Driving someone else's car question

[guru]

Hi all, as far as I know its the CAR and not the person that's insured in TRNC, so am I correct in thinking that I can drive a friends' TRNC registered car with their permission?

If so, do I, or the owner of the car, have to do anything or inform anyone? I heard that the owner should give me a covering letter giving me permission to drive it so if this is the case, do I need to keep this letter on me at all times in case I am stopped by the Polis?

Many thanks.

[greengate]

I let my brother in law drive my car here without a problem. I was advised to write a covering letter (naming him & giving permission) which should be carried in the vehicle (with associated documents) The insurance company were advised, and they noted his name/licence details only.
He was stopped once, but the police were happy with situation.

You should note, that if an offence is photographed with new cameras, details of prosecution/fine etc will be sent to vehicle owner, not the driver. This may complicate matters if licence points are to be issued.

[guru]

Thank you for the info greengate

[laptawrinkly]

Will also add, check the car you are borrowing is not named drivers only on the insurance, or other limits for drivers, otherwise you may find yourself driving the car, uninsured!

[snd1966]

All cars have government insurance, it's the fully comprehensive that can be named drivers or any driver.
If you are involved in an accident the police will request the owner to present themselves.

[forestpixie]

A covering letter is a must, we included phone number of owner as well. Make sure its signed and dated.

[laptawrinkly]

Snd1966, not sure that is 100% correct. Both our cars are 3rd party only, and both are for 2 x named drivers only. No one else is insured driving our cars unless they use their own policy for temp' driving of another car.

[snd1966]

Snd1966, not sure that is 100% correct. Both our cars are 3rd party only, and both are for 2 x named drivers only. No one else is insured driving our cars unless they use their own policy for temp' driving of another car.

That may explain the difference in premium for what has always been explained as government insurance.
Thank you

[benjaminbutton]

I was not permitted to have fully Comp. because my Mitsubishi was nearly 11 years old at the time. Something else to take into consideration.

[alphamike]

I've heard of that happening BB once a car is over a certain age. On my last car which was pretty old, my insurance company allowed me to have compulsory due to the excellent condition of the car, and probably because I'd been with the same insurance company for years and not made a claim. They did say they normally don't give comp cover to cars over a certain age. I've had my current car for 4-5 years now, so can't remember the finer details.

[benjaminbutton]

AM some banks/insurance companies stretch a point, mine did by one year i.e. 11 years from 10, but they won't do it again, later this year.