**Warning - Admiral/Elephant Insured Lease/PCH Car Owners**
Discussion
trashbat said:
Sheepshanks said:
I've never seen "privately owned". However you do need the owners permission, which would usually be difficult with a company or leased car.
Mine says:'The Insured whilst driving any private motor car not their property or hired to them'
Curiously, it seems to give my named drivers the ability to drive any car, without necessarily having it on their own policies.
trashbat said:
O/T but I've tried in the past to find out whether this allows me to drive trade-insured garage loaner cars (free, so no 'hire' element IMO) but getting this confirmation out of the insurer is like getting blood out of a stone.
LV= allow that on exactly the same terms as the insured vehicle, so anyone named on the policy can drive. It needs to be the insured vehicle that is in the garage, you can't use it randomly on courtesy cars.
trashbat said:
Out of interest, how old are you OP?
Just wondering, if say under 25, whether their risk profile has changed and you've wound up outside it.
Im 32, so no longer a young whipper snapper Just wondering, if say under 25, whether their risk profile has changed and you've wound up outside it.
Re: just going on my gf's policy, im on there, but being added to my family (4 other cars), & friends policies prior to going home to Cornwall/track days/collecting new cars/for test driving new sheds is a right faff!!!
Max, ive told them to listen to the phone call & explain to me why i wasnt informed. From my perspective, its not the end of the world, as my Mini's policy allows me to drive any car 3rd party anyways, it was more of an informative post, so people dont get caught out when Admiral dont make them aware of the changes ...!
Edited by Sir_Dave on Monday 26th January 15:03
Sheepshanks said:
I would say it doesn't as "the insured" is likely to mean policyholder.
You're right, I thought it applied to the named drivers directly above, but now I see that 'The Insured' is used elsewhere to refer to me alone.Sheepshanks said:
trashbat said:
O/T but I've tried in the past to find out whether this allows me to drive trade-insured garage loaner cars (free, so no 'hire' element IMO) but getting this confirmation out of the insurer is like getting blood out of a stone.
LV= allow that on exactly the same terms as the insured vehicle, so anyone named on the policy can drive. It needs to be the insured vehicle that is in the garage, you can't use it randomly on courtesy cars.confused_buyer said:
Sheepshanks said:
I've never seen "privately owned". However you do need the owners permission, which would usually be difficult with a company or leased car.
Admiral says:1b. Driving other cars
If you are 25 or over and qualify under this section, cover is for the policyholder only
and is third party only, while driving a private motor car within our territorial limits. Your
current Certificate of Motor Insurance will say if you have this cover.
You will be covered for everything listed in clause 1a when you are driving any other car
as long as:
¦¦ your current Certificate of Motor Insurance says so
¦¦ you hold a valid Driving Licence and are not disqualified
¦¦ the other car is not owned by you, a rental car, nor hired to you under a hire
purchase or leasing agreement
¦¦ you have the owner’s permission to drive the car
¦¦ there is a valid insurance policy in force for that car
¦¦ you are not covered by any other insurance to drive it
¦¦ you still have your car and it has not been damaged beyond repair, stolen nor sold
Their definition of a "private car" is:
A privately owned motor car manufactured to carry up to eight
passengers, which is designed solely for private use and has not
been constructed or adapted to carry goods or loads.
Clear as mud I'd agree, but I know it doesn't cover courtesy cars for example as I've had customers check and it doesn't.
My word watching some posters struggle to grasp and understand the perfectly well communicated and really very simple concept the OP was trying to get across has been funny. It's like a s
t comedy sketch of people deliberately misunderstanding each other, except it's not deliberate.
A good heads up though, lots of people don't check their documents and would assume they still had this cover in place. Frustrating not to be offered it as a paid extra too. I have been told on the phone that they only intend it for occasional/emergency use but it has been very useful to me in the past.
t comedy sketch of people deliberately misunderstanding each other, except it's not deliberate.A good heads up though, lots of people don't check their documents and would assume they still had this cover in place. Frustrating not to be offered it as a paid extra too. I have been told on the phone that they only intend it for occasional/emergency use but it has been very useful to me in the past.
jon- said:
Is this the new wording or the old?
Just been looking at this too, it's from the current (latest pdf) document on their website - http://www.admiral.com/existing-customers/motor-po... Had a look through the amendments too, but no changes to the wording.confused_buyer said:
Clear as mud I'd agree, but I know it doesn't cover courtesy cars for example as I've had customers check and it doesn't.
The call centres will tell you it's not covered because they err on the side of least risk, but there's nothing in that wording that would allow them to deny cover if all the conditions were met.Sheepshanks said:
The call centres will tell you it's not covered because they err on the side of least risk, but there's nothing in that wording that would allow them to deny cover if all the conditions were met.
A courtesy car doesn't apparently meet their definition of a "privately owned car" so it isn't covered. At least that is what customers who have checked have told me.I hate it when insurers change a quite important term on their policies, but don't let you know at renewal time. It has happened with cover on my home insurance policy before.
Always worth checking when the renewal papers come through for changes. It takes a few minutes, but can save heartache and money should anything unfortunate happen.
Always worth checking when the renewal papers come through for changes. It takes a few minutes, but can save heartache and money should anything unfortunate happen.
confused_buyer said:
A courtesy car doesn't apparently meet their definition of a "privately owned car" so it isn't covered. At least that is what customers who have checked have told me.
Hmmm...I think they're really stretching things as they've added "owned" into the definition to expand it, when if that's what they mean it should be in the main condition itself.I know there have been issues with DOC when people have used it for vans hence the restriction to private cars. "Private" is a taxation class.
Roo said:
Rude-boy said:
Of course all should also be very aware that it is only operative if there is also a valid policy in force on the car (ie the owner has it insured for their use)
Nope.tr7v8 said:
Roo you're wasting your time, people keep regurgitating this crap despite being told not to!
I'm confused (in many ways). Which is the crap?In the case of Admiral, the car you're driving clearly has to be insured elsewhere for the DOC cover to be valid. Others may not put this condition.
confused_buyer said:
Admiral says:
1b. Driving other cars
If you are 25 or over and qualify under this section, cover is for the policyholder only
and is third party only, while driving a private motor car within our territorial limits. Your
current Certificate of Motor Insurance will say if you have this cover.
You will be covered for everything listed in clause 1a when you are driving any other car
as long as:
¦¦ your current Certificate of Motor Insurance says so
¦¦ you hold a valid Driving Licence and are not disqualified
¦¦ the other car is not owned by you, a rental car, nor hired to you under a hire
purchase or leasing agreement
¦¦ you have the owner’s permission to drive the car
¦¦ there is a valid insurance policy in force for that car
¦¦ you are not covered by any other insurance to drive it
¦¦ you still have your car and it has not been damaged beyond repair, stolen nor sold
Their definition of a "private car" is:
A privately owned motor car manufactured to carry up to eight
passengers, which is designed solely for private use and has not
been constructed or adapted to carry goods or loads.
Clear as mud I'd agree, but I know it doesn't cover courtesy cars for example as I've had customers check and it doesn't.
Doesn't sound like it's a problem. You can drive another vehicle as long as the other vehicle isn't leased/hired to you. It is not excluding 3rd part cover on other vehicles just because your own vehicle is leased.1b. Driving other cars
If you are 25 or over and qualify under this section, cover is for the policyholder only
and is third party only, while driving a private motor car within our territorial limits. Your
current Certificate of Motor Insurance will say if you have this cover.
You will be covered for everything listed in clause 1a when you are driving any other car
as long as:
¦¦ your current Certificate of Motor Insurance says so
¦¦ you hold a valid Driving Licence and are not disqualified
¦¦ the other car is not owned by you, a rental car, nor hired to you under a hire
purchase or leasing agreement
¦¦ you have the owner’s permission to drive the car
¦¦ there is a valid insurance policy in force for that car
¦¦ you are not covered by any other insurance to drive it
¦¦ you still have your car and it has not been damaged beyond repair, stolen nor sold
Their definition of a "private car" is:
A privately owned motor car manufactured to carry up to eight
passengers, which is designed solely for private use and has not
been constructed or adapted to carry goods or loads.
Clear as mud I'd agree, but I know it doesn't cover courtesy cars for example as I've had customers check and it doesn't.
confused_buyer said:
tr7v8 said:
Roo you're wasting your time, people keep regurgitating this crap despite being told not to!
I'm confused (in many ways). Which is the crap?In the case of Admiral, the car you're driving clearly has to be insured elsewhere for the DOC cover to be valid. Others may not put this condition.
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