DOC - Driving other cars (3rd Party Only)

[Frenchda]

Just gone to renew and have been told that driving other cars 3rd Party is not included.
Reason given is that I am in a sales role - at a desk.
40 years driving experience no claims, accidents etc for 20 years but because I am involved in sales I do not get DOC anymore (apparently did not have it last year either!).

Anybody know if this is industry wide or just 1st Central?

[Countdown]

This seems to be quite common nowadays. It's a bit of a PITA as we have 4 cars in the house and I need to be a named driver on all of the other policies even though I might drive them once or twice a year.

[MrBen.911]

It will be one company's policy, just try somewhere else.

[2 sMoKiN bArReLs]

I've just got AA insurance (as Direct Line wanted double last year. It includes driving others. Mind, I don't think I'd ever do it).

[BertBert]

2 sMoKiN bArReLs said:

I've just got AA insurance (as Direct Line wanted double last year. It includes driving others. Mind, I don't think I'd ever do it).

Why wouldn't you do it?

[Uncle Meat]

I've currently got a 1st Central policy and it seems I have DOC (I am not a sales bod though)...

The Policyholder may also drive a private motor car not belonging to the Policyholder and not
hired to the Policyholder under a Hire Purchase Agreement or leased, provided it is insured
under another insurance policy, for social domestic and pleasure use only and with the
consent of the owner. Cover is limited to Third Party Only, please see Section 4 of the Policy
Wording for the full terms of cover.

[Gericho]

RAC offer DOC. But the other car has to already have an insurance policy in place and not belong to you. For me that is pointless.

[Dog Star]

DOC is not something I’d ever dare use, unless it was on an absolutely worthless old shed. Imagine having some freak accident in a newish car that totalled it and you were on the hook for £40k or something

Call me Mister Risk Averse if you like, but “No thanks!”

[cuprabob]

Gericho said:

RAC offer DOC. But the other car has to already have an insurance policy in place and not belong to you. For me that is pointless.

That's the case with any DOC cover offered with any insurance company.

[DickP]

Some insurers will allow you to increase your DOC from third party to fully comp for a short period (eg a week) if you provide the car details. (There are value limits no doubt as with mine which is max 50k car value for DOC fully comp)

[Gericho]

cuprabob said:

That's the case with any DOC cover offered with any insurance company.

Ideally I would like insurance for the driver not the car. Not sure if anyone does that anymore.

[E3134]

You need to be very careful, there is a lot of differences between policies. my LV policy allows me but not my wife to driving other cars on a road risks basis only (TPO) and only when my insured car is in for work at the dealers.

It isn't an issue for us, but it could have been.



For private car owners, that is not in the name of a company, I think it is almost impossible to buy cover on an Any Driver basis and yet for my car in Portugal this is very common practice.

Edited by E3134 on Tuesday 16th April 19:02

[2 sMoKiN bArReLs]

BertBert said:

2 sMoKiN bArReLs said:

I've just got AA insurance (as Direct Line wanted double last year. It includes driving others. Mind, I don't think I'd ever do it).

Why wouldn't you do it?

I don't think I'd drive anybody else's car third party. Good way to lose a friend.

[MustangGT]

cuprabob said:

Gericho said:

RAC offer DOC. But the other car has to already have an insurance policy in place and not belong to you. For me that is pointless.

That's the case with any DOC cover offered with any insurance company.

No it isn't. My DOC says nothing about the other car other than it must not be owned by me, or my wife. Therefore it does not need it's own insurance.

[njw1]

Dog Star said:

DOC is not something I’d ever dare use, unless it was on an absolutely worthless old shed. Imagine having some freak accident in a newish car that totalled it and you were on the hook for £40k or something

Call me Mister Risk Averse if you like, but “No thanks!”

But the car your driving still has to be insured, would that not cover it? My insurance policy doesn't state that if someone else with DOC cover is driving it isn't covered....?

[Sebring440]

njw1 said:

But the car your driving still has to be insured, would that not cover it?

Umm.... no?

That's the whole point of DOC. In the scenario mentioned the driver is not a "named driver" on the car's owner's insurance policy.

[Sheepshanks]

MustangGT said:

cuprabob said:

Gericho said:

RAC offer DOC. But the other car has to already have an insurance policy in place and not belong to you. For me that is pointless.

That's the case with any DOC cover offered with any insurance company.

No it isn't. My DOC says nothing about the other car other than it must not be owned by me, or my wife. Therefore it does not need it's own insurance.

It’s a moot point because all cars on the road have to have their own insurance. I think the only time it would be legal would be if driving a SORN’d car for MOT.

[Sheepshanks]

E3134 said:

You need to be very careful, there is a lot of differences between policies. my LV policy allows me but not my wife to driving other cars on a road risks basis only (TPO) and only when my insured car is in for work at the dealers.

Our LV cover doesn’t say anything like that. If the car is in a garage then a garage loan car is covered fully comp for any driver on the policy.

There’s no restriction on DOC cover and it covers both wife and I, but I had to ask for that.

[MightyBadger]

I have DOC with first central but my policy is fully comp.

[Mr Tidy]

Back in the 80s and 90s I had DOC cover for TPO on any car regardless of whether I had the owners' consent, which was the norm then.

But more recently I've had policies with TPO DOC cover, some without any DOC cover and one that gave Comprehensive DOC cover for another £25.

Luckily after decades working in that industry I always check what I have, but it really pays to read all the documents!