Embarrassing car insurance question
Discussion
Pretty sure it’s obvious, but want to check
Going with someone at the weekend to check out a second hand car for them. It’s worth 4K
This is the wording on my admiral policy, I assume I can drive it with third party - but does this depend on whether the car is currently insured or not?
re there any restrictions on cover?
Driving other cars: When driving other cars, your level of cover is restricted to third party injury and third party property damage. If your Certificate of Motor Insurance states that you have the driving other cars extension you can drive other cars not hired or belonging to you or your partner.
Uninsured driver promise: If you make a claim for an incident that is not your fault and the driver of the other vehicle is confirmed and identified as uninsured, you will not lose your No Claims Bonus. If your renewal is due and your claim is not settled, your No Claims Bonus may be reduced and you may be required to pay an increased premium. However, once we confirm that the incident was the fault of the uninsured driver we will reinstate your no claim discount and refund any extra premium charged by the effect on your bonus you have been asked to pay.
Excesses: We won’t cover the first portion of any claim that you agree to pay (the excess). Standard amounts apply to glass repairs (£25) and replacements (£95). If you use an unapproved repairer following an accident you will be subject to an additional excess, this will be confirmed on your Policy Schedule.
Total loss: If your vehicle cannot be repaired we will pay a cash sum to replace the car, minus any outstanding premium.
Market value: The cost of replacing your car, with one of a similar make, model, year, mileage and condition based on market prices at the time of the loss. Should we pay out the market value for your vehicle the amount paid out for your car shall not exceed its market value at the time of the incident.
Reduced settlements: We may reduce payouts for items that were already worn or damaged.
Courtesy car: A courtesy car is only provided if yours is repaired by one of our garages. We can’t ensure it will be adapted for special needs or disabilities. A courtesy car is not provided if yours is stolen or is a total loss. A courtesy car will not be provided if your vehicle is a campervan or imported.
Audio, visual or electronic equipment: If it is not permanently fitted by the manufacturer this cover is limited to £1250 or 15% of the value of the car, whichever is lower.
Obviously if I bend it my hand will be straight in my pocket for the test driven car, but I don’t want to be out of pocket for the lambo I drive up the back of.
Cheers
Going with someone at the weekend to check out a second hand car for them. It’s worth 4K
This is the wording on my admiral policy, I assume I can drive it with third party - but does this depend on whether the car is currently insured or not?
re there any restrictions on cover?
Driving other cars: When driving other cars, your level of cover is restricted to third party injury and third party property damage. If your Certificate of Motor Insurance states that you have the driving other cars extension you can drive other cars not hired or belonging to you or your partner.
Uninsured driver promise: If you make a claim for an incident that is not your fault and the driver of the other vehicle is confirmed and identified as uninsured, you will not lose your No Claims Bonus. If your renewal is due and your claim is not settled, your No Claims Bonus may be reduced and you may be required to pay an increased premium. However, once we confirm that the incident was the fault of the uninsured driver we will reinstate your no claim discount and refund any extra premium charged by the effect on your bonus you have been asked to pay.
Excesses: We won’t cover the first portion of any claim that you agree to pay (the excess). Standard amounts apply to glass repairs (£25) and replacements (£95). If you use an unapproved repairer following an accident you will be subject to an additional excess, this will be confirmed on your Policy Schedule.
Total loss: If your vehicle cannot be repaired we will pay a cash sum to replace the car, minus any outstanding premium.
Market value: The cost of replacing your car, with one of a similar make, model, year, mileage and condition based on market prices at the time of the loss. Should we pay out the market value for your vehicle the amount paid out for your car shall not exceed its market value at the time of the incident.
Reduced settlements: We may reduce payouts for items that were already worn or damaged.
Courtesy car: A courtesy car is only provided if yours is repaired by one of our garages. We can’t ensure it will be adapted for special needs or disabilities. A courtesy car is not provided if yours is stolen or is a total loss. A courtesy car will not be provided if your vehicle is a campervan or imported.
Audio, visual or electronic equipment: If it is not permanently fitted by the manufacturer this cover is limited to £1250 or 15% of the value of the car, whichever is lower.
Obviously if I bend it my hand will be straight in my pocket for the test driven car, but I don’t want to be out of pocket for the lambo I drive up the back of.
Cheers
Check your insurance certificate actually says you have the driving other cars clause in it.
Usually the car must have insurance itself. Driving other cars just means you don’t need to be a named driver as you have 3rd party cover through your own insurance for what happens when you are behind the wheel. The car still needs to have a policy on it to cover it when parked up on a public road.
Usually the car must have insurance itself. Driving other cars just means you don’t need to be a named driver as you have 3rd party cover through your own insurance for what happens when you are behind the wheel. The car still needs to have a policy on it to cover it when parked up on a public road.
colin79666 said:
Check your insurance certificate actually says you have the driving other cars clause in it.
Usually the car must have insurance itself. Driving other cars just means you don’t need to be a named driver as you have 3rd party cover through your own insurance for what happens when you are behind the wheel. The car still needs to have a policy on it to cover it when parked up on a public road.
Excellent, dug a bit deeper and found this on my certUsually the car must have insurance itself. Driving other cars just means you don’t need to be a named driver as you have 3rd party cover through your own insurance for what happens when you are behind the wheel. The car still needs to have a policy on it to cover it when parked up on a public road.
The policyholder may also drive with the consent of the owner a private motor car as long as the other car is not a car either owned by you or your partner or hired or leased to you or
your partner under a hire purchase or leasing agreement or hired or rented to you or your partner under a car hire or rental agreement, within the UK, providing there is a valid insurance policy in force for that car. Please note this cover is Third Party Only.
All drivers must also be driving in accordance with the terms of a valid licence and must not be disqualified from driving
Looks like I’m ok to drive it as long as the car is insured by them. I guess that’s to stop my “friend” buying something tricky to insure, not insuring it, then me using it all the time.
Thanks
Kenty said:
if it is on trade plates at a dealer you are covered.
Not always! Depends on what policy they have. I personally wouldn't be taking the risk (unless it was a main dealer) without seeing paperwork saying I'm insured. OP, do make sure you are covered for test drives as well. Got talking to a friend who works for a insurance company (can't remember which one) and she said they don't cover test drives with the third party side of things.
Spare tyre said:
The policyholder may also drive with the consent of the owner a private motor car as long as the other car is not a car either owned by you or your partner or hired or leased to you or
your partner under a hire purchase or leasing agreement or hired or rented to you or your partner under a car hire or rental agreement, within the UK, providing there is a valid insurance policy in force for that car. Please note this cover is Third Party Only.
If that's the exact wording then it very poorly written. it's not specific so if the vehicle is covered on a laid up policy or as stock on the dealer policy then it would be covered.your partner under a hire purchase or leasing agreement or hired or rented to you or your partner under a car hire or rental agreement, within the UK, providing there is a valid insurance policy in force for that car. Please note this cover is Third Party Only.
They obviously mean that it needs to be covered for road traffic act purposes.
I'd think you would be OK and I would argue on you behalf if you were my client but it not clear so unless you know 100% that the vehicle has been specifically declared by the dealer then it would depend on how much stomach you had for an argument if you were stopped or had an accident.
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