Insured on other vehicles
Discussion
I recently renewed my insurance (at vast expense) with unnamed supermarket who use red and blue in their logo.
When I asked if I was entitled to drive other vehicles under a Fully Comprehensive policy, (or even Third Party for that matter,) they responded that it was in fact illegal for under 25's to be given such a privilege.
I am wondering whether this is true. If it is, there are a considerable number of people I know of who are happily contributing to the uninsured statistics on our roads, completely oblivious to this law.
Was this another sneaky law change under the
Bliar to incriminate a further law abiding sector of the population? 
I should point out at this point that I can find no specific mention of it in the
terms and conditions of the policy.
PH legal verdict please?
When I asked if I was entitled to drive other vehicles under a Fully Comprehensive policy, (or even Third Party for that matter,) they responded that it was in fact illegal for under 25's to be given such a privilege.
I am wondering whether this is true. If it is, there are a considerable number of people I know of who are happily contributing to the uninsured statistics on our roads, completely oblivious to this law.
Was this another sneaky law change under the
Bliar to incriminate a further law abiding sector of the population? I should point out at this point that I can find no specific mention of it in the
terms and conditions of the policy. PH legal verdict please?
May not be company policy (and, hell, they can impose whatever conditions they can get you to agree to!) but not to be confused with "law".Also bear in mind that "Fully Comprehensive" does not mean "Fully Comprehensive and also insured to drive other vehicles".
Unless your policy explicitly states you are insured (3rd party or otherwise) to drive other vehicles then you are not covered.
Always seemed remarkably straight forward to me, but I know lot of people who seem to think it is an automatic benefit of fully comp. insurance.
On another note, my grandfather always insured his cars "any driver" / "any driver over age 21" until he stopped driving in the early nineties. Does such cover still exist in this day and age?
Unless your policy explicitly states you are insured (3rd party or otherwise) to drive other vehicles then you are not covered.
Always seemed remarkably straight forward to me, but I know lot of people who seem to think it is an automatic benefit of fully comp. insurance.
On another note, my grandfather always insured his cars "any driver" / "any driver over age 21" until he stopped driving in the early nineties. Does such cover still exist in this day and age?
As said before, there is no such law. It is their conditions, the driving other vehicals (even if only third party insured with them), providing the vehical is not owned by you, your over 25, not used for business purposes, and you are not in the motor trade.
The cover only extends to the policyholder, not any named drivers.
The cover only extends to the policyholder, not any named drivers.
UpTheIron said:
Also bear in mind that "Fully Comprehensive" does not mean "Fully Comprehensive and also insured to drive other vehicles".
Unless your policy explicitly states you are insured (3rd party or otherwise) to drive other vehicles then you are not covered.
Always seemed remarkably straight forward to me, but I know lot of people who seem to think it is an automatic benefit of fully comp. insurance.
On another note, my grandfather always insured his cars "any driver" / "any driver over age 21" until he stopped driving in the early nineties. Does such cover still exist in this day and age?
Hence why I made the point that I was checking for either type of cover. Although i agree that its a common misconception that Fully Comprehensive would be just that!
With regards to "any driver insurance", I was insured on an ice cream van (insert laugh here) during a summer holiday on such a policy, (at age 19). Using student maths skills - that's about 3 years ago.
UpTheIron said:
On another note, my grandfather always insured his cars "any driver" / "any driver over age 21" until he stopped driving in the early nineties. Does such cover still exist in this day and age?
It sure does - I had it on my last car, as it was cheaper then adding my sister with 3 points onto the same policy...
JagwireXKR said:
some stuff earlier
Hence why I made the point that I was checking for either type of cover. Although i agree that its a common misconception that Fully Comprehensive would be just that!
Sorry Tom, was making a general point - didn't mean to suggest you under said miconception...
Mines a 99, btw. Bet they cost more than 99 these days though...
UpTheIron said:
On another note, my grandfather always insured his cars "any driver" / "any driver over age 21" until he stopped driving in the early nineties. Does such cover still exist in this day and age?
I have that on what is really my wife's car, but it's registered and insured in my name, with wifey noted as main user. It's insured for any driver, any age (daughter under 21) and for business use by me & wife. It does cover me (TP) to drive other cars.
It's with CIS (Co-op) and I liked the very simple policy document, the low excess and the protected NCB - no matter how many accidents you have! She had a little bump (£350) and they handled it as smoothly a very smooth thing.
However I've just had the renewal and at £750 for a Jazz it's just too much this year.
Oldest daughter (22) has her own car insured fully Comp with Admiral and the Cover note states that she is not covered to drive other cars.
>> Edited by bobbins on Tuesday 25th January 20:32
My dad insured his car any driver over 21.... until i turned 21 and he took out a different policy 
My insurance states that i can drive any vehicle third party with the owners consent (so i'm not insured when i go twocing 
) It also states that this only applies to over 25s which is fair enough. In a away it is law, owing to the fact that you made a legally binding contract with the insurers and that was one of the contract conditions. To be fair the only people i know who will let me drive their cars third party drive sheds! Anyone with a decent car and a brain won't let it on the road except onder fully comp!
My insurance states that i can drive any vehicle third party with the owners consent (so i'm not insured when i go twocing ) It also states that this only applies to over 25s which is fair enough. In a away it is law, owing to the fact that you made a legally binding contract with the insurers and that was one of the contract conditions. To be fair the only people i know who will let me drive their cars third party drive sheds! Anyone with a decent car and a brain won't let it on the road except onder fully comp! Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff