Can I drive any car with fully comp insurance?

[98elise]

Sheepshanks said:

Gad-Westy said:

swagmeister said:

Google "Fronting" and most but not all companies allow you to drive another car WHICH IS NOT OWNED BY YOU - and gives 3rd party cover only.

I'd be surprised if most do. It seems relatively unusual nowadays and those that do often state for emergency use only.

Most do for over 25's. I've never seen it stated that it's for emergency use only.

What's the problem? OP will have 3rd party cover so everyone else is OK. Anyway he'll know he isn't going to crash it himself.

The problem is the rest of us get to pay for the extra risk.

[Sheepshanks]

98elise said:

The problem is the rest of us get to pay for the extra risk.

That's already priced into our DOC cover.

[Sheepshanks]

Gad-Westy said:

Can't remember who my wife is insured with but her's states emergency use only. So she can't drive my car. Which is nice

Some interesting stuff here:

https://www.confused.com/car-insurance/guides/driv...

http://www.telegraph.co.uk/money/consumer-affairs/...

http://www.gocompare.com/car-insurance/cover-to-dr...

It's not interesting, it's nonsense. What matters is what's written in the policy.

[Pericoloso]

ensignia said:

Don't do this ffs.

Just delete your post and be done with it, before the sanctimonious horde arrives.

What would you prefer ?..... The horde telling him it's fine,go right ahead,what could possibly go wrong ?

[Martin350]

I've had fully comp. policies that do not cover me to drive other vehicles, it's not a given and should not be assumed to be.

I've also had fully comp. policies that have allowed me to drive other cars but reading through the t's & c's have stated "emergency use only". So going down the shops or out for a hoon is not covered.

You have to be very careful these days with what you are actually covered for.

[98elise]

Sheepshanks said:

98elise said:

The problem is the rest of us get to pay for the extra risk.

That's already priced into our DOC cover.

Not when you're the main driver of the car in question. The OP does not want to pay into the pool for the risk his profile carries. That has to be made up by the rest of us in the pool.

[JimbobVFR]

Pericoloso said:

ensignia said:

Don't do this ffs.

Just delete your post and be done with it, before the sanctimonious horde arrives.

What would you prefer ?..... The horde telling him it's fine,go right ahead,what could possibly go wrong ?

I'm finding some of the OP bashing on here recently to be quite toxic and incredibly dickish.
However in this case I think it would be entirely justified. That is a fking stupid idea and if the OP goes ahead anyway he deserves everything coming his way. What a tard.

[LuS1fer]

As has been said, it's "fronting".
Many comp policies these days won't allow you to drive other cars but even if you do and you total it, it would cover other cars, not your M3, as it's 3rd party cover.
Servicing and repairing an M3 costs a fortune so if you can't afford to insure and run it then don't.
Why do you even need an M3 at 25? There are plenty of insurable fast hatches out there that will get you there just as fast..

[TooMany2cvs]

LuS1fer said:

As has been said, it's "fronting".

It's not, really.

Fronting would be if he was the main M3 driver, but down as a named driver on his dad's policy.
This is simple abuse of the DOC cover.

[wazztie16]

Sheepshanks said:

Most do for over 25's. I've never seen it stated that it's for emergency use only.

One of the companies I used to be with, I got my quote direct from them, I think they were the ones that had emergency use only in the policy re DOC.

So it definitely exists.

[LuS1fer]

TooMany2cvs said:

LuS1fer said:

As has been said, it's "fronting".

It's not, really.

Fronting would be if he was the main M3 driver, but down as a named driver on his dad's policy.
This is simple abuse of the DOC cover.

Fair point but I got the impression his Dad would never drive it and it would be, to all intents and purposes, his car.
So basic fraud really.

[V8LM]

TooMany2cvs said:

LuS1fer said:

As has been said, it's "fronting".

It's not, really.

Fronting would be if he was the main M3 driver, but down as a named driver on his dad's policy.
This is simple abuse of the DOC cover.

Not even that is it? DOC doesn't apply to cars owned by or leased to the policyholder.

[98elise]

V8LM said:

TooMany2cvs said:

LuS1fer said:

As has been said, it's "fronting".

It's not, really.

Fronting would be if he was the main M3 driver, but down as a named driver on his dad's policy.
This is simple abuse of the DOC cover.

Not even that is it? DOC doesn't apply to cars owned by or leased to the policyholder.

Mine certainly doesn't.

[AJB88]

Flux offered me fully comp cover on other peoples cars as an extra on my insurance this year cost £20 so I took it.

I have driven my parents before covered under 3rd party but nice to know now I'm covered fully comp.

[Muddle238]

A 25 year old with 6 points asking the Internet whether he should commit insurance fraud because he wants an M3... what a bell

[GG89]

You want to be billy big bks but the truth is you can't afford it. How much would you realistically save buying another car, insuring that and then insuring your dad on the M3 (for which you would only be covered third party to drive)

It's pie in the sky stuff, forget it.

[vikingaero]

berlintaxi said:

£40k in cash but not willing to pay £4k for insurance.....odd behaviour.

https://www.pistonheads.com/gassing/topic.asp?h=0&...

Very astute behaviour: Capitalists don't get where they are without looking after the pennies. OP, you have to be ruthless like Alan Partridge.

I'm loving the plan - let us known how it pans out.

[V8LM]

My insurance (5 figures) allows me to drive any other cars fully comp except others in the household, and lets anyone with my permission drive my cars fully comp, except the wife.

Everyone's a winner.

[Mr Tidy]

Muddle238 said:

A 25 year old with 6 points asking the Internet whether he should commit insurance fraud because he wants an M3... what a bell

Yes, cucking funt springs to mind - I'm f*cking fed up with paying for tw*ts like this!

[Paul O]

A bad idea. You are relatively young and must be pretty good at speeding to get all those points. The insurance land sees you as a driving risk from that evidence and want to charge you accordingly - or try and put you off from buying a more powerful car until you are a but older and wiser, depending on your viewpoint. You think otherwise and want to dodge the system. Don't do this.

From Tesco bank:

Fronting will most likely be discovered when a claim is made. If it is the named driver who is involved in a collision, for example, an insurance provider may launch an investigation.

Should the insurer conclude that fronting has occurred, it may refuse to pay for any damage. If a third party was involved, the insurance company would be obliged to cover the cost of the repairs, but may try to recoup its expenses from the policyholder. If the courts become involved, the policyholder may also be charged with fraud.

http://www.tescobank.com/car-insurance/guides/what...