Ready to Participate?
Ready to Participate?
Get Started!
Log In

Whose insurance is it?
OK, it's a bit of a contrived example.

Imagine you were to legally drive a car to a location and leave it there for another driver to collect, several days later.

Your insurance expires (or you stop it) after you drive it, but prior to the other driver collecting it.

The other driver takes out an insurance policy which starts some time after your insurance has expired.

During the intervening period, the car has no insurance, but who would be responsible?

The driver depositing the vehicle, or the driver collecting it?

Note that the registered keeper may be unaware of the situation, so that's not much help either.
asked in insurance, cars, history

Russel.West answers:

The owner of the car is responsible for ensuring it is insured since that is often the keeper of the car there is not often a problem, however the driver must be insured to drive a vehicle, it would be the responsibility of the person who drives the car to ensure they are insured when on the public highway. If the driver knew there would be a period when the car was uninsured and on the public highway they could be liable to being reported and possibly prosecuted, but most likely the vehicles registered keeper would be the one to get a fixed penalty notice from DVLA.

/ reply

mercman99 answers:

Seeing as you can't insure a vehicle that doesn't belong to you,the registered keeper has responsibility to insure the vehicle.If the V5 form has been changed and sent off the new keeper has the responsibilty of providing insurance.If the vehicle is kept on private land it doesn't need insurance but would require (legally)to be declared SORN (Statutory off road notice)for the time it is off the road before being reinstated.Dealers get round this problem by having block insurance and dealer conditions from the DVLC while the vehicle is in their care as long as the vehicle is on their property.

/ reply

high1971 answers:

ahh you describe a very good port trick what is known in the trade as donking this is a strange legal view but it maybe that neither of you are responsible for the car after the lapse as it maybe down to the owner of the land if the car was allowed to be parked on thier land for this knowing purpose
we do this alot with trailers and cars and in our case the responsability is on the port/land owner after we have dropped it off

/ reply


No Comments