To think it’s fine to drive uninsured if it’s just a short distance?

[MourningEveryone]

My car has a flat tyre. My dad wanted me to borrow my mum’s car to drive home in, rather than one of them having to give me a lift. I’m not insured to drive her car. However he says it would be fine as it’s only a very short distance.

I refused, saying this would be against the law. He’s now not speaking to me. AIBU?

Many fully comp policies do not cover you for other cars, please don’t assume that they do unless it is specified. www.confused.com/car-insurance/guides/driving-other-cars-on-your-car-insurance

You're right of course. The car or the road or anyone else driving doesn't know You're driving a short distance and an accident came happen far away from home or just around the corner. There's no logic there. They'll have to get over it.

YABU.. it's not legal.

Your thread title does not correspond with your original post! It's very confusing @MourningEveryone

Your Dad is wrong. Driving with no insurance is a criminal offence and if found guilty carries a fine & penalty points However imagine if you had an accident & wrote another car off or even worse injured / killed someone !
Not all policies allow the policy holder to drive another vehicle 3rd party so don’t just assume .

A lot of companies have stopped covering this as standard

No, I wouldn’t. No one with a conscience would. You have no right to. You can have an accident anywhere, and cause life-changing injuries to someone else.

@jetadore Wow there is always one and I guess your the one, Idiotic to drive uninsured at any point. No matter where you are or how far, its easy to have an accident at any point and who is going to pay for the damage if you cause an accident?

Low risk of not, it’s a risk to other people.

As has been mentioned there are temporary insurance companies such as Veygo (underwritten by Admiral) etc that you can get insurance on someone else's car for an hour or up to 60 days. Just takes a few minutes to fill out the details and pay. Always good to know these things. It is a separate policy that wouldn't affect the main full policy holder on the car if there was an accident.

This is used by lots of learner drivers too, my child included, to be able to drive my car as a learner but also covers drivers with a full license too.

Could use the same argument for drink driving. Both are illegal and if there were an accident, it could wind someone in prison for killing or injuring an innocent party, potentially even if the illegal driver was not at fault. Why take the risk? It’s bonkers.

It’s always okay to break the law if you give no fucks about the consequences.

It's why you pay for breakdown cover!

I wouldn't have, and I don't the most would have. if you have your own car and are fully comp, then you can drive other peoples.....

No it isn’t right and you know this, your dad is wrong.
Also not all insurers allow vehicles insured by them to be driven under third party cover by other insurers.
So anyone contemplating this needs to check they will be covered. My daughter wanted to drive my car when hers was off the road, her insurance said she’d be covered to drive it but on checking my policy it clearly stated the car couldn’t be driven by a driver other than those named on the policy. “The policy does not cover third party by other insurers”
I had her added to my policy for a week until her car was fixed.

I wouldn't drive uninsured anywhere, nope.

• “Does not allow third party cover by other insurers”

No you couldn’t. Drink driving actually increases the risk of an accident. Just not being insured doesn’t.

I once heard that statiscally you are most likely to have an accident within 2 miles of your house than anywhere else.

Why?

Because you think you are safe and pay less attention to the road because you know it well and its especially true if you are tired.

Its one thats always made me wary particularly at the end of a long journey. It makes me remember that you aren't 'safe' until your engine is off and you are stationary at home.

Being banned isn't the only worst case scenario though is it.

It's not just about being caught.

You take your eye off the road for two seconds because you are sneezing and rear end a Porsche - who's paying for that? For that matter, even if you are involved in a non-fault incident, you need to exchange insurance details.

Please tell your dad (and yourself) that 'most people' absolutely wouldn't think it's ok to drive a meter uninsured.

To make up with my friend? We argued two months ago and haven’t spoken since. I tried to apologise but was already blocked…

Stop taking advice from your dad 🙈

In fact when he gives you advice, just do the opposite.

Risk of accident = low
x
Impact of accident / getting pulled over etc = very high

Which gives a prohibitive risk assessment overall, to most people.

The statistics show that most accidents happen near to home so not as low risk as you think.

Obviously I agree you shouldn’t drive uninsured Op.

I also think it’s now quite unusual for fully comp to insure you on other people’s cars. It’s not standard usually on fully comp these days.