Yet another insurance question... but more legal advice required

[Robbie8666]

OK question for you all,
my car is insured for me & mrs fully comp
her car is insured for her & me fully comp
her insurances states that other drivers holding Fully comp insurance on another vehicle can drive hers 3rd party
her mum & step dad over from states, for a month, where they have a car fully comp
can her mum drive mrs car?
on the face of it mrs thinks they can, however i think cuz they have USA insurance it not valid in UK
i'm not letting her drive mine!!
I told Mrs to check with her insurance company lol
whats the concensious

[BBROWN1664]

They aren't insured.

Unless their US insurance company will cover them, and you will need it in writing, then you will need to add them to your policy as named drivers.

[stevierst]

Not worth it to be honest! If plod stop them driving your car, they'll be done for no valid insurance unless they can prove in writing there and then on the spot. That means car seized, £200 fine (if they still have uk licences) and 6 points!!!

Or worst case scenario, heaven forbid, they have a bump. Then your in a whole new world of pain!

Just add them to your policy as named drivers, I'm sure it won't cost the earth.

[BBROWN1664]

:agree

Add to that, if they get stopped and they cannot prove there and then they are covered by their own insurance, YOU will be done for aiding and abetting (I kid you not) and you will get the points on your licence too for the offence of no insurance. The only way out for you is to say they did not have permission to drive the car and they then get done for TWOC as well.

My father in law had to make this choice when my brother in law borrowed his car one day and had a shunt.

[JoeRock]

Try just ringing up your insurance company and ask them? It shouldn't really be an issue - they've both got full US licenses which are good to use in the UK, so all they need to do it bring a proof of their insurance?

Either that, or get them to ring their insurance company and enquire if it covers them driving other vehicles, specifically in the UK?

[Robbie8666]

thanks fellow fockers, this is exactly what i thought but wanted more advise before I spoke to Mrs & ma-in-law!! lol

[chaz]

If you let them drive your car and they are not insured, your insurance company would still have to pay any claim  made but then the insurance company would sue you for the amount, so I believe.

[BIG MAC]

However do ask if your insurers will take them on risk for a given period say 30 days it may not be that expensive

[lew600fazer]

Contact your insurance company , they will add them to your insurance policy. Then they will increase your premium + then charge you a further £25.00 for change of details. Insurance companies just love to assist there loyal customers by screwing them for as much as they can. Would not be at all surprised if they then bill you again when they go back home to the states as they will have to change the policy details again and of course there will be a further Admin fee.

[Dead Eye]

What about temporary / short duration insurance? Would it not be easier to simply purchase that for however long the in-laws are over? The only thing I'm not sure about is whether they accept foreign licences

[Robbie8666]

mother in law holds full UK Licence incl bike but I aint having her ride my Fazer!!
just found out that they going to scotland to her brothers for next 7 days so I can check over Mrs's insurance at weekend.
cheers for advice folks

[locksmith]

Contact your insurance company , they will add them to your insurance policy. Then they will increase your premium + then charge you a further £25.00 for change of details. Insurance companies just love to assist there loyal customers by screwing them for as much as they can. Would not be at all surprised if they then bill you again when they go back home to the states as they will have to change the policy details again and of course there will be a further Admin fee.

I suspect Lew is right here, getting them put on your insurance will no doubt invoke further charges than the initial amount they will quote

[slappy]

When my sons fiance came over from Ireland for  two weeks I put her on my car insurance so she could drive to job interviews.One phone call to aviva and £32 later it was done. Considering she is only 22 years old and been driving for two years I thought it was quite reasonable.

[Robbie8666]

well Mrs rang insurance and added her mum to policy, cost £25 there should've been an admin charge but they got that knocked of because of discounts etc.

mother-in law would not accept that she wasn't covered up to that point n got a right shitty on when i refused to let her drive my car! even after i tried to explain that i could also get fined & points and If i lost my licence then i lose my job!! still not letting her drive my car though! lol

Thanks to everyone for there input & advice

Happy Christmas fellow foccers