Named driver borrowing car for the night
Discussion
Here’s another one of those insurance questions… my dad is a named driver on our car which he uses now and again when babysitting etc I’m just curious where do we stand if he borrows the car for couple days which means it will be parked overnight at his house?
It’s my car and the address on policy is mine would the car be covered overnight at his?
It’s my car and the address on policy is mine would the car be covered overnight at his?
Justchris17 said:
Here’s another one of those insurance questions… my dad is a named driver on our car which he uses now and again when babysitting etc I’m just curious where do we stand if he borrows the car for couple days which means it will be parked overnight at his house?
It’s my car and the address on policy is mine would the car be covered overnight at his?
Of course it is. Have you never taken your car away with you on holiday, or visited friends?It’s my car and the address on policy is mine would the car be covered overnight at his?
deckster said:
Justchris17 said:
Here’s another one of those insurance questions… my dad is a named driver on our car which he uses now and again when babysitting etc I’m just curious where do we stand if he borrows the car for couple days which means it will be parked overnight at his house?
It’s my car and the address on policy is mine would the car be covered overnight at his?
Of course it is. Have you never taken your car away with you on holiday, or visited friends?It’s my car and the address on policy is mine would the car be covered overnight at his?
Check the wording of your policy.
Most commonly they say something along the lines of "Address the vehicle is usually kept overnight".
The key word being 'usually'.
I think if it was once a fortnight it was away from home, it'd be pretty easy to say that it was usually kept at yours. If it were 50:50 then it'd be harder to say that.
Be honest with yourself, and if you feel like the car is usually kept at your house overnight, then you're meeting the terms of your policy.
Most commonly they say something along the lines of "Address the vehicle is usually kept overnight".
The key word being 'usually'.
I think if it was once a fortnight it was away from home, it'd be pretty easy to say that it was usually kept at yours. If it were 50:50 then it'd be harder to say that.
Be honest with yourself, and if you feel like the car is usually kept at your house overnight, then you're meeting the terms of your policy.
Rotary Potato said:
Check the wording of your policy.
Most commonly they say something along the lines of "Address the vehicle is usually kept overnight".
The key word being 'usually'.
I think if it was once a fortnight it was away from home, it'd be pretty easy to say that it was usually kept at yours. If it were 50:50 then it'd be harder to say that.
Be honest with yourself, and if you feel like the car is usually kept at your house overnight, then you're meeting the terms of your policy.
Good advice.Most commonly they say something along the lines of "Address the vehicle is usually kept overnight".
The key word being 'usually'.
I think if it was once a fortnight it was away from home, it'd be pretty easy to say that it was usually kept at yours. If it were 50:50 then it'd be harder to say that.
Be honest with yourself, and if you feel like the car is usually kept at your house overnight, then you're meeting the terms of your policy.
Can't imagine why anyone would ask for advice on a contract from on-line strangers, instead of reading the contract.
Can't believe we're arguing about this. We (married couple) have two cars, named driver on each others car - obviously.
Wife's car is the daily and I usually drive it when we're together; it would never occur to me to phone the insurance and say 'By the way, the car will be at the Premier Inn, Durham, tonight'. Utter nonsense - I'd be phoning them twice a week!
Wife's car is the daily and I usually drive it when we're together; it would never occur to me to phone the insurance and say 'By the way, the car will be at the Premier Inn, Durham, tonight'. Utter nonsense - I'd be phoning them twice a week!
littleredrooster said:
Can't believe we're arguing about this. We (married couple) have two cars, named driver on each others car - obviously.
Wife's car is the daily and I usually drive it when we're together; it would never occur to me to phone the insurance and say 'By the way, the car will be at the Premier Inn, Durham, tonight'. Utter nonsense - I'd be phoning them twice a week!
I haven't seen anyone say he's not covered, so no actual argument exists.Wife's car is the daily and I usually drive it when we're together; it would never occur to me to phone the insurance and say 'By the way, the car will be at the Premier Inn, Durham, tonight'. Utter nonsense - I'd be phoning them twice a week!
911hope said:
littleredrooster said:
Can't believe we're arguing about this. We (married couple) have two cars, named driver on each others car - obviously.
Wife's car is the daily and I usually drive it when we're together; it would never occur to me to phone the insurance and say 'By the way, the car will be at the Premier Inn, Durham, tonight'. Utter nonsense - I'd be phoning them twice a week!
I haven't seen anyone say he's not covered, so no actual argument exists.Wife's car is the daily and I usually drive it when we're together; it would never occur to me to phone the insurance and say 'By the way, the car will be at the Premier Inn, Durham, tonight'. Utter nonsense - I'd be phoning them twice a week!
911hope said:
Can't imagine why anyone would ask for advice on a contract from on-line strangers, instead of reading the contract.
Because some of those online strangers might know enough about insurance contracts to be able to say "no need to read the contract, or call the insurers, or give this matter another moment's consideration, because there isn't a car insurance contract in the UK that says your car must be kept at the declared address every single night." TwigtheWonderkid said:
Because some of those online strangers might know enough about insurance contracts to be able to say "no need to read the contract, or call the insurers, or give this matter another moment's consideration, because there isn't a car insurance contract in the UK that says your car must be kept at the declared address every single night."
The point is that the OP cannot know if the advice received is from a an expert or just a pretender. They are an unknown.Forums | General Gassing | Top of Page | What's New | My Stuff