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.
Thanks for all the replies.
To whoever asked, yes it is an RAC policy.
I asked more out of interest then anything else, I have no plans to drive an uninsured car not owned by me. I already have DOC cover through another policy anyway.
I share the same view as several on here that ringing the insurance company is no guarantee of getting an accurate answer. I may give it a try and ring several times to see if I get varying answers!
The sections I quoted are from the certificate, so I will check the rest of the policy wording as see if it gives any more detail.
Thabks for that link in the post above to a case which touches on this subject, in that case the judges clearly found that the wording in my policy DOES cover me to drive another car regardless of whether it has its own policy in place or not.
To whoever asked, yes it is an RAC policy.
I asked more out of interest then anything else, I have no plans to drive an uninsured car not owned by me. I already have DOC cover through another policy anyway.
I share the same view as several on here that ringing the insurance company is no guarantee of getting an accurate answer. I may give it a try and ring several times to see if I get varying answers!
The sections I quoted are from the certificate, so I will check the rest of the policy wording as see if it gives any more detail.
Thabks for that link in the post above to a case which touches on this subject, in that case the judges clearly found that the wording in my policy DOES cover me to drive another car regardless of whether it has its own policy in place or not.
caziques said:
It's when questions like this come up that I am thankful to be living in New Zealand, possibly the only semi civilised country where you don't need insurance.
Frankly I don't bother anymore, and haven't for a number of years.
With various business vehicles and family ones there are something like a dozen floating around - I just grab the best vehicle for the journey.
But note, everyone in NZ is covered for personal injury under all circumstances - car insurance is ONLY for cars not people.
Interesting, what would happen if you hit a very expensive car if it was your fault? Would you have to fork out for repairs or is it upto the owner of the very expensive car to have it insured?Frankly I don't bother anymore, and haven't for a number of years.
With various business vehicles and family ones there are something like a dozen floating around - I just grab the best vehicle for the journey.
But note, everyone in NZ is covered for personal injury under all circumstances - car insurance is ONLY for cars not people.
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