Strange question this but.....
1. I have my own car with my own full comp policy. I can drive other peoples cars on my policy as a 3rd party.
2. My mate has a car he isn't using which is taxed & NCT'd but has no insurance on it. It's just lying up as he is abroad.
So can I drive it on my own policy, covered as a 3rd party? I know I can do this with any car but where I'm uncertain is that normally the other cars would be insured in it's own right.
I mean otherwise, surely people could buy two cars, put one in a mates name and drive under one policy!!
Reason I'm asking is that I want to borrow my mates car while mine is being serviced and resprayed which could take a couple of weeks. I don't want to transfer my insurance onto the other car temporarily as I don't want to have my car sitting in some paint shop with no insurance on it!
Any info would be appreciated.
The normal thing to do would be to arrange a temporary substitution onto another vehicle and the car being resprayed / repaired would be covered on the repairer's trade policy while it is on the repairer's premises, but it would not be covered to be driven on public roads.... Reason I'm asking is that I want to borrow my mates car while mine is being serviced and resprayed which could take a couple of weeks. I don't want to transfer my insurance onto the other car temporarily as I don't want to have my car sitting in some paint shop with no insurance on it! ...
A vehicle being off the road for up to two weeks "being serviced and resprayed" and the insurance company being left out of the loop might suggest to some a few "porter stains" on the car and a cash-only repair, but as I'm not cynical I wouldn't think that ...
The normal thing to do would be to arrange a temporary substitution onto another vehicle and the car being resprayed / repaired would be covered on the repairer's trade policy while it is on the repairer's premises, but it would not be covered to be driven on public roads.
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