brush and I pity the people who are abroad or in hospital when their insurance expires.

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Paul Smith
Our scrap speed cameras petition got over 28,000 sigs
The Safe Speed campaign demands a return to intelligent road safety

Thanks Paul, thought it was summat like that, cleared that one up for me cheers

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Nothing in the world is more dangerous than sincere ignorance and conscientious stupidity.

I would say that yes you can drive on 3rd party extension cover with no policy outstanding simply because I once had an accident whilst driving a car on said cover when there was no policy out on the vehicle at the time. Somebody ran into the back of me on the M5 near Cheltenham and becuase the police were involved I got a producer. The police were quite happy when I gave them my insurance certificate for my own car(not the car I had the accident in).

Why do you think it's daft?

If your insurance has expired and your car is on the road, it's illegal.

If you know you're going to be out of the country for long enough have to worry about your insurance renewal, isn't it sensible SORN your vehicle anyway.

I would suggest that the number of people this would affect in an unfortunate way would be less than 1%, and they could probably appeal it anyway given mitigating circumstances.

It will hopefully provide some deterrent to those who just don't bother renewing, like the guy who reversed into my neighbours car a few months ago. Respectable, 60 year old chap - not insured. Hadn't been for years.

Because it's just a weak proxy for the desired behaviour. It'll end up messing up the lives of hundreds of thousands of responsible people who have no intention of driving without insurance.



But this daft law will make it a minor offence even if it isn't on the road.



Maybe it is, but do you really think it should be a crime to forget?



What? 1% of the entire driving population every year? That's 340,000 people each year.



What makes you think that the folk we need to find had insurance in the first place? The vast majority of them didn't. (OK, that's just a smart guess.)

This new law only kicks in when insurance expires.

And it gives everyone one more reason to avoid registration requirements.

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Paul Smith
Our scrap speed cameras petition got over 28,000 sigs
The Safe Speed campaign demands a return to intelligent road safety

Why is it illegal for a car to be on the road without insurance?

Surely the driver is insured to drive the vehicle, but if it's not being driven why the neccessity for insurance?

In France, your insurance has to be renewed and in place, one month before the old policy expires.
Consequently, ALL insurers AUTOMATICALLY renew one month before, unless instructed otherwise, and this is binding - you cannot then cancel because you found somebody cheaper after the one month deadline.

You DONT always get a reminder that your insurance is due - there is no need, as it is not allowed to expire!

I would worry I might miss the deadline - but it doesn't seem to bother the French!

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Time to take responsibility for our actions.. and don't be afraid of speaking out!

I suppose for the unlikely but feasible possibility that if your parked vehicle 'rolls away' into another vehicle or 'spontaniously combusts' setting fire to nearby cars/house, or being really petty (and Americanesque), some scam-artist falls on it and hurts themself.

Do YOU want to be personally liable for any of those claims?!?

Or a drunk cyclist rides in to it when it's parked, and you have to pay his hospital bills

I am 110% against this new law.

It's already illegal to drive without insurance. I fail to see how this will do anything constructive or remotely useful.

Doing anything with the DVLA on a temporary basis such as declaring SORN whilst on holiday is completely impracticle because they are so bloody slow at turning anything around.

Took me 11 weeks to get a V5C last year.

It's also my experience that no official organizations are exactly forthcoming or prompt with refunds such as SORN requires.


This is yet another Great British second layer law to try to make up for the first one covering the subject that has proven to be unenforceable.

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And how long before someone gets fined and points after CHANGING insurers and getting lost in the system? When will this stupid government realise that the real criminals will avoid the system anyway and all that this legislation acheives is to persecute the common man?!

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Science won over religion when they started installing lightning rods on churches.