Which insurance applies?
Discussion
A friend borrowed my car and used his DOC cover (as mine doesn't cover him). He had an incident with a parked car. Knocked on their (house) door and gave his and his insurance details.
Now they have made a claim via their own insurers which has come through to me via my insurers.
Am I right that his DOC cover will take precedence over my insurance and pay out?
Other than giving the details of my friend and his insurance to my insurance company, is there anything else I should do?
Cheers
Bert
Now they have made a claim via their own insurers which has come through to me via my insurers.
Am I right that his DOC cover will take precedence over my insurance and pay out?
Other than giving the details of my friend and his insurance to my insurance company, is there anything else I should do?
Cheers
Bert
LoonR1 said:
DOC applies. Ring your insurers and explain who was driving and give them his full insurance details. Your friend is picking up the repair bill for your car I assume, as his DOC will be TPO cover.
Yes spoken to them this evening and will get friend's full details to give them tomorrow.Yes understood about the DOC being TPO, but not planning charging for the t-cut required (a rather trivial incident)!
Thanks
Bert
They've only come to your insurers as they are the noted insurers under the MID. An explanation by your insurers saying the driver wasn't covered under your policy and was driving under his DOC extension, plus details of his insurers, should solve it.
If he is covered to drive under your policy, then his DOC will not apply and you cannot choose to use it.
If he is covered to drive under your policy, then his DOC will not apply and you cannot choose to use it.
What's the definition of third party?
In respect of the insured the owner of the car he hit is a third party and the owner of the car he is driving is a third party.
I can only assume that policy documents are clearly drafted to exclude the owner of the borrowed car from the 'third party' class.
In respect of the insured the owner of the car he hit is a third party and the owner of the car he is driving is a third party.
I can only assume that policy documents are clearly drafted to exclude the owner of the borrowed car from the 'third party' class.
LoonR1 said:
DOC applies. Ring your insurers and explain who was driving and give them his full insurance details. Your friend is picking up the repair bill for your car I assume, as his DOC will be TPO cover.
You can get fully comp DOC, just took it out 5 minutes ago, think it cost an extra £20 per year.johnfm said:
What's the definition of third party?
In respect of the insured the owner of the car he hit is a third party and the owner of the car he is driving is a third party.
I can only assume that policy documents are clearly drafted to exclude the owner of the borrowed car from the 'third party' class.
YesIn respect of the insured the owner of the car he hit is a third party and the owner of the car he is driving is a third party.
I can only assume that policy documents are clearly drafted to exclude the owner of the borrowed car from the 'third party' class.
nikaiyo2 said:
LoonR1 said:
DOC applies. Ring your insurers and explain who was driving and give them his full insurance details. Your friend is picking up the repair bill for your car I assume, as his DOC will be TPO cover.
You can get fully comp DOC, just took it out 5 minutes ago, think it cost an extra £20 per year.I know some top end High Net Worth policies offer this as part of their policy, but I've never heard of an insurer offering fully comp DOC add ons.
LoonR1 said:
Really? In the UK? Who with?
I know some top end High Net Worth policies offer this as part of their policy, but I've never heard of an insurer offering fully comp DOC add ons.
Certainly not in that category I know some top end High Net Worth policies offer this as part of their policy, but I've never heard of an insurer offering fully comp DOC add ons.
it was with Adrian Flux, but not on a specialist car, it was for my Abarth so no agreed value or classic or anything, just standard fully comp with business use.
Well bugger me
https://www.adrianflux.co.uk/drive-any-car-insuran...
Limited to £20,000 worth of damage but I'm impressed.
https://www.adrianflux.co.uk/drive-any-car-insuran...
Limited to £20,000 worth of damage but I'm impressed.
LoonR1 said:
Well bugger me
https://www.adrianflux.co.uk/drive-any-car-insuran...
Limited to £20,000 worth of damage but I'm impressed.
I really rate Adrian Flux, have used them for years and years and years, I always have to ring them and chip the quote a bit, but when i had an accident they were brilliant compared to some of the other ones https://www.adrianflux.co.uk/drive-any-car-insuran...
Limited to £20,000 worth of damage but I'm impressed.
I just spent 10 minutes trying to get an image captured from my .pdf policy renewal showing it... but failed.
LoonR1 said:
Well bugger me
https://www.adrianflux.co.uk/drive-any-car-insuran...
Limited to £20,000 worth of damage but I'm impressed.
Indeed. That solves a problem for me.https://www.adrianflux.co.uk/drive-any-car-insuran...
Limited to £20,000 worth of damage but I'm impressed.
I'll ring 'em later, but - thanks for that.
<re-read>, <edit>... Oh, bumhats. No, it doesn't... It's ONLY an add-on for existing DOC. I want DOC... None of my policies have it. Anybody got any suggestions there?
akirk said:
as i understand it when I spoke to Adrian Flux - you have to insure your car with them first - then it is an extra £20 for fully comp DOC...
sadly they couldn't give me what I needed the other way (fully comp any driver on my car) so went elsewhere...
So who gave you a fully comp any driver policy on your car? sadly they couldn't give me what I needed the other way (fully comp any driver on my car) so went elsewhere...
Rick101 said:
Good info and glad it's only a minor shunt.
A lot of people don't realise that DOC is usually just TPO cover. I'm imagine it would be a difficult situation if you wrote a friends new car off.
I won't DOC unless in an emergency.
I know someone who drove his mate's then brand-new XJ220 for a weekend under his (TPO only) DOC extension. Now that's what you call a trusting mate!A lot of people don't realise that DOC is usually just TPO cover. I'm imagine it would be a difficult situation if you wrote a friends new car off.
I won't DOC unless in an emergency.
LoonR1 said:
akirk said:
as i understand it when I spoke to Adrian Flux - you have to insure your car with them first - then it is an extra £20 for fully comp DOC...
sadly they couldn't give me what I needed the other way (fully comp any driver on my car) so went elsewhere...
So who gave you a fully comp any driver policy on your car? sadly they couldn't give me what I needed the other way (fully comp any driver on my car) so went elsewhere...
Hiscox
akirk said:
LoonR1 said:
akirk said:
as i understand it when I spoke to Adrian Flux - you have to insure your car with them first - then it is an extra £20 for fully comp DOC...
sadly they couldn't give me what I needed the other way (fully comp any driver on my car) so went elsewhere...
So who gave you a fully comp any driver policy on your car? sadly they couldn't give me what I needed the other way (fully comp any driver on my car) so went elsewhere...
Hiscox
LoonR1 said:
That makes no sense. Either it's fully comp for any driver, or it's fully comp for all the named drivers. You can't define cover as "for all who need it" unless it's an any driver policy.
I am not going to go into details on a public forum, but yes it does make sense - it is a specialist insurance policy Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff