ye mot is booked.. looks like a tow truck job then
you need insurance but mot is not mandatory if yoy get stopped without mot they will test your car and do you for anything it fails on [i got stopped 3months mot out of date put it through mot next day and was ok]
You need day insurance or get someone with Drive Other Car cover to drive it
(It's a myth that the car needs to be insured in its own right - unless the policy says so which is rare)
You need insurance now regardless of whether you are driving the car or not, even if its just sat on your driveway.
I'd reckon plod isn't going to be happy with you if he pulls you and you have no insurance, whatever you're doing. Another consequence of having no insurance is a third-party claim, say from the parents of a kid you knock over on the way to the MOT station. Most multi-car accidents cost a fortune to clear up without the injury claims on top..how do you feel about being sued for those costs and spending the rest of your life paying it off?
I'd reckon plod isn't going to be happy with you if he pulls you and you have no insurance, whatever you're doing. Another consequence of having no insurance is a third-party claim, say from the parents of a kid you knock over on the way to the MOT station. Most multi-car accidents cost a fortune to clear up without the injury claims on top..how does the OP feel about being sued for those costs and spending the rest of their life paying it off?
You need day insurance or get someone with Drive Other Car cover to drive it
(It's a myth that the car needs to be insured in its own right - unless the policy says so which is rare)
Have you even read the OP's post?
True under the newish legislation which I forgot about, but that won't stop you, as a driver, from driving an uninsured car under your Drive Other Cars cover. You won't be done for no insurance so long as your policy says you can drive other cars with the owners permission. Any penalty sent automatically for letting the insurance lapse without declaring SORN is a financial penalty only, sent to the registered keeper, and is much less serious than driving without insurance.Incorrect, unless it's sorn, all cars have to be insured. Otherwise it's assumed you're breaking the law and driving illegally. Fines sent through the post now.
True under the newish legislation which I forgot about, but that won't stop you, as a driver, from driving an uninsured car under your Drive Other Cars cover. You won't be done for no insurance so long as your policy says you can drive other cars with the owners permission. Any penalty sent automatically for letting the insurance lapse without declaring SORN is a financial penalty only, sent to the registered keeper, and is much less serious than driving without insurance.
totally wrong, the car you are going to drive needs both its own insurance cover by the registered keeper and you also need comprehensive of your own to drive someone elses car. I had all this confirmed to me a few weeks ago when i needed to borrow someone elses car.
Oh, and I've had a TPF&F policy which included Drive Other Car cover too, it's not just comprehensive policies.... and you also need comprehensive of your own to drive someone elses car.
No it doesn't, it is the driver that needs cover, not the car. It's a myth been going for years, IF your insurance says you can drive other cars then you are insured to drive that car, similar to how a trader can drive a car without the car itself being insured. You must not leave the car though as then it is uninsured on the public road.
I bet you think no MoT or no Tax voids insurance too
No it doesn't, it is the driver that needs cover, not the car. It's a myth been going for years, IF your insurance says you can drive other cars then you are insured to drive that car, similar to how a trader can drive a car without the car itself being insured. You must not leave the car though as then it is uninsured on the public road.
I bet you think no MoT or no Tax voids insurance too
OP needs to read this about the new insurance laws that came in June 2011.
http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696
If you're the registered keeper of a vehicle, it must be insured at all times.
The exceptions are:
What will happen if your vehicle doesn't have insurance
- if you have made a SORN for the vehicle
- if your vehicle has been kept off-road since before SORN came into force on 31 January 1998 – unless it was brought back into use
- if your vehicle is recorded as stolen, passed or sold to the motor trade or between registered keepers
- if your vehicle is recorded scrapped or permanently exported by the Driver and Vehicle Licensing (DVLA)
From the end of June 2011 Insurance Advisory Letters (IAL) will be issued by the Motor Insurers' Bureau to the registered keepers of uninsured vehicles. This will be following a check of the Motor Insurance Database (MID) - the UK's central record of vehicle insurance. The IAL will advise the registered keeper that their vehicle appears to have no insurance and what actions to take to avoid receiving a fixed penalty from DVLA.
If a vehicle does not have insurance, the registered keeper could:
Payment of a penalty does not replace the need for motor insurance.
- receive a fixed penalty of £100
- have their vehicle wheel-clamped, impounded, or destroyed
- face a court prosecution, with a possible maximum fine of £1000