Sold Car

[cleggie]

If you had insurance on your own vehicle and it covered you to drive someone else car as third party with their consent,then you sell the car that the policy was ie you no longer have any vehicle,can you still drive someone elses car even though you no longer own the vehicle that is stated on your policy?

[Ethel]

As soon as you sell the vehicle your insurance is void as you no longer have an insurable interest in it.
You are obliged by the terms of the insurance to notify them of any change in circumstances, and as soon as you tell them you have sold the car, your insurance will be cancelled.

[cleggie]

thanks ethel,its just that stepson sold his car,and as i rightly thought by doing that he is no longer insurred.I asked because he wanted to borrow his mums car and i said no as he is no longer a car owner ,and therefore not insurred he was not covered to use her car.but because he said i am still making my montly payments iam still insurred.i said no cos you have no car yourself for your policy to be valid

[barry1010]

You're right, cleggie. He should cancel the policy and save his money.

[cleggie]

he still insists he can legally drive somebody elses car and wont take any notice.is there anything i can do cos i dont want him causing any accidents especially as hes not insurred legally

[sovereignv12]

Ethel is ABSOLUTELY spot on Cleggie - he has NO insurance. Tell him to speak to a broker - they will confirm it. Don't ever let your kids borrow your car - even WITH insurance!!

[cleggie]

thanks,if he continues not to take notice of what hes being told i will inform his insurance company and get them to inform him.

[New Judge]

A bit late, I know cleggie (only saw this question today).

Perhaps one way to demonstrate this to him is to suggest that he could go and buy a policy for a �500 banger. He could then scrap or sell the banger, keep the policy and go on to drive his mate�s Ferrari. Clearly ridiculous. He sounds as if he knows he is right whatever you say, so it may be wasted breath.

More importantly there is another warning you (or rather Mum) needs to heed.

If he is caught driving with no insurance he will be prosecuted, but so will mum. It is an offence for the Registered Keeper of a vehicle to allow it to be driven uninsured. The penalty is the same as for driving uninsured (a fine plus a minimum of six points) and the excuse that �he told me he was insured and I believed him/wasn�t quite sure but I still let him drive...� etc will cut no ice.

[alifbae]

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