How would you define this? DOC "for emergency use only"

[Powerfully Built Company Directors Secretary]

Now, before anyone jumps on the usual "it doesn't say emergency use only" bandwagon, hear me out!

So it's that time of year for shopping around and whilst finding a new policy for my Dads car, I got a quote from a company I've not heard of before.

Whilst going through the quote page, it offers an upgrade to the driving other cars section included on the policy. For £29.99, he can have comprehensive driving other cars up to £20k/£500 excess BUT it says underneath the price:

"The Vehicle must be used for emergency use only."

No definition is given so I read the policy wording for the cover and it says the cover is valid providing the use of the vehicle is momentary and not regularly used. It defines momentary as:

"Something that is momentary lasts for a very short period of time. To use the
vehicle in a momentary capacity is to use for a short period of time that is not
often or on a continuous basis."

Now, to me, this is deliberately vague. My definition of shory period of time will be different to yours, and possibly to the insurers.

So, how would you read this? It would be handy for him to have, but would hate for him to have a claim rejected for driving the car for 2 hours once because that's (in their eyes) not momentary.

[AB]

I always thought it was intended for moving a car if nobody else can do it, if someone became ill etc etc.

i.e. not borrowing someones car because you need milk and yours is broken.

It is vague though.

[paul_c123]

We would need to see sample wording on the insurance certificate, since this ultimately determines whether they're insured or not for RTA compliance.

If the insurance offered anything over and above that, it would depend on the wording of the T&Cs, and they would need to be reasonable.

[Powerfully Built Company Directors Secretary]

paul_c123 said:

We would need to see sample wording on the insurance certificate, since this ultimately determines whether they're insured or not for RTA compliance.

If the insurance offered anything over and above that, it would depend on the wording of the T&Cs, and they would need to be reasonable.

Sadly I don't have that to hand as we haven't proceeded but if we do I'll get it.

The "Something that is momentary lasts for a very short period of time. To use the
vehicle in a momentary capacity is to use for a short period of time that is not
often or on a continuous basis." Is directly from the policy wording itself, with no other wording to clarify it. I think it's deliberately vague, as one persons momentary/short period of time could be anothers absolutely ages!