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  #21  
Old 17.12.2015, 11:31
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Re: Private Liability Insurance and Driving 3rd Party Cars

Here a link to the relevant part of said Road Traffic Act 1988
http://www.legislation.gov.uk/ukpga/...irdparty-risks


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145 Requirements in respect of policies of insurance.E+W+S


(1)In order to comply with the requirements of this Part of this Act, a policy of insurance must satisfy the following conditions.

(2)The policy must be issued by an authorised insurer.

[...]
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  #22  
Old 17.12.2015, 11:33
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Re: Private Liability Insurance and Driving 3rd Party Cars

When you read your Swiss policy, which covers you for "occasionally" driving a friend's Swiss car, you might find that in the event of a claim, it actually pays the friend's loss of no claims bonus. It does not pay for any damage to the car nor any 3 rd party claims. So if the Swiss car is not insured for any reason, your insurance policy will not be paying anything. Also occasional use does not cover regularly driving a friend or relatives car. A daughter that drove her mother's car once per month was considered by a Swiss judge to not being an occasional driver, as she was a regular driver, albeit she seldom drove it.

Some years ago my father in London tried to put me on the family policy, as an occasional driver. He was insured by the civil servant's insurance company CSMA which is brokered by the very large insurance broker Norman Frizzell. Frizell scratched their heads and said there was no way I could be insured to drive the UK family car, it just could not be done! I was non-resident & I have a very clean license.
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  #23  
Old 17.12.2015, 11:34
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Re: Private Liability Insurance and Driving 3rd Party Cars

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Yes, that's my conclusion - the idea was to have an easy option if required, which this isn't really going to be by the look of things. Also it would be good to know in general for EF folks.

Ho hum.


Ah... the mythical "easy option".... let me know if you find one! Better to be safe than. etc etc in my opinion. I'm the belt and braces type though!


Best of luck with it. Time to brave the inlaws. Or get your other half to do it...
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  #24  
Old 17.12.2015, 11:37
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Re: Private Liability Insurance and Driving 3rd Party Cars

Yes .. Rent a car.. We used to get added temporarily to the inlaws insurance but it was a pain in the ass and expensive and it was only 3rd party so the inlaws would have got nothing if i hit a wall in their car.

UK like to do things the hard way. The swiss liability insurance may well cover any 3rd party damages you cause, regardless of what you may be doing at the time.. Driving a car, throwing a snowball, playing golf etc.. But the UK law wouldn't recognise it as valid to drive. So you might crash into a wall and the owner of the wall might get paid for the damage and maybe even the owner of the car would get something.. but then you'd get charged by the police for driving without insurance and the owner of the car would likely get charged for allowing it.

That's certainly how i understand it.

* Hire a car just off the airport.. We just saved 200gbp for a 6 day hire by renting from a well known company 2km from the airport, instead of directly inside. They even pick us up at arrivals and on the way home we just leave the car in the airport car park.



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Ok. To legally drive in the UK you need insurance - whether that is via your own policy, being a named driver on someone else's OR having the owner's permission to drive and thereby being insured 3rd party. It is certainly not worth the hassle of being caught without valid UK insurance - nor would your inlaws appreciate the sudden hike in their premiums, I should wager. If in doubt, don't drive. Get lifts. Take a taxi. Rent a car....




Happy holidays!
Rufus
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  #25  
Old 17.12.2015, 12:17
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Re: Private Liability Insurance and Driving 3rd Party Cars

I'm surprised. Apparently you can indeed insure "Damage to motor vehicles (up to 3,500 kg) that you used but do not own " with Zurich by a supplementary policy. That's what they say here under "in detail".
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  #26  
Old 17.12.2015, 14:09
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Re: Private Liability Insurance and Driving 3rd Party Cars

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I'm surprised. Apparently you can indeed insure "Damage to motor vehicles (up to 3,500 kg) that you used but do not own " with Zurich by a supplementary policy. That's what they say here under "in detail".
It is quite normal Urs. In some cases you have to include it, in some cases you can exclude it to safe some money if not needed.

Just be sure what your insurances definition of "3rd party vehicle" and "occasional use" is.
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  #27  
Old 17.12.2015, 14:15
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Re: Private Liability Insurance and Driving 3rd Party Cars

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It is quite normal Urs. In some cases you have to include it, in some cases you can exclude it to safe some money if not needed.

Just be sure what your insurances definition of "3rd party vehicle" and "occasional use" is.
3rd party definition is easy, it's not insurance company dependant.

1st Party is the insured
2nd Party is the insurance company
3rd Party anyone else
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  #28  
Old 17.12.2015, 14:40
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Re: Private Liability Insurance and Driving 3rd Party Cars

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3rd party definition is easy, it's not insurance company dependant.

1st Party is the insured
2nd Party is the insurance company
3rd Party "anyone" else
From the Mobiliar terms and condition, page 18: https://www.mobi.ch/static/mobi.ch/c...a_pp_ab_de.pdf

"Nicht versichert sind Fahrzeuge und Anhänger des Arbeitgebers einer versicherten Person, gemietete oder geleaste Fahrzeuge und Anhänger, Wohnwagen sowie abgeschleppte oder gestossene Fahrzeuge und deren Anhänger."

Not insured are vehicles and trailers of the insured person's employer, rented, or leased vehicles and trailers, caravan trailers, towed or pushed vehicles and their trailers.

Ceveats:
Rented or leased: If you have to pay for loaner from your garage.
Pushed vehicles: A motorcyle you manoever.
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  #29  
Old 17.12.2015, 14:58
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Re: Private Liability Insurance and Driving 3rd Party Cars

Zurich:
https://www.zurich.ch/-/media/zurich...rung.pdf?la=de
Page 29. (Paraphrased, as it does not allow copy and paste)

Vehicles from flat mates.
Vehicles of your employer when used during work time.
Leased, loaned or rented vehicles and trailers. (The text uses the word "geliehenen" )
During a trip where you accompanying a student driver. (Mobiliar does cover it)

Apart from that: Also note that Zurich excludes the liabiltiy for goods which were damaged while beeing transported with a motor vehicle.
Rented some expensive video or photo equipment, and involved in a car crash? Outsch!
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  #30  
Old 17.12.2015, 15:54
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Re: Private Liability Insurance and Driving 3rd Party Cars

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Zurich:
https://www.zurich.ch/-/media/zurich...rung.pdf?la=de
Page 29. (Paraphrased, as it does not allow copy and paste)

Vehicles from flat mates.
Vehicles of your employer when used during work time.
Leased, loaned or rented vehicles and trailers. (The text uses the word "geliehenen" )
During a trip where you accompanying a student driver. (Mobiliar does cover it)

Apart from that: Also note that Zurich excludes the liabiltiy for goods which were damaged while beeing transported with a motor vehicle.
Rented some expensive video or photo equipment, and involved in a car crash? Outsch!
You should take out all risks insurance for rented equipment. Public liability will cover you if you drop it on the rented car.
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