Quick buying a car insurance question

[joebongo]

If I buy a car for my wife, put her name on the documents etc., and I have insurance which allows me to drive 3rd party on any car I don't own, then I'm thinking that makes it ok for me to drive it home and then sort her insurance out.

Anything wrong with my thinking?

[Alfachick]

I think that the car that you are driving 3rd party has to be insured somehow as well.

[edo]

for you to drive any other car on your insurance 3rd party, that car must be insured by someone in its own right, so no.

[joebongo]

Evevn if it's off their forecourt onto my drive so no parking on a road without insurance or anything?

[Jonboy_t]

The car definitely has to be insured in some way first - you are effectively tagging yourself onto the bottom of the existing insuree's (<word?) policy.

[hombrepaulo]

Been discussed many a time before and it appears that there is no hard and fast rule for this.
You will need to speak to your insurers to find out.

[joebongo]

I'm with esure and called them, they're in the process of changing it to spouse/partner included but mine only says cars I own so I am covered they say. It will likely have the spouse restriction next year when I renew apparently.

Obviously if I left it on a public road etc I wouldn't be covered but they said just take the cert with me for the journey.

Thanks guys. BTW - it's a Nissan Primera estate auto I may be buying her for town and baby duties, but it's cheap and allegedly high on reliability (and has a reverse camera for her to hopefully limit the scrapes).

[Deva Link]

Jonboy_t said:

The car definitely has to be insured in some way first - you are effectively tagging yourself onto the bottom of the existing insuree's (<word?) policy.

Completely wrong. And the driver would be driving it on their own policy, even if the car already had insurance.

OP - why can't you pre-arrange the insurance? You obviously realise the cover is 3rd party - how gutted would you be if it crashed on the way home? And if the car doesn't already have insurance, then expect a lot of hassle if you get pinged by an ANPR equipped police car.

[SS2.]

joebongo said:

If I buy a car for my wife, put her name on the documents etc., and I have insurance which allows me to drive 3rd party on any car I don't own, then I'm thinking that makes it ok for me to drive it home and then sort her insurance out.

Maybe, maybe not.

The only way to be certain is to check the wording of your policy documentation very carefully. If in doubt, make a call to your insurer.