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andrew
5,672 posts
61 months
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Snowboy said: BertBert said: Devil2575 said: No one should be doing 20k miles on DOC cover. If they are then they are taking the piss. Ok, I'll bite  Why? DOC cover is designed to allow people to drive another car in occasional situations. It allows you to borrow someone’s estate to pick up a sofa, use a mates car while yours is in the garage, or drive a drunk mate home in his own car. If you’re doing 20k miles in someone else’s car you should be a named driver on that policy. so where's the limit ?
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Devil2575
4,445 posts
57 months
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andrew said: Snowboy said: BertBert said: Devil2575 said: No one should be doing 20k miles on DOC cover. If they are then they are taking the piss. Ok, I'll bite Why? DOC cover is designed to allow people to drive another car in occasional situations. It allows you to borrow someone’s estate to pick up a sofa, use a mates car while yours is in the garage, or drive a drunk mate home in his own car. If you’re doing 20k miles in someone else’s car you should be a named driver on that policy. so where's the limit ? If you need to ask then you're over it  I'd suggest that anything other than very occaisional use of one offs mean you should be a named driver. I stand to be corrected though.
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Pontoneer
2,562 posts
55 months
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I've used DOC to drive my sister's Golf a couple of times to the south of England and back to collect car parts because her small diesel was much less costly to go in than my V8 gas guzzler . Each trip was about 1000 miles all in , but one trip was last year and the other about three years ago - so really only occasional use even if a couple of thousand miles were covered .
I never felt that I was doing anything wrong .
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LoonR1
12,484 posts
46 months
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As has been posted, it's the car.
If you go over the mileage, then it probably WILL be a problem if you need to claim, equally at renewal if you insure a shiny new car and declare 4000 miles per annum, then announce it has 20,000 on the clock at renewal.
I have limited mileage on all my bikes and the van (only used for transporting a bike to & from trackdays). Last year I was going to exceed the 4000 limit, so extended it to 5000, for a whopping £35. If that's "wallet rape" then then people shouldn't be driving.
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TwigtheWonderkid
6,073 posts
19 months
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Pontoneer said: I've used DOC to drive my sister's Golf a couple of times to the south of England and back to collect car parts because her small diesel was much less costly to go in than my V8 gas guzzler . Each trip was about 1000 miles all in , but one trip was last year and the other about three years ago - so really only occasional use even if a couple of thousand miles were covered .
I never felt that I was doing anything wrong . You're not. My DOC cover says nothing about occasional, emergency, now and then or anything else. Not many people would be happy to drive someone elses car on TPO cover for thousands of miles, in case you damage it. But if you are happy to do that, and the owner is happy, then it's fine. Occasional is a nonsense word anyway for legal purposes. Hayley's comet is occasional, once every 76 yrs, but it's also regular, every 76 yrs. If a comet came round once a year you'd say it was frequent, not occasional. But a headache once a year is occasional, not frequent. It means nothing. My wife says we have sex far too frequenly, once a month. I say it's far too occasional. 
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BertBert
7,068 posts
80 months
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On my last limited mileage policy, it actually said what happened when the limit was exceeded. I can't remember all the details, but certainly the excess increased.
Re DOC, unless your policy says otherwise, there is no limit on how it is used. How can there be? I have seen a policy with DOC cover that actually specified "for emergencies only such as a, b and c". Not seen it anywhere else though.
Bert
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