**Warning - Admiral/Elephant Insured Lease/PCH Car Owners**

[Sir_Dave]

Just a quick heads up, as of last month, Admiral have removed the ability for you to drive other peoples cars 3rd party if the registered owner of the car is a leasing company. So that means all the crazy bargain 330d/M135i/Golf R's with Leaseplan/Network/Arval etc etc ...

There is NO WAY to add it onto the policy either, & they dont mention the change anywhere on their website/during quotation telephone calls. You only find out when your insurance certificate appears, then its a nice £25 to cancel the policy if you dont like it!!

This is no doubt going to cause quite a few people all types of issues when they dont check their insurance certificates properly, borrow their mates/gfs cars (or test drive a car via private sale) and get in trouble for driving with no insurance ...

Edit - this change appears to be Admiral only. Elephant are still offering 3rd party cover.

Edited by Sir_Dave on Tuesday 27th January 08:15

[Sir_Dave]

No, you've both missed the point. My car is from Leaseplan, i insure it, Admiral Group are now saying they wont allow people who have leasecar to drive any other car 3rd party, be it leased/owned whatever. So i cant drive my missus car on my policy etc.

Wording is as follows: "The driving of other cars extension is not included for any driver named on this policy"

This is because the car i am insuring, is owned by Leaseplan.

Nice of them to charge 25% more than last year (new premiums for lease cars), then remove some of the cover

Edited by Sir_Dave on Monday 26th January 13:57

Edited by Sir_Dave on Monday 26th January 14:09

[Sir_Dave]

trashbat said:

Anyway that wording is not new; see for example: http://www.pistonheads.com/Gassing/topic.asp?h=0&a...

I know the wording is not new, but THIS IS A POLICY CHANGE from Admiral Group, that they are not making people aware of. Last year, i had the same car, insured with the same company, & i was able to drive other cars 3rd party.

Now, i am not.

I have also called them re: named drivers on the policy (as there are 2 others), but it relates to all, including the policy holder. My car is leased, so i cannot drive other cars without being specifically added onto their own policies/or getting day cover.

[Sir_Dave]

Exact wording as per my certificates of insurance.

Previous wording from Admiral/Elephant/Bell/Diamond:
"The Policyholder may also drive with the consent of the owner a private motor car not belonging to him/her and not hired to him/her under a Hire Purchase Agreement, within our territorial limits, providing there is a valid insurance policy in force on that car"

New wording from Admiral/Elephant/Bell/Diamond:
"The driving of other cars extension is not included for any driver named on this policy"

[Sir_Dave]

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

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

[Sir_Dave]

Sheepshanks said:

The likelihood is that the OP is wrong, so that shows it isn't a very simple concept.

You asked for the exact wording, i posted it, what else do you want, a tin of custard next to my insurance certificate?

[Sir_Dave]

Sheepshanks said:

You only posted a small part of it. If that's the only part that's relevant then it's very confusing as you're not a named driver, you're the policyholder.

Named drivers are always excluded from DOC so the wording could be regarded as a clarification of that.

Fair enough, no Birds though im afraid (im at work), however:

Old policy with Elephant (March 14-Jan 15)
.

New policy with Admiral (Jan 15 onwards)
.
Both policies are based on exactly the same info, car is a PCH through Leaseplan.

Edited by Sir_Dave on Tuesday 27th January 08:21

[Sir_Dave]

Sheepshanks said:

Fair enough, thanks.

Wonder what their reasoning is for doing this? I bet half the people with lease cars don't even think to mention that they're not the owner/RK.

Exactly, seems that a few in this thread dont know the difference either lol.

If the car is on a personal contract hire/lease, the leasing company is the registered keeper on the V5, hence why all parking tickets/speeding fines go to them first. If it is a PCP/HP/Cash etc, you are on the V5 as registered keeper, hence you get the fines instead.

GoneAnon said:

Why do you think the change of terms (dropping the "driving other cars" bit) has anything to do with the funding method used for the car? And how would Admiral KNOW how you chose to pay for the car?

I bought the policy online for £379, they sent me the insurance certificate, i noticed that i was down as the "registered owner" not "leaseplan" as its their car. Called Admiral, they relieved me of an additional £105 as the car is owned by a leasing company and sent me a new certificate. I then noticed that this excluded the "driving other cars 3rd party" clause, so called back to be informed that as my car is leased, i cannot drive other vehicles.

The thread was started to inform others about this, so they are not caught out uninsured when driving a friends cheap snotter down to the shops instead of their own car.

GoneAnon said:

I am not aware of ANY leasing or finance company that will allow their asset (the car) to be insured on a third-party only basis so why would they allow someone who isn't even a party to their agreement to borrow the car with that level of cover? If there was to be a big incident I'd expect the finance company to be onto their customer to make good the loss VERY quickly and I don't think that it would be a good career move for the employee who had handed their company car keys to their mate!

You've missed the point by so far that i was tempted to post a whoosh parrot.

My car is fully insured, those who drive it will be fully insured as named drivers.

I cannot drive my friends snotter 3rd party anymore.

Edited by Sir_Dave on Monday 26th January 18:16

[Sir_Dave]

Aviz said:

Chatting to a guy at work. He's got the same change in his admiral policy. Nothing to do with a lease car though. His is all paid for.

I can bring this discussion to a close now as well.

Having spoken to 3 separate people at Admiral last night, then 2 at Elephant, the change is with Admiral. My ins certificates were different between the car being owned/leased as well, so definitely worth checking!

The staff at Admiral all claimed that it was group wide policy when pushed (they didnt mention the 3rd party thing until i asked specifically). But having also spoken to someone a bit higher up the food chain at Elephant, it is an definitely a recent Admiral change of policy - Elephant still offer driving other cars 3rd party if the car is leased, so i've gone back to them instead.

No doubt ill be charged for both both policies now and have another argument with them

[Sir_Dave]

essayer said:

My Admiral renewal has just come through and I still have DOC with the same terms as last year, but my car isn't leased.

Fantastic, thanks for confirming that it is specifically a lease issue, as i originally thought