Insurance - driving other cars 3rd party cover.
Discussion
One of my children has just passed their test. After much searching and agreeing to a black box I managed to get insurance for a "reasonable" sum.
I note with interest that the policy allows driving other cars, not owned by the policyholder but that are insured. This would appear to mean that he could borrow one of my cars and be insured on it, regardless of engine size / performance etc, and drive it endlessly.
It surprises me that they allow this, so I am assuming they are required by law to provide it. Does anyone know the ins and outs?
Louis Balfour said:
One of my children has just passed their test. After much searching and agreeing to a black box I managed to get insurance for a "reasonable" sum.
I note with interest that the policy allows driving other cars, not owned by the policyholder but that are insured. This would appear to mean that he could borrow one of my cars and be insured on it, regardless of engine size / performance etc, and drive it endlessly.
It surprises me that they allow this, so I am assuming they are required by law to provide it. Does anyone know the ins and outs?
Which company?I note with interest that the policy allows driving other cars, not owned by the policyholder but that are insured. This would appear to mean that he could borrow one of my cars and be insured on it, regardless of engine size / performance etc, and drive it endlessly.
It surprises me that they allow this, so I am assuming they are required by law to provide it. Does anyone know the ins and outs?
Mumsn3t said:
Louis Balfour said:
One of my children has just passed their test. After much searching and agreeing to a black box I managed to get insurance for a "reasonable" sum.
I note with interest that the policy allows driving other cars, not owned by the policyholder but that are insured. This would appear to mean that he could borrow one of my cars and be insured on it, regardless of engine size / performance etc, and drive it endlessly.
It surprises me that they allow this, so I am assuming they are required by law to provide it. Does anyone know the ins and outs?
Which company?I note with interest that the policy allows driving other cars, not owned by the policyholder but that are insured. This would appear to mean that he could borrow one of my cars and be insured on it, regardless of engine size / performance etc, and drive it endlessly.
It surprises me that they allow this, so I am assuming they are required by law to provide it. Does anyone know the ins and outs?
Louis Balfour said:
One of my children has just passed their test. After much searching and agreeing to a black box I managed to get insurance for a "reasonable" sum.
I note with interest that the policy allows driving other cars, not owned by the policyholder but that are insured. This would appear to mean that he could borrow one of my cars and be insured on it, regardless of engine size / performance etc, and drive it endlessly.
It surprises me that they allow this, so I am assuming they are required by law to provide it. Does anyone know the ins and outs?
Bear in mind that DOC extension is Third Party Only cover. As others have said, it is very rarely given to policyholders under 25, so I suggest you read the policy and schedule very carefully. If it isn't shown on the Certificate of Insurance, then it doesn't apply.I note with interest that the policy allows driving other cars, not owned by the policyholder but that are insured. This would appear to mean that he could borrow one of my cars and be insured on it, regardless of engine size / performance etc, and drive it endlessly.
It surprises me that they allow this, so I am assuming they are required by law to provide it. Does anyone know the ins and outs?
CanAm said:
Bear in mind that DOC extension is Third Party Only cover. As others have said, it is very rarely given to policyholders under 25, so I suggest you read the policy and schedule very carefully. If it isn't shown on the Certificate of Insurance, then it doesn't apply.
OK the policy doc says this:Driving other Private Motor Cars
Your Insurer will provide this cover, under section 3, if you are driving another Private Motor
Car as long as:
• Your Certificate of Motor Insurance shows that cover is included
• The other Private Motor Car is not a hire, courtesy or rental Private Motor Car, is not
owned by you or your Partner nor obtained by you or your Partner under a hire purchase
or lease agreement
• The Private Motor Car hasn’t been lent to you by your employer or business partner
• The owner has given you permission to drive the Private Motor Car
• There’s a valid insurance policy in force for the Private Motor Car you’re using
• You’re not covered by any other insurance policy to drive it
• You hold a valid driving licence, aren’t disqualified or breaking the conditions of your
driving licence and any relevant law
• The Private Motor Car hasn’t been seized or confiscated by or on behalf of any
government or public authority
• You still have your Car and it hasn’t been stolen and not recovered, damaged beyond
repair, or declared a Total Loss (write-off)
• The Private Motor Car is registered in Great Britain or Northern Ireland
• You’re not test driving the Private Motor Car
• You’re driving in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands
Louis Balfour said:
OK the policy doc says this:
Driving other Private Motor Cars
Your Insurer will provide this cover, under section 3, if you are driving another Private Motor
Car as long as:
• Your Certificate of Motor Insurance shows that cover is included
Does the certificate of insurance show this cover? Terms and conditions docs will be standard across the board I imagine.Driving other Private Motor Cars
Your Insurer will provide this cover, under section 3, if you are driving another Private Motor
Car as long as:
• Your Certificate of Motor Insurance shows that cover is included
Baldchap said:
Louis Balfour said:
OK the policy doc says this:
Driving other Private Motor Cars
Your Insurer will provide this cover, under section 3, if you are driving another Private Motor
Car as long as:
• Your Certificate of Motor Insurance shows that cover is included
Does the certificate of insurance show this cover? Terms and conditions docs will be standard across the board I imagine.Driving other Private Motor Cars
Your Insurer will provide this cover, under section 3, if you are driving another Private Motor
Car as long as:
• Your Certificate of Motor Insurance shows that cover is included
However, in the welcome pack is the CofI which indeed says "This policy doesn't cover you to drive other vehicles". Despite it being after the section relating to the vehicle that is covered, I assume this means "...even if not owned by the policyholder" despite the rest of the information suggesting otherwise. If that makes sense.
Louis Balfour said:
The policy is managed online, has different sections relating to the car, drivers etc and it says that they are covered, without reference to the CofI.
However, in the welcome pack is the CofI which indeed says "This policy doesn't cover you to drive other vehicles". Despite it being after the section relating to the vehicle that is covered, I assume this means "...even if not owned by the policyholder" despite the rest of the information suggesting otherwise. If that makes sense.
The certificate (which is the only thing you should rely on) should contain a statement similar to ...However, in the welcome pack is the CofI which indeed says "This policy doesn't cover you to drive other vehicles". Despite it being after the section relating to the vehicle that is covered, I assume this means "...even if not owned by the policyholder" despite the rest of the information suggesting otherwise. If that makes sense.
"The policyholder may also drive with the consent of the owner a private motor car not belonging to him/her or his/her married spouse/civil partner, and not hired to him/her under a hire purchase agreement, within our territorial limits, providing there is a valid insurance policy in force for that car."
Also, who actually owns the car could muddy the waters.
The registered keeper and the owner are often the same person... but not always.
If you said you've found reasonably priced insurance for him did you pay for the car and the insurance?
It's kinda guiding you towards the idea that the only time you can drive another car 3rd party with that policy is if you have to do a journey ad-hoc in someone else's car for some unusual reason and that the third party cover isn't substitute for getting the actual insurance you would normally require.
The registered keeper and the owner are often the same person... but not always.
If you said you've found reasonably priced insurance for him did you pay for the car and the insurance?
It's kinda guiding you towards the idea that the only time you can drive another car 3rd party with that policy is if you have to do a journey ad-hoc in someone else's car for some unusual reason and that the third party cover isn't substitute for getting the actual insurance you would normally require.
essayer said:
Louis Balfour said:
The policy is managed online, has different sections relating to the car, drivers etc and it says that they are covered, without reference to the CofI.
However, in the welcome pack is the CofI which indeed says "This policy doesn't cover you to drive other vehicles". Despite it being after the section relating to the vehicle that is covered, I assume this means "...even if not owned by the policyholder" despite the rest of the information suggesting otherwise. If that makes sense.
The certificate (which is the only thing you should rely on) should contain a statement similar to ...However, in the welcome pack is the CofI which indeed says "This policy doesn't cover you to drive other vehicles". Despite it being after the section relating to the vehicle that is covered, I assume this means "...even if not owned by the policyholder" despite the rest of the information suggesting otherwise. If that makes sense.
"The policyholder may also drive with the consent of the owner a private motor car not belonging to him/her or his/her married spouse/civil partner, and not hired to him/her under a hire purchase agreement, within our territorial limits, providing there is a valid insurance policy in force for that car."
As said, the Certificate of Insurance is more specific, and over-rides any general terms.
essayer said:
Louis Balfour said:
The policy is managed online, has different sections relating to the car, drivers etc and it says that they are covered, without reference to the CofI.
However, in the welcome pack is the CofI which indeed says "This policy doesn't cover you to drive other vehicles". Despite it being after the section relating to the vehicle that is covered, I assume this means "...even if not owned by the policyholder" despite the rest of the information suggesting otherwise. If that makes sense.
The certificate (which is the only thing you should rely on) should contain a statement similar to ...However, in the welcome pack is the CofI which indeed says "This policy doesn't cover you to drive other vehicles". Despite it being after the section relating to the vehicle that is covered, I assume this means "...even if not owned by the policyholder" despite the rest of the information suggesting otherwise. If that makes sense.
"The policyholder may also drive with the consent of the owner a private motor car not belonging to him/her or his/her married spouse/civil partner, and not hired to him/her under a hire purchase agreement, within our territorial limits, providing there is a valid insurance policy in force for that car."
The parts of the portal that are easily accessible are misleading. Which is not because they are standard, I don't think. They are all personalised to them, the vehicle etc etc.
Anyway, I think we have got to the answer. Thanks All.
Edited by Louis Balfour on Wednesday 8th March 12:05
J4CKO said:
Not relevant to the OP's son, but on my Adrian Flux policy I opted for "Flex Drive" which covers you comprehensively on any other car up to 20k you need to drive which is quite useful.
Probably if you read the small print it'll say "5.3.1.5 - Flex Drive does not cover you for use of any other car under any circumstances"Forums | General Gassing | Top of Page | What's New | My Stuff