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Insurance and Legal Owner Question

Old 03-02-2018, 02:44 AM
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There is no "standard" answer to this. the OP needs to look at the wording in the policy or on his certificate of insurance.
Usually it's something along the lines of "the insured is covered to drive other cars not belonging to him.....etc".

If it doubt my advice is to check with the Insurance Company - ideally before you have to make a claim with them. Third party claims can get incredibly expensive, especially if there is injury or worse involved.
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Old 03-02-2018, 06:56 AM
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Originally Posted by chrispayze View Post
I've never heard that before at all. Marriage is irrelevant. Either it's the insured party's car (ownership is irrelevant apart from to the insurers who use that info to price it etc), and the insured party's driving it on their insurance, or someone else is driving it. If someone else is driving it, they have to either be a named driver on the insured party's insurance, or have coverage through their own insurance (usually this is either non-existent, or 3rd party only). Simple as that.

In your case, you're not the insured party. If your covered 3rd party for cars other than the one you're insured on, then the ownership is irrelevant.
It's entirely down to the wording of the insurance policy, ownership is irrelevant, you don't own a company car but you are still insured to use it. Named driver is the way to go but best to enquire with the insurers as how you actually stand.
Being a named driver means you cannot be the majority or sole driver of the car, that is illegal, and is called fronting and will invalidate your insurance. But you can save by having the policy yourself and adding "Miss Daisy" as named driver.
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Old 03-02-2018, 09:18 AM
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Originally Posted by CynicG View Post
Do they know you track it Mike?
hahaha s2k is on its own policy. What they don't know won't harm them!
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Old 03-02-2018, 09:22 AM
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Extract from my policy with Admiral

The policyholder may also drive with the consent of the owner a
private motor car as long as the other car is not a hire or rental
car, is not owned by you or your partner nor obtained by you or
your partner under a hire purchase or lease agreement, within
our territorial limits, providing there is a valid insurance policy in
force for that car.
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Old 03-02-2018, 09:38 AM
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Our CRV insured with LV in wife's name who is the main driver (even though car V5 is in my name) :
The policyholder only may also drive with the owner's permission a private motor vehicle not owned or registered by or hired to the policyholder under a hire purchase agreement. The cover for the policyholder only, not named drivers and is restricted to the UK, IoM and the Channel Islands. The loss or damage to the vehicle you're driving isn't covered.

S2000 - all in my name. but not telling you who the insurer is as that will give away my age !
Providing the above vehicle (the S2000) is still owned and insured under this policy, the Policyholder may also drive, subject to the owner's permission, any other motorcar which does not belong to him/her or is not hired to him/her under a hire purchase or leasing agreement for at least 12 months duration. If this is allowed for under <section 5 above>, please note the cover is limited to Third Party only. Damage to that vehicle is NOT covered by your insurance and must be driven within the territorial limits. This cover does not extend to vans, motorcycles or any other type of motor vehicle.

So OK under the S2000 policy. But seriously, if I was offered a chance to drive an Aventador around the block I doubt I'd do it with TP only cover.
Think Mike is lucky to have a policy that gives Comprehensive cover, it's not the norm for your standard consumer policy.
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Old 03-02-2018, 11:20 AM
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My insurance is Direct Line and has the same wording as yours - which says I can drive it if not owned by me. Assuming the only way they will accept I don't own it is to not be on the V5 then hopefully that's enough. This half-ownership a worry though.
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