Driving other peoples cars
Discussion
)Mine does. The only caveat is the other car has to be insured by someone and the owner has to consent (obviously).
It would help if I could remember who the policy is with ... Admiral, maybe? Can check and PM you if it's really important, but it proves the big mainstream insurers do still offer it.
It would help if I could remember who the policy is with ... Admiral, maybe? Can check and PM you if it's really important, but it proves the big mainstream insurers do still offer it.
Lucky you checked before you drove. About ten years ago I owned an MG Midget on a fully comp' policy with the use of other vehicles. When I swapped the car for a B GT the policy was amended but I was not told I was no longer covered to drive other vehicles. When I took my dads car out and was hit head on by a driver overtaking on a blind bend the accident was my fault because I was an uninsured driver. CD10, IN10 on my licence, no fine but a fifty six day ban. I had to take out a loan to pay for the two cars that were writen off, pay for the recovery of both vehicles and the driver who hit me got £16,000 from the M.I.B for an alleged back injury (even though he was seen changing a wheel on his wifes car less than a week later). The M.I.B are still trying to get me to pay them back and their recovery agents add a charge for every letter they send.
An unemployed convicted joy rider who was driving an uninsured "runner" (car bought at auction to get to a car he intended to take) did £30,000 worth of damage to two cars he hit isn't getting any letters from the M.I.B at all.
An unemployed convicted joy rider who was driving an uninsured "runner" (car bought at auction to get to a car he intended to take) did £30,000 worth of damage to two cars he hit isn't getting any letters from the M.I.B at all.
vit4 said:
Sole reason I've stayed insured with Co-op despite Admiral being cheaper.
I'm pretty sure Admiral cover over 25's for DOC. Bell (an Admiral company) definitely do.The Government pressed insurance companies to drop DOC cover a few years ago as they felt it was being widely mis-used. It was only ever intended to be used in emergencies, or, for example, to move a car that was blocking you in. It was never meant to be regularly used to drive other cars.
However a few people got caught out by the cover being dropped and the insurance companies said it wasn't fair that their policy-holders were being caught out, so most of them put it back on again, but generally restricted to over 25's.
Deva Link said:
vit4 said:
Sole reason I've stayed insured with Co-op despite Admiral being cheaper.
I'm pretty sure Admiral cover over 25's for DOC. Bell (an Admiral company) definitely do.The Government pressed insurance companies to drop DOC cover a few years ago as they felt it was being widely mis-used. It was only ever intended to be used in emergencies, or, for example, to move a car that was blocking you in. It was never meant to be regularly used to drive other cars.
However a few people got caught out by the cover being dropped and the insurance companies said it wasn't fair that their policy-holders were being caught out, so most of them put it back on again, but generally restricted to over 25's.
vit4 said:
They all took out insurance on those, but also bought 'proper' cars (RS Turbos and the ilk) and left them uninsured. As long as they didn't park it on the road it was above board when one of them was driving it, he reckoned anyway.
The continuous insurance regs prevent that to some extent now, although someone's granny could own and insure the RS and then let other drivers use it under their DOC cover.Liquid Knight said:
Lucky you checked before you drove. About ten years ago I owned an MG Midget on a fully comp' policy with the use of other vehicles. When I swapped the car for a B GT the policy was amended but I was not told I was no longer covered to drive other vehicles. When I took my dads car out and was hit head on by a driver overtaking on a blind bend the accident was my fault because I was an uninsured driver. CD10, IN10 on my licence, no fine but a fifty six day ban. I had to take out a loan to pay for the two cars that were writen off, pay for the recovery of both vehicles and the driver who hit me got £16,000 from the M.I.B for an alleged back injury (even though he was seen changing a wheel on his wifes car less than a week later). The M.I.B are still trying to get me to pay them back and their recovery agents add a charge for every letter they send.
An unemployed convicted joy rider who was driving an uninsured "runner" (car bought at auction to get to a car he intended to take) did £30,000 worth of damage to two cars he hit isn't getting any letters from the M.I.B at all.
That's a fairly sobering read.An unemployed convicted joy rider who was driving an uninsured "runner" (car bought at auction to get to a car he intended to take) did £30,000 worth of damage to two cars he hit isn't getting any letters from the M.I.B at all.
When I was younger (14years ago) I thought nowt of driving other peoples cars or allowing mates to drive mine. I had 'any driver' insurance in my mums name at the time, and most of my mates and my Dad had the same. When I had a saxo at 18 that came with free insurance which was also 'any driver' and again I let anyone drive it. Do any driver policies even exist these days?
D1bram said:
That's a fairly sobering read.
When I was younger (14years ago) I thought nowt of driving other peoples cars or allowing mates to drive mine. I had 'any driver' insurance in my mums name at the time, and most of my mates and my Dad had the same. When I had a saxo at 18 that came with free insurance which was also 'any driver' and again I let anyone drive it. Do any driver policies even exist these days?
About 10 years ago when our kids were learning on wifey's car we, and most of our friends in the same position, used the Co-op insurance - they had an any driver policy with young drivers declared and that was by far the cheapest way of getting cover. But it leapt up in price dramatically after a few years and we switched to a named driver policy with LV=.When I was younger (14years ago) I thought nowt of driving other peoples cars or allowing mates to drive mine. I had 'any driver' insurance in my mums name at the time, and most of my mates and my Dad had the same. When I had a saxo at 18 that came with free insurance which was also 'any driver' and again I let anyone drive it. Do any driver policies even exist these days?
Funnily enough I did check with the Co-op last year and they said they don't do any driver cover now. LV= will do any driver over 25 but they said it's way more expensive than a named driver policy.
There has clearly been action behind the scenes at the DVLA and the Insurance companies.
These changes are obviously related to the attempts by the DVLA to get all cars in the UK insured. Real problem for classic owners who often omly use cars in the summer.
Quite how a driver is supposed to know if another driver has actually insured a car he borrows I do not know. In reality if your insurance policy allows third party cover on other vehicles I think you would be covered.
But this is becoming a real minefield for motorists in general.
It is however a fact that some drivers have been insuring cheap cars comprehensively and driving other cars including performance cars constantly on the third party cover without insuring the performance cars at all.
Like the current minor collision insurance scams mow being reported the effect will be to cost the motorist more for insurance.
These changes are obviously related to the attempts by the DVLA to get all cars in the UK insured. Real problem for classic owners who often omly use cars in the summer.
Quite how a driver is supposed to know if another driver has actually insured a car he borrows I do not know. In reality if your insurance policy allows third party cover on other vehicles I think you would be covered.
But this is becoming a real minefield for motorists in general.
It is however a fact that some drivers have been insuring cheap cars comprehensively and driving other cars including performance cars constantly on the third party cover without insuring the performance cars at all.
Like the current minor collision insurance scams mow being reported the effect will be to cost the motorist more for insurance.
Steffan said:
There has clearly been action behind the scenes at the DVLA and the Insurance companies.
These changes are obviously related to the attempts by the DVLA to get all cars in the UK insured. Real problem for classic owners who often omly use cars in the summer.
Quite how a driver is supposed to know if another driver has actually insured a car he borrows I do not know. In reality if your insurance policy allows third party cover on other vehicles I think you would be covered.
But this is becoming a real minefield for motorists in general.
It is however a fact that some drivers have been insuring cheap cars comprehensively and driving other cars including performance cars constantly on the third party cover without insuring the performance cars at all.
Like the current minor collision insurance scams mow being reported the effect will be to cost the motorist more for insurance.
Radical idea but how about asking them if they have insurance and asking to see a certificate?.These changes are obviously related to the attempts by the DVLA to get all cars in the UK insured. Real problem for classic owners who often omly use cars in the summer.
Quite how a driver is supposed to know if another driver has actually insured a car he borrows I do not know. In reality if your insurance policy allows third party cover on other vehicles I think you would be covered.
But this is becoming a real minefield for motorists in general.
It is however a fact that some drivers have been insuring cheap cars comprehensively and driving other cars including performance cars constantly on the third party cover without insuring the performance cars at all.
Like the current minor collision insurance scams mow being reported the effect will be to cost the motorist more for insurance.
Steffan said:
It is however a fact that some drivers have been insuring cheap cars comprehensively and driving other cars including performance cars constantly on the third party cover without insuring the performance cars at all.
I don't understand how this works - when I spoke to my provider, they stipulated that, as well as having to have consent (obviously), the car had to be insured, i.e. you can't use the DOC to drive an otherwise-uninsured car. I'm pretty sure it states this on my certificate but I don't have it to hand so can't check.RenesisEvo said:
Steffan said:
It is however a fact that some drivers have been insuring cheap cars comprehensively and driving other cars including performance cars constantly on the third party cover without insuring the performance cars at all.
I don't understand how this works - when I spoke to my provider, they stipulated that, as well as having to have consent (obviously), the car had to be insured, i.e. [byou can't use the DOC to drive an otherwise-uninsured car. I'm pretty sure it states this on my certificate but I don't have it to hand so can't check.[/b]Gassing Station | General Gassing | Top of Page | What's New | My Stuff