Re: Classic car insurance and no claims

Buy an old Fiesta MOT failure (£50) and insure it?

I did this once, the other way around. I had an old Renault 5, paid a couple of hundred for it. It packed in a few months later, but I kept the insurance to protect my no claims. It also entitled me to drive other cars.

Hi,

I would never not mention the accidents!

The £208 is with two claims. One theft in Feb 2000 and a total fault multiple vcehicle accident.

With regards to insuring a car and then driving any other vehicle. This does not work, as somewere along the line the car you are driving must be insured by someone.

Thanks

Baz

Sure, you can drive it - but how are you going to get a tax disc for it?

And what happens if you park it on a public road and get out?

I wouldn't tax it, it's not my car. That's the point, it allows me to drive other cars, that are *not owned* by me, and not about to be taxed by me either.

A friend's car for example.

The point made was that it has to be insured by someone - and so it does, if it's to have a tax disc and therefore be road legal for anyone.

I see what you mean now Ian.

However, it doesn't *have* to be insured by someone else for my insurance, but what you are saying is that if it is taxed, then it would have been insured at some point. Correct, but irrelevant.

Of course the insurance could have expired any time after it was taxed. In which case my insurance still covers me to drive it. Yours may be different, although I doubt it, because every policy I have had has given me this cover.

Second guessing and speculating here is pointless, I have read my insurance, and I know what is and isn't required, and what I am covered for.

A couple of examples where a tax disk is not required to be road legal:

1. Driving under trade plates.
2. Driving to a booked MOT.

My insurance covers me to drive a friend's car which he has never insured, and does not have MOT or tax, and is being driven by me to a pre-booked MOT test.

Can you quote from your insurance where it says the other car must be insured?

Of course your mileage may vary (pardon the pun) but I can only talk about my own cover.

: Question is will this keep my insurance no claims running as I belive : classic insurance is funny like this???

With a net premium classic policy (ie no no-claims bonus) you can usually get a letter from the insurers saying "Mr X came to us with n years no-claims bonus and has made no claims in the m years for which he's been insured with us". Been there, done that, got n+m years NCB from my next insurer.

Ian

No problem with that - you are entirely correct, in my opinion. Do that a lot, do you? Taking your mates' cars for M0T?

Its small print in the law....never on insurance documents..... I am

I am sure its along the line of...

You can drive another car as long as its insured and owner in some one elses name. If its not the insurance doesnot cover you and you can be done for driving without insurance as you only find out in the Advent of an accident.

I may be wrong....not going to upset anyone...!

Can anyone answer my question on no claims???

Thanks all

Baz

BUT, although your insurance covers you whilst driving it it doesn't cover the car once you've got out. In order for a car to be on the public highway it needs to have an insurance poluicy in effect on it.

Which isn't my concern, it's the owner's. Whilst I'm driving it I'm covered.

In that respect it's similar to trade insurance, the driver is covered, not the vehicle.

If you are going to rely on the bit that says you are covered for cars that don't belong to you, remember that the cover will only be the very minimum legal requirement for third party claims.

Ron Robinson

The message from "Ian Johnston" contains these words:

So would I.

Such changes in the law could sneak through without without any publicity whatsoever but OTOH they could be a myth built on the documents now required to tax a car.

My memory is certainly failing me in this area but ISTR that having to present an insurance certificate when taxing a car is a relatively recent inovation and I don't recall needing to present an MOT in the early days of the scheme.

I would also like to know the statutory (or perhaps case law) authority for the claim aired on these pages recently that you cannot insure a car you don't own, later modified to one you don't have an interest in, with the water further muddied by 'interest' apparently including hire but excluding borrowing. Incidentally my certificate of motor insurance specifically covers me (at what level it doesn't say) for driving "any motor car which is loaned ...... under the Insurers Motor damage Claim Service".

There is no NCD accrued on most classic policies - this is certainly true of Firebond. You can only retain a NCD for two years if not used. The combination of these factors were why we moved my wifes insurance from Firebond this year.

The first option is the better one for you in this sense.