Re: ABOUT TIME


"Conor" <conor.turton@xxxxxxxxx> wrote in message
news:MPG.1da784c28a1f489698ae58@xxxxxxxxxxxxxxxxxxxxxx
> In article <433d6e5a$0$16329$ed2619ec@xxxxxxxxxxxxxxxxxxxxxxxxxx>, Mike
> G says...
>
> > Another problem could be when the owner doesn't have insurance, but the
car
> > is taxed and insured etc, and is being driven by someone else on their
own
> > insurance.
> > I suppose the owner could still receive a fine, and then have to prove
they
> > were not driving it at the time.
> > Mike.
> >
> What they would have to prove is that at no point, the car is not
> parked unattended in a public place. You can't park a car on the street
> if it's not insured, even if it's MOT'd/Taxed and people driving on
> their own policy extension only cover the car when they're behind the
> wheel.

I've yet to be convinced of that. Documentation?
Personally I've never had a policy with such a clause stipulated.
If it were true, it would make the concession allowing a driver to drive a
car not owned by them, etc etc, virtually valueless, as they could not get
out of the car unless it was on private property. Not even to go to the
toilet, or even get something from the boot.

I believe the correct interpretation, unless otherwise stated, is that
whilst you are 'borrowing' a car, you are in charge of that car and
responsible for it until it is handed back to it's owner. So if you leave it
unnatended and it rolls away causing property damage or injury to third
parties, your insurance will cover those claims.
Cover is usually restricted to 3rd party only, or the minimum legally req'd
under the road traffic act, so wouldn't cover any damage to the 'borrowed'
car.
Mike.

.

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