[Closed] Car is SORN, not insured but I am insured to drive other vehicles .............

IIRC, you can drive to and from your nominated MOT station..

IIRC 😉

no, it should be trailered, if it's sorned it has no tax either so the only way to legally drive it would be if you had trade insurance and a trade plate

Unlikely. Usually have an exclusion to say "vehicles not owned or hired by you".

You can drive to an MOT station without an MOT or TAX but it must be insured.

The 3rd party any other vehicle extension to a policy usually states that the car must be insured independently.

Depends on the wording of your other policy. I've had policies that only allowed me to drive a different car if there was already an insurance policy for that car in place, whereas my current policy has no such stipulation.

Other than that, either trailer it, 1 day insurance, or get the MOT place to pick it up.

The mot MUST be pre-booked before you set off. And yes the car must (usually) be covered by another policy before the third party clause takes effect.

Depends on the wording of your other policy. I've had policies that only allowed me to drive a different car if there was already an insurance policy for that car in place

I think this is generally the case. i.e. the car must be insured by [i]someone[/i]. Otherwise your own insurance won't cover it.

I've always wondered about that "not owned by you" clause in policies that cover you third party for other vehicles - I know a few people who've reckoned, over the years, they could get around this between a couple. e.g.

I own a car, it's insured, my wife is a named driver on it, the policy covers the holder (me) to drive something else, third party (ignoring for the sake of argument the "otherwise insured" thing). A second vehicle is bought, and registered in my wife's name. As "I" don't own it, can I drive it under the third party provision on my existing policy?

I'd have thought that the registered keeper being my spouse would not be good enough in this, given joint assets etc, I would expect that it was legally owned by "us" but others have reckoned different and I've always wondered...

ermm yes I know you can drive without MOT to get MOT done

clearly the insurance is more the issue

Really, for a definitive answer you either need to check your policy, or phone your insurance company. Of the three car and one motorbike policies I have, all state that I'm covered third party on another vehicle so long as there is a valid policy covering that vehicle. I think the law may have changed when continual insurance came into force.

NO. Car must already be insured.

I would double check your policy before you do, I believe Sandwicheater to be correct.

Normaly if your fully comp you can drive another person's vehicle, with 3rd party only insurance if

a) you have the correct licence to do so (which you do)

and

b) the vehicle is already insured (normally by the owner).

A friend of mine got caught out by this year's ago. He borrowed a friends unused motorbike, believing he was insured on his own policy. He was stopped by the police and then successfully prosecuted for driving without insurance.
His friend had no insurance on the bike, as such his own was then void and he was therefore uninsured.

NO. Car must already be insured.

^This, not worth the risk as APR cameras will generally catch an uninsured vehicle.

As others have suggested the car needs to be directly covered by a specific policy.

Tax and mot are not an issue as long as you pre-book the car in and make sure you remind them on the day and they have off road parking. Garage on Hampton road in Bristol (redland) screed me up by parking my work car on a street round the corner from their garage after tue mot and it was clamped and I got into T double.

I told them at the first time of booking it was sorn'ed so they could make a note in their diary but their excuse was I didn't remind them on the day. Must be a very observant mot inspector who fails to notice the lack of tax disc in the window! To really tale the pee their off road mot spaces in front of the garage were empty when I got there.

Only other way round it would be trade insurance with trade plates etc.

I thought you need insurance on a vehicle even if it is SORNed.

Find a closer MOT station. Do not kill any baby robins on your way there and back.

own a car, it's insured, my wife is a named driver on it, the policy covers the holder (me) to drive something else, third party (ignoring for the sake of argument the "otherwise insured" thing). A second vehicle is bought, and registered in my wife's name. As "I" don't own it, can I drive it under the third party provision on my existing policy?

The car has to be insured by its owner to be on the road legally, and then the driver would also have to have adequate insurance to be the one driving it if they weren't a named driver on the owner's policy - so in your for-instance there would would have to be two insurance policies in place.

for you to be insured 3rd party on another vehicle it can't be in your name. I.e is has to be someone else's car with there permission.

Also check the status of the insurance should the car fail and you want to drive it home for repairs.

I had a car that I was doing up and, when I asked the insurance about being insured for a prebooked MOT, they said fine as long as it passes. I thought they were taking the mick but they insisted it could be driven there but couldn't leave under its own steam without a valid MOT.

Apparently its because an MOT fail means its not roadworthy. That's not to say its roadworthy on the way there when they allowed it to be insured......

The car has to be insured by its owner to be on the road legally

no it doesn't. I own all the cars in our household but my GF is the policy holder on one as she is the main driver. There must be a policy covering the vehicle directly but it doesnt have to be the owner who takes it out. Obviously you must have the owners permission to drive the car and it's an offence to take out a second policy on any car.

I had a car that I was doing up and, when I asked the insurance about being insured for a prebooked MOT, they said fine as long as it passes. I thought they were taking the mick but they insisted it could be driven there but couldn't leave under its own steam without a valid MOT.

that may be their policy but that is not the case in the law. You are allowed to drive directly to and from a pre-booked MOT or pre-booked place of repair (and not just 'your mates house'). Only exception is if the car is deemed too dangerous to be on the road by the MOT inspector in which case the repairs must be carried out there or the car trailered away.

Obviously check this first on the .gov.uk site but that is what I remember.