Drive other cars extension question...
Discussion
My policy states I have DOC extension, I have copied word for word the 2 relevant sections of the policy here. My question is, does the 'other car' have to have it's own insurance policy in place?
Paragraph 5
Mr OP may also drive with the owners permission a motor car that is
not owned by or registered to, or hired, rented or leased to, them, their business partner
or their employer, or is being kept or used in connection with their or their employer's
business.
Driving other cars:
If paragraph 5 above allows a driver to drive a car not belonging to them or hired by them, the cover for
that car will be limited to Section 1 of the policy - Liability to others. They will not be covered for any loss
or damage to the car they are driving.
Paragraph 5
Mr OP may also drive with the owners permission a motor car that is
not owned by or registered to, or hired, rented or leased to, them, their business partner
or their employer, or is being kept or used in connection with their or their employer's
business.
Driving other cars:
If paragraph 5 above allows a driver to drive a car not belonging to them or hired by them, the cover for
that car will be limited to Section 1 of the policy - Liability to others. They will not be covered for any loss
or damage to the car they are driving.
Hi said:
My policy states I have DOC extension, I have copied word for word the 2 relevant sections of the policy here. My question is, does the 'other car' have to have it's own insurance policy in place?
Paragraph 5
Mr OP may also drive with the owners permission a motor car that is
not owned by or registered to, or hired, rented or leased to, them, their business partner
or their employer, or is being kept or used in connection with their or their employer's
business.
Driving other cars:
If paragraph 5 above allows a driver to drive a car not belonging to them or hired by them, the cover for
that car will be limited to Section 1 of the policy - Liability to others. They will not be covered for any loss
or damage to the car they are driving.
Is this a RAC / Zenith Policy?Paragraph 5
Mr OP may also drive with the owners permission a motor car that is
not owned by or registered to, or hired, rented or leased to, them, their business partner
or their employer, or is being kept or used in connection with their or their employer's
business.
Driving other cars:
If paragraph 5 above allows a driver to drive a car not belonging to them or hired by them, the cover for
that car will be limited to Section 1 of the policy - Liability to others. They will not be covered for any loss
or damage to the car they are driving.
Does it have any additional wording relating to DOC in the actual Policy Booklet (Generally under the "Liability to Other" section)
If the 2 paragraphs you have posted are all the relevant parts of your policy and certificate then there is no requirement for the vehicle to have its own insurance for you to be covered.
The CIE regulations, which some have mentioned, are not applicable as they make it an offence for the keeper of the vehicle not to have insurance if the vehicle is not SORN'd. This requirement is completely separate to the requirement under s143 RTA for a driver to be covered by a policy of insurance to use a motor vehicle on a road or other public place.
Cat
The CIE regulations, which some have mentioned, are not applicable as they make it an offence for the keeper of the vehicle not to have insurance if the vehicle is not SORN'd. This requirement is completely separate to the requirement under s143 RTA for a driver to be covered by a policy of insurance to use a motor vehicle on a road or other public place.
Cat
SS2. said:
wjb said:
Yeah, pretty sure the other car needs to be insured.
If the policy holder's documentation doesn't stipulate it, then it's not a requirement.TwigtheWonderkid said:
Absolutely right. If the other car isn't insured in its own right, in then probably won't be taxed either so shouldn't be driven, so the OP is leaving himself open to problems on that front, but his DOC insurance will still be valid.
It could be the other way around. Taxed but not insured so the OP is ok to drive but the RK is in trouble.Bert
TwigtheWonderkid said:
Absolutely right. If the other car isn't insured in its own right, in then probably won't be taxed either so shouldn't be driven, so the OP is leaving himself open to problems on that front, but his DOC insurance will still be valid.
Unless its being taken for a prearranged MOTBertBert said:
TwigtheWonderkid said:
Absolutely right. If the other car isn't insured in its own right, in then probably won't be taxed either so shouldn't be driven, so the OP is leaving himself open to problems on that front, but his DOC insurance will still be valid.
It could be the other way around. Taxed but not insured so the OP is ok to drive but the RK is in trouble.Bert
ZiggyNiva said:
TwigtheWonderkid said:
Absolutely right. If the other car isn't insured in its own right, in then probably won't be taxed either so shouldn't be driven, so the OP is leaving himself open to problems on that front, but his DOC insurance will still be valid.
Unless its being taken for a prearranged MOTMonkeylegend said:
Hi, the only definitive answer you will get will be from your insurance company not a bunch of amateur insurance experts on the internet.
There have been multiple instances where a poster on here has been given utterly guff information from an insurance call centre drone.The documentation is all that matters - if it's not written down, then it doesn't apply.
SS2. said:
Monkeylegend said:
Hi, the only definitive answer you will get will be from your insurance company not a bunch of amateur insurance experts on the internet.
There have been multiple instances where a poster on here has been given utterly guff information from an insurance call centre drone.The documentation is all that matters - if it's not written down, then it doesn't apply.
Monkeylegend said:
Hi Hi, the only definitive answer you will get will be from your insurance company not a bunch of amateur insurance experts on the internet.
Give them a call
No need to give them a call, they can say what they want, but the T&C are black and white, if there is nothing to say, i once called my insurer to see if they could add my father in law's car to my policy as a temporary vehicle while he was away, they weren't able to, i asked them if i was still covered to drive it 3rd party, they said no the drive any vehicle cover was for emergencies only, i asked them to tell me where that was specified in the policy, they couldn't because it was total bks. Give them a call
Monkeylegend said:
It's the interpretation that counts, and I would rather believe my insurance company than a know all on the internet
Interpretation doesn't come into it - either it's written in black and white, or it isn't.For this reason, I'd always place greater reliance on my policy documentation rather than verbal advice I may have received from my insurer.
That's not being a know-all, it's just plain old common sense.
Highway Insurance states
Highway said:
Driving other cars – What is not covered : Use of a private motor car unless there is a current and valid policy of insurance in force for the vehicle being driven under this Section.
So I would assume that if not explicitly stated then not applicable.Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff