Insurance question

[Tank Slapper]

My current insurance certificate states that I am insured to drive other vehicles with 3rd party cover. The one for the renewal doesn't. This is with the same company, for TPF&T.

I have just got off the phone to them to query this and they are saying that I am not currently covered, despite what my certificate says.

What would happen if I were to have a crash whilst driving another car, or get a producer? Would they be obligated to honour the certificate, or can they make a change like this mid term?

I'll have to check the schedule when I get home, but I think that it is mentioned there as well.

[Tank Slapper]

She wasn't the brightest. She refused to believe me that the certificate said that. She suggested that I send it back for them to correct - not bloody likely if that's whats on the schedule.

[Tank Slapper]

OK Thanks DVD.

I've checked the schedule, and the clause is included in that as well as on the certificate so hopefully should be OK.

It's a bit of a moot point as the policy expires in a couple of weeks and I'm not likely to need to drive another car in the meantime. I have however found another quote with a different insurer for comprehensive cover, for the same price as the original TPF&T quote. I'm sure they make it up as they go along.

[Tank Slapper]

chrisgr31 said:

So he called his insurance companmy. They said he was not covered to drive another car third party unless it was an emergency situation.

It sounds to me like there are many idiots working at insurance companies. What constitutes an emergency?

Either he's covered or he isn't.