Insurance question

[delboy735]

My eldest has his own car, he is fully comp insured, and I just wondered if his insurance would cover him on my car without him being a named driver. I thought that if he was fully comp, then he can drive any other vehicle ( with the owners consent ) but with 3rd party cover only.
Can anybody confirm this please ?

Many thanks.

[Toni896]

you need to check his policy, some allow it some dont.
also age comes into it, older than 21/25.

[CharlesW]

This is usually the case. Check his insurance. If it is the case, it will state that he is covered third party to drive any other car. If this is not stated specifically, then he is not covered to drive any other car.

[delboy735]

Never thought about that one. Thanx for the info.

[Uncle Wonko]

It is normal for a policyholder to be able to drive another's car and be insured under his own policy. Cover is restricted to third party only. This has been part of British insurance for over 40 yrs. The reason behind it is to allow cover in emergency circumstances.

No need to check the policy. Look at your certificate. That will confirm it one way or the other and in plain English.

[Superunknown]

I checked my policy to find in small print on the 3rd page that I am NOT permitted to drive any other car under my insurance. Worth checking carefully!

[Dwight VanDriver]

Precisely S

Used to be blanket COD in the old days but Insurance Companies are tightening the screws and a number have withdrawn that particular permission.

dvd

[andyps]

But you might be able to get it if you ask your insurer. I didn't have it when I was with First Alternative until I asked about it, they checked and the reason I was not covered was that the online form I filled in to get the insurance did not provide them enough information about my job to decide whether to offer it or not. Once explained what I did they added it on with no extra cost.

[tigger1]

Depends on policy, as stated.

My old policy changed once I hit 25, so I could then drive any other (fully insured) car with 3rd party cover under my insurance. Useful only for legal reasons. if you're planning to drive comething, even only occasionally, it might only be buttons to get added to a 12 month policy - and gives much more peace of mind.