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I have fully comprehensive insurance, I checked with the insurer when taking it out if I could drive any car with the owner's permission on a third party basis and they confirmed that I could.
Now if I buy a second car, and give myself as the owner permission to drive it, would I be covered on a third party basis by my existing insurance?
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No...
The owner has to be someone else (funnily enough) and also have their own insurance on the vehicle.
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what he said^^^^
get a second policy on limited miles some company's will mirror your existing policy no claims bonus onto the new policy if you have any.
i have done this with my second car
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Admiral multi car and push them to mirror your ncb. They will do it.
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A lot of places will mirror your ncb
Phase 1 D-Turdo, K14@24 psi, De-cat, meaty backbox, Bosch pump, grinded LDA pin, duel air fed K&N =133.7bhp & 188ft/lbs
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Unfortunately not. As said previously it's only "other people's cars". It's also an offence now remember to have a taxed car that's not insured. And you can't tax an uninsured car so your plan wouldn't work even if you signed it over to your dad or something.
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Thanks for the answer guys, i suspected as much. It makes getting a new car or donor car much more of a ballache. I've not been driving for long so have no NCB, insurance is usually around £1000 for a year or £200 per month. Obviously i can cancel my old insurance and get the money back from that but it requires a lot more cash on hand in the interim.
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If you've only recently passed, are you sure you have the benefit? Do you mind me asking how old you are?
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Ah the joys of being old. 10 years ncb next year for me haha
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if you buy another car call your insurance company and add it temporarily so you can drive it home.
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