Left hand down!:
Personally if I was out of time and didn’t do nights out I wouldn’t give a flying [zb] what insurance was or wasn’t in place on the ‘recovery’ vehicle so long as they got me home. Too many big girls blouses in this industry now flapping over the slightest non-events instead of just cracking on and getting the job done.
I got the job done if you read my first post,he drove my car back,I drove the truck back 
,
Conor:
dozy:
If you recover another driver who’s run out of time in your own car,you drive truck back,he drives your car back ,do you have too have buisness insurance,what exactly is buisness insurance ,what’s wrong with normal car insurance .ta
Yes you do have to have business insurance or have your car covered by your employer for business use as you are doing a journey for business, albeit for your employer.
What is wrong with normal car insurance? Well that is for social use and commuting to a single place of employment. You are using the car for business use for your employer. Normal car insurance doesn’t cover that.
And if you think its not an issue here’s a cautionary tale.
Years ago I used to work for Halfords. I was sent across Hull to pick up a part from a main dealer. At a set of traffic lights I turned right on a green filter and was hit by a nob from the opposite direction jumping the lights. It wrote his ■■■■■■ van off, putting the drivers wheel in the passenger footwell, thats how fast he was going, but thankfully because mine was an old Rover SD1 with steel bumpers it flattened the bumper, creased the wing but was still drivable. It came to light he was test driving the car, only had a provisional and wasn’t insured. Because Halfords covered employees using their cars for company business I was able to get my car repaired (I only had third party on my own insurance) and it didn’t affect my no claims. Had it been on my own insurance without business use, even if I had fully comp I’d have had to fork out for the repairs or lost my car and not been compensated. I could have lied but it would only need the other party to have said I was in my work gear and given the location was where there were a lot of dealerships they’d have figured out it was a business journey and then I’m in a world of crap.
As an aside, I put “single place of employment” in bold for a reason. Agency drivers need business insurance as commuting is classed by pretty much every single insurer as going to a single place of employment. The business insurance add-on to most policies costs nothing as there are different categories and this one, commuting to/from clients, is the lowest rated and usually free.
Thanks Connor
dieseldog999:
Left hand down!:
Personally if I was out of time and didn’t do nights out I wouldn’t give a flying [zb] what insurance was or wasn’t in place on the ‘recovery’ vehicle so long as they got me home. Too many big girls blouses in this industry now flapping over the slightest non-events instead of just cracking on and getting the job done.+1 well said…isn’t it sad to see the way things progress nowadays…
What are you on about ,I wasn’t out of hours ,I was about to leave work but when I heard my mate had run out of hours and they told him they had no- body to do it I said I’d do it,which I did,I drove too his truck in my car,he drove my car back to yard and I drove his truck back,I assumed that was it ,thanks from him,and if I’m stuck he’d get me back .
End of,but then the pulled me up on it,asked if I had buisness insurance ,if I didn’t then I shouldn’t of done it ,and can’t do it again.
That why I asked what are they on about with buisness insurance ,he was recovered,went home,slept in his bed etc etc .
Left hand down!:
Meh. And now back in the real world people just get on with it as there are bigger things to worry about in life.
God how hard are some people to get through too,I recovered HIM ,I’ll say that again I RECOVERED HIM,he drove my car back,I drove the truck back,job done ,he’s happy,I’m pleased I could help a mate out .
But as I’ve no knowledge of buisness insurance ,and what they were on about I asked the question( that’s what this forum is meant to be about ,if you don’t know ask 
)
TheBear:
Coffeeholic:
No idea on the insurance but if he’s ran out of working time, done the 13 or 15 hours available, he can’t be recovered. Doesn’t matter whose car he is driving it counts as other work for the driver’s hours regs.I would imagine there would be some kind of insurance requirement over and above the normal as presumably the company are paying you an allowance for using your car on company business. You wouldn’t be doing it for nothing?
I bet he did lolol cos you can’t do enough for a good boss
Bosses didn’t come into it ,a good mate of mine ,was facing 12 hrs in a layby,with no food,toilet etc ,my only thought was too try and help him out ,get him back ( he’d do the same for me ) ,as for the bosses I wouldn’t ■■■■ on them if they were on fire .
dozy:
as for the bosses I wouldn’t ■■■■ on them if they were on fire .
Why not? You seem quite happy to do just about everything else for them. Have you ever thought you think that way about them is because they run the work so hard because they know you’ll run bent?
Daveyandbev:
You can let anyone drive your car as long as your or his insurance covers third party. It’s nothing to do with business it’s just someone driving your car surely.
Be extremely careful with this. 15 years ago it was fairly common for comprehensive policies to cover the insured to drive other vehickes third party. This has been syopped now by most insurers so it’s something you would have to check.
It’s something I alwyas ask when getting a quote because 6 points for no insurance would see me out of a job.
Yes you are right M1cks, some policies do, some don’t. A few other points to consider: The other vehicle you drive must be otherwise insured. If you are lucky enough to have, say, a 20 grand car, and you let someone else drive it only covered by their 3rd part insurance, its going to create a mighty difficult situation if they write that car off!
Don’t think I’d be spending a night in a lorry in a layby 15 mins from the yard.
It’s all very well some of the bravado talk above, but it aint 1963 any more, its the age of litigation and blame and claim.
Dodgy without the right insurance, and you’d still be on dodgy ground if the chap being ‘recovered’ had run out of overall duty time.
You’d no doubt get away without any business cover in place for years on end doing this every day, then one day the unthinkable accident happens which causes life changing or life ending injuries, thats when you’d better be 100% right on with what you’re doing because the insurer will be looking to wash their hands of a multi million pound claim, which then ends up with you.
Its all very well suggesting lying to a copper about the reason for ‘borrowing’ the car, but be assured if there’s an accident either fatal or life threatening injuries they’ll be examining every detail of your lives, and they’ll suss this little porky in about 5 minutes flat.
Get to court and still lying, hows about perverting the course of justice, say hello to big Ben Dover in the showers at the scrubs.
Your DCPC trainer should have explained all about recovery and the do’s and don’ts.
Driveroneuk:
Yes you are right M1cks, some policies do, some don’t. A few other points to consider: The other vehicle you drive must be otherwise insured. If you are lucky enough to have, say, a 20 grand car, and you let someone else drive it only covered by their 3rd part insurance, its going to create a mighty difficult situation if they write that car off!Don’t think I’d be spending a night in a lorry in a layby 15 mins from the yard.
Some Insurers require the car you’re driving under “Driving other Cars” to hold it’s own Insurance and some Insurers don’t require it to be covered
If its on the road and not otherwise covered, thus not showing on the MID, it will ping ANPR cameras.
dozy:
dieseldog999:
Left hand down!:
Personally if I was out of time and didn’t do nights out I wouldn’t give a flying [zb] what insurance was or wasn’t in place on the ‘recovery’ vehicle so long as they got me home. Too many big girls blouses in this industry now flapping over the slightest non-events instead of just cracking on and getting the job done.+1 well said…isn’t it sad to see the way things progress nowadays…
What are you on about ,I wasn’t out of hours ,I was about to leave work but when I heard my mate had run out of hours and they told him they had no- body to do it I said I’d do it,which I did,I drove too his truck in my car,he drove my car back to yard and I drove his truck back,I assumed that was it ,thanks from him,and if I’m stuck he’d get me back .
End of,but then the pulled me up on it,asked if I had buisness insurance ,if I didn’t then I shouldn’t of done it ,and can’t do it again.
That why I asked what are they on about with buisness insurance ,he was recovered,went home,slept in his bed etc etc .
left hand downs post kinda speaks for itself there?
plus irrespective of rules,time or otherwise,it amazes and appals me why someone would stop 15 mins from base and wait on a recovery…unless it was one of those places that the transport office would approve of it,then theres no point in just getting back. i.e the Tesco pleb who got recovered from his tail lift…same logic to me,but there you go. and just out of curiosity,supposing you did have an accident when bringing him back,why would you open a can of loophole worms to tell the insurance you were doing it on behalf of your work,when if you just keep your mouth shut,nobody would know any different■■?..the insurance dude wont be coming to the crash,and plod don’t need to know either…why would you offer any info like that
Driveroneuk:
If its in the road and not otherwise covered, thus not showing on the MID, it will ping ANPR cameras.
Driving a car that does not hold it’s own Insurance under your Driving other Cars may well ping ANPR cameras but if the your policy does not require the car to hold it’s own Insurance then you as the driver are Insured and not committing any offence.
There are plenty of Insurers who do not stipulate the other car needs it’s own Insurance
Would the other driver not be covered to drive your car under your own company insurance policy? I know our company policy basically says any vehicle and any driver as long as they hold the correct licence.
thecouch:
Driveroneuk:
If its in the road and not otherwise covered, thus not showing on the MID, it will ping ANPR cameras.Driving a car that does not hold it’s own Insurance under your Driving other Cars may well ping ANPR cameras but if the your policy does not require the car to hold it’s own Insurance then you as the driver are Insured and not committing any offence.
There are plenty of Insurers who do not stipulate the other car needs it’s own Insurance
If the car does not have its own insurance then it must be SORN
A SORN car cannot be driven on the road
ROG:
thecouch:
Driveroneuk:
If its in the road and not otherwise covered, thus not showing on the MID, it will ping ANPR cameras.Driving a car that does not hold it’s own Insurance under your Driving other Cars may well ping ANPR cameras but if the your policy does not require the car to hold it’s own Insurance then you as the driver are Insured and not committing any offence.
There are plenty of Insurers who do not stipulate the other car needs it’s own Insurance
If the car does not have its own insurance then it must be SORN
A SORN car cannot be driven on the road
The big con here is that to SORN you need to relinquish the VED at the same time what a balls ache.
My lad let his insurance run out by 16 days - car was at a garage awaiting repair + he wanted to wait till just after his 21st as the insurance came down by 600 squids …
ROG:
thecouch:
Driveroneuk:
If its in the road and not otherwise covered, thus not showing on the MID, it will ping ANPR cameras.Driving a car that does not hold it’s own Insurance under your Driving other Cars may well ping ANPR cameras but if the your policy does not require the car to hold it’s own Insurance then you as the driver are Insured and not committing any offence.
There are plenty of Insurers who do not stipulate the other car needs it’s own Insurance
If the car does not have its own insurance then it must be SORN
A SORN car cannot be driven on the road
If you drove someone else’s vehicle under your driving other vehicles that did not hold it’s own insurance, providing your own insurance did not require it to hold it’s own insurance (Many many Insurers do not require it to hold it’s own cover) you would not be committing an offence and would be covered for Insurance.
The registered keeper could be in trouble under Continuous Insurance law or Sorn but you as a driver would not have committed an offence.
thecouch:
ROG:
thecouch:
Driveroneuk:
If its in the road and not otherwise covered, thus not showing on the MID, it will ping ANPR cameras.Driving a car that does not hold it’s own Insurance under your Driving other Cars may well ping ANPR cameras but if the your policy does not require the car to hold it’s own Insurance then you as the driver are Insured and not committing any offence.
There are plenty of Insurers who do not stipulate the other car needs it’s own Insurance
If the car does not have its own insurance then it must be SORN
A SORN car cannot be driven on the roadIf you drove someone else’s vehicle under your driving other vehicles that did not hold it’s own insurance, providing your own insurance did not require it to hold it’s own insurance (Many many Insurers do not require it to hold it’s own cover) you would not be committing an offence and would be covered for Insurance.
The registered keeper could be in trouble under Continuous Insurance law or Sorn but you as a driver would not have committed an offence.
that part of the law was changed years ago couch .any vehicle must have its own insurance. the policy for that vehicle then states the driver qualifications ie age etc
nick2008:
thecouch:
ROG:
thecouch:
Driveroneuk:
If its in the road and not otherwise covered, thus not showing on the MID, it will ping ANPR cameras.Driving a car that does not hold it’s own Insurance under your Driving other Cars may well ping ANPR cameras but if the your policy does not require the car to hold it’s own Insurance then you as the driver are Insured and not committing any offence.
There are plenty of Insurers who do not stipulate the other car needs it’s own Insurance
If the car does not have its own insurance then it must be SORN
A SORN car cannot be driven on the roadIf you drove someone else’s vehicle under your driving other vehicles that did not hold it’s own insurance, providing your own insurance did not require it to hold it’s own insurance (Many many Insurers do not require it to hold it’s own cover) you would not be committing an offence and would be covered for Insurance.
The registered keeper could be in trouble under Continuous Insurance law or Sorn but you as a driver would not have committed an offence.
that part of the law was changed years ago couch .any vehicle must have its own insurance. the policy for that vehicle then states the driver qualifications ie age etc
If you’re referring to the driving other cars extension then there is no law relating to it that has been changed or even applies (Except the standard parts of the RTA). As I keep restating there are plenty of Insurers who still do not require the other vehicle to hold it’s own Insurance.
You as a driver are not committing an offence if you drive another vehicle under your driving other cars extension if the other vehicle does not hold it’s own insurance and your own Insurer does not specify it must have it’s own Insurance. Any offence under Continuous Insurance or Sorn is committed by the registered keeper
I can show you plenty of Insurers who do not require the other car to hold it’s own Insurance when driven under DOC, I can also show you (Private Car) Insurers who provide comprehensive cover when you’re driving other cars under their policy which even extends to named drivers on the policy.
The statement that the other car must have hold it’s own Insurance is an urban myth that’s been around for decades, there are (now) a fair few Insurers who require it but there are still plenty of mainstream Insurers who do not require it. This is similar to the urban myth that your car insurance is invalid if you don’t have a valid MOT, that is absolute 'ollocks
Feel free to try and point me legislation you’re referring to as if you’re talking about driving other cars then you’re wrong.
thecouch:
nick2008:
thecouch:
ROG:
thecouch:
Driveroneuk:
If its in the road and not otherwise covered, thus not showing on the MID, it will ping ANPR cameras.Driving a car that does not hold it’s own Insurance under your Driving other Cars may well ping ANPR cameras but if the your policy does not require the car to hold it’s own Insurance then you as the driver are Insured and not committing any offence.
There are plenty of Insurers who do not stipulate the other car needs it’s own Insurance
If the car does not have its own insurance then it must be SORN
A SORN car cannot be driven on the roadIf you drove someone else’s vehicle under your driving other vehicles that did not hold it’s own insurance, providing your own insurance did not require it to hold it’s own insurance (Many many Insurers do not require it to hold it’s own cover) you would not be committing an offence and would be covered for Insurance.
The registered keeper could be in trouble under Continuous Insurance law or Sorn but you as a driver would not have committed an offence.
that part of the law was changed years ago couch .any vehicle must have its own insurance. the policy for that vehicle then states the driver qualifications ie age etc
If you’re referring to the driving other cars extension then there is no law relating to it that has been changed or even applies (Except the standard parts of the RTA). As I keep restating there are plenty of Insurers who still do not require the other vehicle to hold it’s own Insurance.
You as a driver are not committing an offence if you drive another vehicle under your driving other cars extension if the other vehicle does not hold it’s own insurance and your own Insurer does not specify it must have it’s own Insurance. Any offence under Continuous Insurance or Sorn is committed by the registered keeper
I can show you plenty of Insurers who do not require the other car to hold it’s own Insurance when driven under DOC, I can also show you (Private Car) Insurers who provide comprehensive cover when you’re driving other cars under their policy which even extends to named drivers on the policy.
The statement that the other car must have hold it’s own Insurance is an urban myth that’s been around for decades, there are (now) a fair few Insurers who require it but there are still plenty of mainstream Insurers who do not require it. This is similar to the urban myth that your car insurance is invalid if you don’t have a valid MOT, that is absolute 'ollocks
Feel free to try and point me legislation you’re referring to as if you’re talking about driving other cars then you’re wrong.
+1 correct… if it says any car other than 1 hired to you etc,then your covered as far as plod etc goes…moreso if you have a trade policy…mine just says,any car belonging to me,or in my custody or control ,hence I can be legal in anything.cost me £600 but its worth it if you have a few toys ,campervans etc. part time trader,no premises,no public liability etc…hppy days all round,and 100% legal