Is UK car insurance still valid if the owner moves to a different country?
Hi,
My parents are moving abroad and want to give me their car. This includes leaving their rented house so they will have no residential address in the UK. They have paid for a year of insurance in full.
I am already fully insured on a car and it allows me to drive other cars on a third party basis.
My question is, will their insurance remain valid for the remainder of the year (given the address is changed to mine) so that I can drive it until it expires, or will I have to insure it myself, even though they have already paid?
My parents are moving abroad and want to give me their car. This includes leaving their rented house so they will have no residential address in the UK. They have paid for a year of insurance in full.
I am already fully insured on a car and it allows me to drive other cars on a third party basis.
My question is, will their insurance remain valid for the remainder of the year (given the address is changed to mine) so that I can drive it until it expires, or will I have to insure it myself, even though they have already paid?
Original post by FauxHydon1
Hi,
My parents are moving abroad and want to give me their car. This includes leaving their rented house so they will have no residential address in the UK. They have paid for a year of insurance in full.
I am already fully insured on a car and it allows me to drive other cars on a third party basis.
My question is, will their insurance remain valid for the remainder of the year (given the address is changed to mine) so that I can drive it until it expires, or will I have to insure it myself, even though they have already paid?
My parents are moving abroad and want to give me their car. This includes leaving their rented house so they will have no residential address in the UK. They have paid for a year of insurance in full.
I am already fully insured on a car and it allows me to drive other cars on a third party basis.
My question is, will their insurance remain valid for the remainder of the year (given the address is changed to mine) so that I can drive it until it expires, or will I have to insure it myself, even though they have already paid?
Ask the insurer.
'probably' not valid. I doubt their policy would remain valid if they leave the UK to live - insurers tend to be pretty picky about where both you and the car normally are.
The policy that lets you drive other vehicles 3rd party 'probably' requires another full time policy (like your parents) to already be in place to cover it for the time you aren't driving it - it needs to be insured or SORN'd at all times etc or the owner starts getting nasty letters.
As above you'd need to really talk to the insurers themselves to be sure, but even if your parents paid upfront for the year they 'should' get a chunk of that back if they cancelled, minus some fees. it might be simpler just putting that towards making your policy a multi car as the savings are often good, assuming you want to keep both.
The policy that lets you drive other vehicles 3rd party 'probably' requires another full time policy (like your parents) to already be in place to cover it for the time you aren't driving it - it needs to be insured or SORN'd at all times etc or the owner starts getting nasty letters.
As above you'd need to really talk to the insurers themselves to be sure, but even if your parents paid upfront for the year they 'should' get a chunk of that back if they cancelled, minus some fees. it might be simpler just putting that towards making your policy a multi car as the savings are often good, assuming you want to keep both.
Original post by FauxHydon1
Hi,
My parents are moving abroad and want to give me their car. This includes leaving their rented house so they will have no residential address in the UK. They have paid for a year of insurance in full.
I am already fully insured on a car and it allows me to drive other cars on a third party basis.
My question is, will their insurance remain valid for the remainder of the year (given the address is changed to mine) so that I can drive it until it expires, or will I have to insure it myself, even though they have already paid?
My parents are moving abroad and want to give me their car. This includes leaving their rented house so they will have no residential address in the UK. They have paid for a year of insurance in full.
I am already fully insured on a car and it allows me to drive other cars on a third party basis.
My question is, will their insurance remain valid for the remainder of the year (given the address is changed to mine) so that I can drive it until it expires, or will I have to insure it myself, even though they have already paid?
As @Stiffy Byng and @StriderHort have said, you need to check with the insurers.
Note that "driving other vehicles" cover tends to be there to cover one-off exceptional circumstances rather than to regularly drive other vehicles. There may be age limits on that aspect of the policy (e.g. it only applies to drivers aged over 21/25 etc). It's not there to allow you to get fully comp insurance on a Fiat Panda and then drive someone else's Porsche.
Original post by martin7
As @Stiffy Byng and @StriderHort have said, you need to check with the insurers.
Note that "driving other vehicles" cover tends to be there to cover one-off exceptional circumstances rather than to regularly drive other vehicles. There may be age limits on that aspect of the policy (e.g. it only applies to drivers aged over 21/25 etc). It's not there to allow you to get fully comp insurance on a Fiat Panda and then drive someone else's Porsche.
Note that "driving other vehicles" cover tends to be there to cover one-off exceptional circumstances rather than to regularly drive other vehicles. There may be age limits on that aspect of the policy (e.g. it only applies to drivers aged over 21/25 etc). It's not there to allow you to get fully comp insurance on a Fiat Panda and then drive someone else's Porsche.
If a policy permits the policy owner to drive a car which does not belong to the policy holder, then absent any expressed limitation on such permission, the permission is not restricted to "exceptional circumstances".
The Porsche would have to be insured by someone else before the Fiat Panda policyholder could drive the Porsche.
Typical wording is as follows -
"As the policyholder, you're covered to drive someone else's car if:
● You have the owner's permission
● It has valid insurance
● It's not owned by you or your partner or business partner/employer
● It's not under a hire purchase, self-drive hire or lease agreement of any kind."
Original post by StriderHort
'probably' not valid. I doubt their policy would remain valid if they leave the UK to live - insurers tend to be pretty picky about where both you and the car normally are.
The policy that lets you drive other vehicles 3rd party 'probably' requires another full time policy (like your parents) to already be in place to cover it for the time you aren't driving it - it needs to be insured or SORN'd at all times etc or the owner starts getting nasty letters.
As above you'd need to really talk to the insurers themselves to be sure, but even if your parents paid upfront for the year they 'should' get a chunk of that back if they cancelled, minus some fees. it might be simpler just putting that towards making your policy a multi car as the savings are often good, assuming you want to keep both.
The policy that lets you drive other vehicles 3rd party 'probably' requires another full time policy (like your parents) to already be in place to cover it for the time you aren't driving it - it needs to be insured or SORN'd at all times etc or the owner starts getting nasty letters.
As above you'd need to really talk to the insurers themselves to be sure, but even if your parents paid upfront for the year they 'should' get a chunk of that back if they cancelled, minus some fees. it might be simpler just putting that towards making your policy a multi car as the savings are often good, assuming you want to keep both.
Exactly. You may be covered to drive it with their permission on your own insurance, but for that they are still required to have a valid insurance policy on the car.
And this driving it with their permission is meant to be for the odd one off uses, not regular use. If you want regular use, then be a named driver on the policy or have your own insurance policy on the car.
Plus theres usually age limits. Most insurance companies only let you drive other peoples cars with their permission if you are over 25.
With regards to whether your parents insurance policy is valid if they arent in the country or not, id check with the insurers on that one.
(edited 1 month ago)
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