driving other vehicles extension
Discussion
Apologies if this is covered elsewhere but I couldn't find it.
Anyway, cutting a long story short, my father has offered me use of his car. I need to know if I am actually insured to use it. The car in question has fully comp insurance. As do I. The only reference I have managed to find in the documents I have says this.
"The driving of other cars extension is not included for any driver named on the policy".
Now I have read this in two different ways.
1. I simply do not have the driving other cars extension, therefore it would be illegal for me to borrow my fathers car
2. Named drivers on the policy aren't covered but I, being the policy holder, am covered by the driving other cars extension
Any insight or clarification on which interpretation is correct would be greatfully received.
Anyway, cutting a long story short, my father has offered me use of his car. I need to know if I am actually insured to use it. The car in question has fully comp insurance. As do I. The only reference I have managed to find in the documents I have says this.
"The driving of other cars extension is not included for any driver named on the policy".
Now I have read this in two different ways.
1. I simply do not have the driving other cars extension, therefore it would be illegal for me to borrow my fathers car
2. Named drivers on the policy aren't covered but I, being the policy holder, am covered by the driving other cars extension
Any insight or clarification on which interpretation is correct would be greatfully received.
simoid said:
I'd be surprised if your name wasn't on your own insurance policy 
That's the first option I was going off elsewhere on the policy I am considered the Policy Holder, and named drivers are just that, named drivers. It just seems to be written ambiguously. Of course I am probably just reading into it what I want to read.
Blayney said:
Apologies if this is covered elsewhere but I couldn't find it.
Anyway, cutting a long story short, my father has offered me use of his car. I need to know if I am actually insured to use it. The car in question has fully comp insurance. As do I. The only reference I have managed to find in the documents I have says this.
"The driving of other cars extension is not included for any driver named on the policy".
Now I have read this in two different ways.
1. I simply do not have the driving other cars extension, therefore it would be illegal for me to borrow my fathers car
2. Named drivers on the policy aren't covered but I, being the policy holder, am covered by the driving other cars extension
Any insight or clarification on which interpretation is correct would be greatfully received.
The car does not have fully comp insurance, the policy holder (i.e. your father) does. Even if you did have cover to drive other cars, you will only be covered for 3rd party liability. So don't prang your father's pride and joy! Might be best to be added as a named driver on his policy.Anyway, cutting a long story short, my father has offered me use of his car. I need to know if I am actually insured to use it. The car in question has fully comp insurance. As do I. The only reference I have managed to find in the documents I have says this.
"The driving of other cars extension is not included for any driver named on the policy".
Now I have read this in two different ways.
1. I simply do not have the driving other cars extension, therefore it would be illegal for me to borrow my fathers car
2. Named drivers on the policy aren't covered but I, being the policy holder, am covered by the driving other cars extension
Any insight or clarification on which interpretation is correct would be greatfully received.
Even if you do have the DOC extension,don't forget that damage to your dad's car won't be covered if you smash it. It's 3rd party cover only. (I'll be happy to be corrected on this and pointed towards someone who offers what would, in effect, be fully comp on another car.)
Edit to ask where I can also get lessons to improve my typing speed?
Edit to ask where I can also get lessons to improve my typing speed?
Grenoble said:
mrmr96 said:
Option 1.
Also, phone them and check - despite what will inevitably be posted below, ASKING YOUR INSURER IS THE ONLY WAY TO BE SURE.
Also, phone them and check - despite what will inevitably be posted below, ASKING YOUR INSURER IS THE ONLY WAY TO BE SURE.
As he said. Ignore other advice, only the issuing insurer can tell you....
The woring on the document he has could indeed be interpreted either way. Never ceases to amaze me how sloppy some wordsmiths can be.
Don't just rely on what some call centre jockey says on the dog and bone either. The Pryor case is ample confirmation of what can result from that! Ask for written confirmation of the answer to the following question "Do I, the policyholder, have DOC cover - Yes or No?" OP - file the insurer's letter with your other docs.
mjb1 said:
The car does not have fully comp insurance, the policy holder (i.e. your father) does. Even if you did have cover to drive other cars, you will only be covered for 3rd party liability. So don't prang your father's pride and joy! Might be best to be added as a named driver on his policy.
Ah yes, that is what I meant to say. I guess that I too am guilty of poorly written work 
As for the other posters, thanks again I will get it in writing.
daz3210 said:
Alternatively, get your Dad to ring his insurer and enquire about putting you on his policy.
My Aunt did this recently. 1 week was £25, to the end of the policy was £0, for a visiting friend who's own car broke down. Might be less than you expect.
I regularly do this on my Mum's and sister's policies, normally about £15-20 a day or a pound more for a week.My Aunt did this recently. 1 week was £25, to the end of the policy was £0, for a visiting friend who's own car broke down. Might be less than you expect.
Nick1point9 said:
daz3210 said:
Alternatively, get your Dad to ring his insurer and enquire about putting you on his policy.
My Aunt did this recently. 1 week was £25, to the end of the policy was £0, for a visiting friend who's own car broke down. Might be less than you expect.
I regularly do this on my Mum's and sister's policies, normally about £15-20 a day or a pound more for a week.My Aunt did this recently. 1 week was £25, to the end of the policy was £0, for a visiting friend who's own car broke down. Might be less than you expect.
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