If anyone is thinking of selling....

Michael · Post by **Michael** » Tue Nov 28, 2006 1:41 am

....and you feel you have a love hate relationship with your Lotus....?

As a few of the guys here already have, I'd recommend you get a cheap-as-chips run around.

It will probably deepen your appreciation of the ethos of the Lotus and you'll begin to completely ignore the foibles..like they dont exist...!! It gives you such better perspective. Some of us young uns who spoilt themselves by getting one early having not driven that many other cars may relate to this

Having the additional runaround is relatively cheap...if you just drive it under the fully comp insurance of your Lotus, and you have an extra parking space. almost zero depreciation too! £50-100/year if you want!

Every time I see and sit in the Lotus now it it feels like such an event...

If your getting hassle from the wife, the runaround may help her appreciate it too!

Enjoy!

robin · Post by **robin** » Tue Nov 28, 2006 8:58 am

Agreed!

But my insurance says I can drive any other car not owned by me and not rented to me (well one of the policies still says this - the others exclude it now), so how do you drive your banger on the same policy (or do you off-road the Elise?).

Cheers,
Robin

Lawrence · Post by **Lawrence** » Tue Nov 28, 2006 9:56 am

A policy allowing the driving of another car usually requires that car to have it's own standard road cover and so it is only yourself that is covered as a driver. Motor traders etc have slightly more freedom but only for short periods.

The insurance details of nearly every car is now available immediately to the bib via the insurance database and so can trigger with the ANPR systems now in place.

Post by **simon** » Tue Nov 28, 2006 9:57 am

You cannot drive another car owned by yourself on another of your car's insurance policies. Even if it did allow that, the cover is intended for emergency type situations, not a daily drive. If you crash it, you might find you're not covered.

Derek · Post by **Derek** » Tue Nov 28, 2006 10:19 am

And how do you tax the 2nd car if 'the car' is not insured?

RDH · Post by **RDH** » Tue Nov 28, 2006 10:22 am

Put the insurance in your Mum or Dads name - generally they have lower premiums - then pay the costs over to them! then Robert's your mothers brother!

The_Rossatron · Post by **The_Rossatron** » Tue Nov 28, 2006 10:47 am

I'll hopefully be getting my old 1380 Mini Cooper back soon!

Post by **simon** » Tue Nov 28, 2006 1:57 pm

RDH wrote:Put the insurance in your Mum or Dads name - generally they have lower premiums - then pay the costs over to them! then Robert's your mothers brother!

Not allowed either and if you crash it you'll probably find your premium invalidated. The only way to do it is get 3rd party cover, it's pretty cheap anyway

RDH · Post by **RDH** » Tue Nov 28, 2006 2:12 pm

simon wrote:
RDH wrote:Put the insurance in your Mum or Dads name - generally they have lower premiums - then pay the costs over to them! then Robert's your mothers brother!
Not allowed either and if you crash it you'll probably find your premium invalidated. The only way to do it is get 3rd party cover, it's pretty cheap anyway

Not strictly true- if a vehicle is insured - by anybody - and I have the owners permission to drive it - under my policy I am covered for 3rd party - which when we're talking about a £500 shed - that's all you need!

PhilA · Post by **PhilA** » Tue Nov 28, 2006 2:49 pm

i used to have my elise on the AON policy (which i still have to phone up about since the claim was settled) and the focus with tesco.

2 separate policies.

i was in 2 minds with the cars...

i got the same feeling - getting back into the elise from the focus made it such and event

but, also, driving the elise lots made me more comfortable with it (not the right word, but will do) and i enjoyed driving it more.

/wanting another elise soon faction, once i get the house stuff sorted!

Michael · Post by **Michael** » Tue Nov 28, 2006 5:05 pm

RDH sums it up pretty well

RDH · Post by **RDH** » Tue Nov 28, 2006 5:10 pm

Michael wrote:RDH sums it up pretty well

Andy G · Post by **Andy G** » Tue Nov 28, 2006 6:44 pm

so the car is insured by someone else (i.e. another policy) and you drive it covered by your third party cover then.

Michael · Post by **Michael** » Tue Nov 28, 2006 6:55 pm

The 2nd car can be registered to someone else(your dad), is therefore not "your own". Your fully comp on the Lotus will therefore cover it.

Im sure we can all restrict our use of the runaround for emergency use anyway...eg. excessive salt on the roads for the Lotus, erm, rain/poor visibility...having to park in a dodgy area...etc, etc

Post by **simon** » Tue Nov 28, 2006 7:09 pm

Michael wrote:The 2nd car can be registered to someone else(your dad), is therefore not "your own". Your fully comp on the Lotus will therefore cover it.

Not sure how you think you can explain your way out of that should you crash it. Not worth the risk and if someone doing this crashed into me, I'd be rather p!ssed off with them.

Also, the thing where you add yourself to your parent's policy is bollocks and insurance companies are aware of it and will shaft you if you do it.