This is not me, just a post I read elswehere for your information
======================================
Just wanted to warn anyone that drives a friend or family members car on their own comprehensive insurance policy to check their policies on renewal.
to clarify.. you have comprehensive cover on your own vehicle ... borrow a friends insured car but drive it under your own insure with just third party risks...
I did this the other day (as I have previously) as my friend wanted a drink ... and was stopped by the police for a faulty brake light. (which we didn't know about). After confirming the car was my friend's they checked his insurance and asked if I was driving the car on my own insurance policy which I stated I was. They then took details of my vehicle and address to check this to be told by control that I did not have insurance to drive other cars. I was gobsmacked as I have always had this cover ( checked old policies to make sure) . The police officer then informed us that a lot of insurance companies are removing the third party cover for other vehicles automatically on renewal. So if you don't read the terms and conditions you would not realise. (sure I'm not the only one not to check on renewal papers) . Because they had been told I was not insured my friend was then breathalysed as well to see if he was able to drive the car. Luckily he was well under the limit or he was told his car could of been towed! Because of this change on the insurance policy I now have 6 points on my licence and a hefty fine to pay... (and yes I know I should of checked too .. but you don't expect the cover to change on a renewal with the same company)
So if you drive cars other then your own, ask for the third party cover .. or if it's a regular thing then get put as a named driver on their policy if that's possible
=====================================
Peter
======================================
Just wanted to warn anyone that drives a friend or family members car on their own comprehensive insurance policy to check their policies on renewal.
to clarify.. you have comprehensive cover on your own vehicle ... borrow a friends insured car but drive it under your own insure with just third party risks...
I did this the other day (as I have previously) as my friend wanted a drink ... and was stopped by the police for a faulty brake light. (which we didn't know about). After confirming the car was my friend's they checked his insurance and asked if I was driving the car on my own insurance policy which I stated I was. They then took details of my vehicle and address to check this to be told by control that I did not have insurance to drive other cars. I was gobsmacked as I have always had this cover ( checked old policies to make sure) . The police officer then informed us that a lot of insurance companies are removing the third party cover for other vehicles automatically on renewal. So if you don't read the terms and conditions you would not realise. (sure I'm not the only one not to check on renewal papers) . Because they had been told I was not insured my friend was then breathalysed as well to see if he was able to drive the car. Luckily he was well under the limit or he was told his car could of been towed! Because of this change on the insurance policy I now have 6 points on my licence and a hefty fine to pay... (and yes I know I should of checked too .. but you don't expect the cover to change on a renewal with the same company)
So if you drive cars other then your own, ask for the third party cover .. or if it's a regular thing then get put as a named driver on their policy if that's possible
=====================================
Peter