richmc

it's only ever on the drive or being driven, and its my mum that would be liable as she is the owner
[/quote]
If you are only driving the Gti on private/off road ground you can SORN and it forget the tax. as for the "any car not belonging to" clause is very restrictive and can cause you problems. Going the named driver route is better but you have to prove now that you are not the main driver i.e. you don't use it as your commute and end up doing more miles than the policy holder and you have to provide proof. It's all getting very tricky now because of mum insuring the kids car and naming the new driver is not recognised by most insurers, thats how multi car policies came about.

gaddafi

it's a non-story

declaring or revoking sorn is dead easy

and once declared you get a reminder when it's due for renewal

the changes simply mean a further inconvenience for people who put cars on and off road uninsured and untaxed

afaiac that's a good thing and not in the slightest inconvenient for a normal law-abiding citizen

Ste_Nova

i drive it on the road and will until the tax runs out at the end of june then mum may have to have it insured all year round with me as a named driver, i will do more miles cause she doesn't drive lol

richmc

you won't legaly be able to do that with some policies, that will mean you are driving without insurence you will be done for that and Mom will be done for permitting you to drive without insurence.

dennohue

I hope she has a driving license!

Ste_Nova

i have 3 of my own cars with my own ins on, i don't think they would do any investigating

richmc

Try getting insurence without one!

Ste_Nova

Try getting insurence without one!
[/quote]

she has... but along the same lines my friend has been drivng his sons car on the drive any car bit on his insurance, his son is 4

Stoatmaster

it's only ever on the drive or being driven, and its my mum that would be liable as she is the owner
[/quote]

What you are doing is illegal then. Your insurance document will probably state somewhere that the vehicle you are driving must have a named policy applied to it. What's to stop your mother buying some exotic car and then you driving it on your own policy to avoid the premium on something like a Gallardo?

You are very lucky you have never had an incident, as you are effectively un-insured whenever you climb into that 106. Insurance companies will use any means to avoid paying out, if you had the misfortune to injure somebody you are liable for tens of thousands of pounds. Your not alone though, many people think what you are doing is legal and above board. They are wrong.

Ste_Nova

it's only ever on the drive or being driven, and its my mum that would be liable as she is the owner
[/quote]

What you are doing is illegal then. Your insurance document will probably state somewhere that the vehicle you are driving must have a named policy applied to it. What's to stop your mother buying some exotic car and then you driving it on your own policy to avoid the premium on something like a Gallardo?

You are very lucky you have never had an incident, as you are effectively un-insured whenever you climb into that 106. Insurance companies will use any means to avoid paying out, if you had the misfortune to injure somebody you are liable for tens of thousands of pounds. Your not alone though, many people think what you are doing is legal and above board. They are wrong.
[/quote]

1 of my policys says the other car has to be insured the other 2 policys don't, i've been pulled in it for no insurance showing and once they have seen the document and called it though everything is fine and i'm on my way