Car insurance didn't know that

the black fox

the black fox

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Jeff
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due to my lad buying his first car ,I have just found out that your no longer covered to drive someone else's car third party even if you have fully comp on your own car ,in fact both drivers could be done for no insurance .
It seems these days you have to be down as a named driver on the other policy or your own . They make these changes and keep them quiet .no more jumping in the wife's ,sons,daughters etc car even with there permission your probably not covered unless it's actually stated on your own policy
 
I'm sure your policy will say something along those lines.
 
Yup. Been like that for years. The other vehicle often also has to be insured on its own policy by someone else to stop people insuring a boring car then spending all their time in some high performance one. I make sure I have DOC on my policy just in case. I don't use it much though.
 
Mine still allows me to drive other cars (third Party) on my policy. Although it is more specific than it used to be. My daughters policy on the other hand does not allow here to drive any other vehicles. So may well be tied up with age and insurance provider.
 
the black fox said:
due to my lad buying his first car ,I have just found out that your no longer covered to drive someone else's car third party even if you have fully comp on your own car ,in fact both drivers could be done for no insurance .
It seems these days you have to be down as a named driver on the other policy or your own . They make these changes and keep them quiet .no more jumping in the wife's ,sons,daughters etc car even with there permission your probably not covered unless it's actually stated on your own policy
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You are (typically) covered for other cars if you are over 25.

This is how I ended up with an IN10 on my licence many moons ago, everyone assumed I was covered on other cars (even the PC I did my producer to) but it turned out I wasn't.
 
I think that insurance nowadays is so tightly worded that you have to assume you're not covered unless it specifically says you are. It can also change without any real notice, so it's up to you to check at renewal time.
 
I'm insured to drive somebody else's car and my car is insured to allow un-named drivers to drive it. My excess is more for an un-named driver or a driver under the age of 25, but still covered.

It will largely depend on your insurance company and your age.
 
DOC disappeared off mine a few years ago. I had to go and make sure it was put back. If you don't check every year they often try and get rid of it. It's very under hand to change it without making sure the policy holder is very aware of what they've done.
 
Drive other cars became less common on younger policies to stop drivers buying a small runaround then taking out other cars in the household where there's only 3rd party cover (getting a 1.25l Fiesta then taking out dad's 3l BMW for example). It's usually more available when you turn 25 but some insurers insist you request it even if it adds no additional costs to the policy.
 
Even if your policy has got 3rd party cover on other cars, the small, small print normally states that it's in an "emergency" situation only.

I found this out when my car got stolen and I was going to use my Dad's while he was on holiday insured by my "3rd party on any other vehicle" insurance.

Mentioned that when I was on the phone to Directline and they told me about the "emergency" clause which would be the main driver was unwell/unfit to drive or other such emergency situation.

I can remember that there was no mention of 3rd party cover on my policy until I turned 25
 
and don't forget in means just that "driving" as soon as you park and leave the car it is no longer insured, so if stolen it's not covered
 
neil_g said:
is that really a thing? how could they prove who drove it there?
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They probably couldn't but if the person who insured it was unable to drive for some reason, then they wouldn't need to
 
ecoleman said:
The owner of the vehicle would (or should) be covered for theft.
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Possibly, but the person in charge of the car is the one that has the insurance if they are use DoC, so I wouldn't want to test that one out
Only going on what I was told by an insurance company a couple of years ago, things may have changed as always
 
Gremlin said:
and don't forget in means just that "driving" as soon as you park and leave the car it is no longer insured, so if stolen it's not covered
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It will be covered by the main users insurance. Who used it last is of no consequence.

Although I am covered for 3rd party on any other insured car, I am still a named driver on my son's insurance as it makes his premium cheaper.
 
nilagin said:
Although I am covered for 3rd party on any other insured car, I am still a named driver on my son's insurance as it makes his premium cheaper.
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which is what i did this morning .
 
I'm still covered third party etc only in any other vehicle with the owners permission (of course), but I have to specifically request that cover.
They are sneaky little buggers, aren't they? :bat:

And yes, no matter who drove your car to the destination it reached, so long as it is parked legally, once it is left it is still covered by the main policyholder's insurance.
 
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I USED to be covered for any other vehicle but noticed a few years ago that it now specifies any other CAR, while before that, it covered bikes and vans/pickups as well. To have the cover in other vehicles, said vehicle must be insured in its own right while I'm driving it so I can't drive an otherwise uninsured car.
 
I have DOC on one of my full comp policies, the other does not. The one with DOC does not require the other car to be insured in its own right.

Russ77 said:
Even if your policy has got 3rd party cover on other cars, the small, small print normally states that it's in an "emergency" situation only.

I found this out when my car got stolen and I was going to use my Dad's while he was on holiday insured by my "3rd party on any other vehicle" insurance.

Mentioned that when I was on the phone to Directline and they told me about the "emergency" clause which would be the main driver was unwell/unfit to drive or other such emergency situation.
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There is nothing about any "emergency use" restriction that I can see on my certificate or policy document from Direct Line. That sounds like it was made up by the person in the call centre.
 
nilagin said:
It will be covered by the main users insurance. Who used it last is of no consequence.

Although I am covered for 3rd party on any other insured car, I am still a named driver on my son's insurance as it makes his premium cheaper.
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So if I borrowed your car and drove it under my own insurance, parked it up and it got nicked, would you really want to claim on your policy, with possible loss
of NCB, yes I know you wouldn't lend it out and probably have protected bonus, but just a scenario that could occur.
Just looked at my policy and it says nothing about emergency, copy of the relevant bit

doc_zpsmvwt3kcr.jpg
 
I can drive other cars, but not of family members!!! so guess I am ok then until my wedding.
 
onomatopoeia said:
I have DOC on one of my full comp policies, the other does not. The one with DOC does not require the other car to be insured in its own right.


There is nothing about any "emergency use" restriction that I can see on my certificate or policy document from Direct Line. That sounds like it was made up by the person in the call centre.
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This happened bout 12 years ago
 
How do you tax a car you don't own so you can drive it
 
wack61 said:
How do you tax a car you don't own so you can drive it
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You don't have to be the owner of the car to be the registered keeper, or to tax it or to be insured for it.

You don't even need a driving licence to own a car.
 
Gremlin said:
So if I borrowed your car and drove it under my own insurance, parked it up and it got nicked, would you really want to claim on your policy, with possible loss
of NCB, yes I know you wouldn't lend it out and probably have protected bonus, but just a scenario that could occur.
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I wouldn't want to, but I would have to, if I wanted the value of my car back.
 
viv1969 said:
You don't have to be the owner of the car to be the registered keeper, or to tax it or to be insured for it.

You don't even need a driving licence to own a car.
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You don't need a license to insure one either.
 
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