Can I drive any car with fully comp insurance?
Discussion
Anyone who says their DOC only covers emergency use is talking tripe. Post the certificate to prove it. How can you define emergency cover. What's an emergency anyway.
Child ill, needs to go to hospital?
Cat sick, needs to go to vet.
Cat not sick, but limping?
Cat was limping, but has stopped now, but i'm still a bit concerned.
One persons emergency is someone else's "ahh f
k it, it'll wait til next week." Just look at the phone calls the 999 service gets. "I've run out of teabags and the shop is shut."
That's why a term like that would never appear in an insurance contract.
Child ill, needs to go to hospital?
Cat sick, needs to go to vet.
Cat not sick, but limping?
Cat was limping, but has stopped now, but i'm still a bit concerned.
One persons emergency is someone else's "ahh f
k it, it'll wait til next week." Just look at the phone calls the 999 service gets. "I've run out of teabags and the shop is shut."That's why a term like that would never appear in an insurance contract.
TwigtheWonderkid said:
Anyone who says their DOC only covers emergency use is talking tripe.
No they're not.TwigtheWonderkid said:
That's why a term like that would never appear in an insurance contract.
Ambiguous as it is, yes it does.Under the second heading;
http://www.gocompare.com/car-insurance/cover-to-dr...
First paragraph;
http://www.brentacre.co.uk/insurance-documents/dri...
OP, as noted above this won't work. I think that, even if you have your new motor registered to a friend or relative, the addresses must be different. Then where do you keep the car overnight - wrong address. Best to save up the £4k if you must or buy an older car that's a lower premium.
Good luck.
Good luck.
Martin350 said:
TwigtheWonderkid said:
That's why a term like that would never appear in an insurance contract.
Ambiguous as it is, yes it does.Under the second heading;
http://www.gocompare.com/car-insurance/cover-to-dr...
First paragraph;
http://www.brentacre.co.uk/insurance-documents/dri...
Forgetting all the rude posts (despite the fact they have a point).
The main reason for you not to do that is that if you crash the car, you are not covered for any costs incurred to your car so if you wrote it off, you'd be £40k down.
The other way to do it would be a named driver on your dads insurance but again, if you are involved in an accident, you are going to be investigated very hard - it's simply not worth the risk.
There are plenty of other cars out there that won't cost £4k to insure even with your age and points. Even something like an Aston Martin, Lotus or R8 would be much cheaper to insure because they are crashed/stolen less.
The main reason for you not to do that is that if you crash the car, you are not covered for any costs incurred to your car so if you wrote it off, you'd be £40k down.
The other way to do it would be a named driver on your dads insurance but again, if you are involved in an accident, you are going to be investigated very hard - it's simply not worth the risk.
There are plenty of other cars out there that won't cost £4k to insure even with your age and points. Even something like an Aston Martin, Lotus or R8 would be much cheaper to insure because they are crashed/stolen less.
Brokers and insurers will often say in their literature that DOC cover is for emergency use, because basically they don't want you using it. Same with staff at the call centre etc.
But when you take out a policy, you are entering into a contract. If it doesn't restrict to emergency use in the contract, is isn't restricted.
And believe me, it won't be in the contract.
As I said above, wtf constitutes an emergency anyway? Completely subjective and totally unenforceable. Which is why it's not a restriction.
People can bleat on about this all they like, but when someone posts up their cert restricting DOC to emergency use only, I'll apologise. Until then, you're just plain wrong.
But when you take out a policy, you are entering into a contract. If it doesn't restrict to emergency use in the contract, is isn't restricted.
And believe me, it won't be in the contract.
As I said above, wtf constitutes an emergency anyway? Completely subjective and totally unenforceable. Which is why it's not a restriction.
People can bleat on about this all they like, but when someone posts up their cert restricting DOC to emergency use only, I'll apologise. Until then, you're just plain wrong.
Martin350 said:
TwigtheWonderkid said:
Anyone who says their DOC only covers emergency use is talking tripe.
No they're not.TwigtheWonderkid said:
That's why a term like that would never appear in an insurance contract.
Ambiguous as it is, yes it does.Under the second heading;
http://www.gocompare.com/car-insurance/cover-to-dr...
First paragraph;
http://www.brentacre.co.uk/insurance-documents/dri...
This has been discussed on the forum for many years and no evidence has been posted, I regularly come across certificates for other insurers and I have never seen it or defined as part of a contract.
TwigtheWonderkid said:
Martin350 said:
If I can be bothered later I'll try and dig out my old policy which clearly stated DOC was "Emergency use only", but I may have binned it,
Emergency use DOC documents are like NIPs for 32 in a 30. Everyone's had one, but no one can ever lay their hands on it. 1. no DOC cover
2. allows DOC but not of another vehicle in the same household
3. allows DOC without the household exclusion
Never seen crap about "emergency use".
My motorbike policy allows point 3 (I was very very careful on this point), which I use to ride the OHs motorbike. Her policy won't let her ride mine though (live at same address).
Incidentally - my insurer also sold me an extra policy which extends my cover to fully comp up to £5k when riding other motorbikes (unless it's in the same household!)
You can get policies where you are fully comp on any car. There is usually an age restriction (min 25 or 30). I can drive any car, and anyone can drive mine and be insured.... unless they live in the same household, closing your loophole.
There's also the option to set up a company and get a fleet policy. It's whether you want to get insured, or save money. Neither of my routes are cheap I'm afraid. Unsurprisingly, they are wise to the tricks.
There's also the option to set up a company and get a fleet policy. It's whether you want to get insured, or save money. Neither of my routes are cheap I'm afraid. Unsurprisingly, they are wise to the tricks.
Edited by hondansx on Monday 15th January 11:38
All this bks is one of the reasons we should insure the driver, not the car.
Oooh, you can drive your own car and any other brown cars, except on the third Tuesday of the month if your birthday is an odd day of the week or your socks are either unmatching or a cotton/nylon blend but you can't drive a 1.6 if your name contains any of the letters of the word toad or if your wife's second cousin lives in a bungalow.
Nonsense.
ks is one of the reasons we should insure the driver, not the car.Oooh, you can drive your own car and any other brown cars, except on the third Tuesday of the month if your birthday is an odd day of the week or your socks are either unmatching or a cotton/nylon blend but you can't drive a 1.6 if your name contains any of the letters of the word toad or if your wife's second cousin lives in a bungalow.
Nonsense.
LuS1fer said:
V8LM said:
My insurance (5 figures) allows me to drive any other cars fully comp except others in the household, and lets anyone with my permission drive my cars fully comp, except the wife.
Everyone's a winner.
If a 5 figure premium is a winner, I'll pass. Everyone's a winner.
ferrariF50lover said:
All this bks is one of the reasons we should insure the driver, not the car.
So should I pay the same premium to be able to drive any car?ks is one of the reasons we should insure the driver, not the car.I currently pay £100 for my old Land Rover. Should that premium cover me for a Ferrari F50 or a Golf R or...?
Or would I be paying a lot more for coverage that I don't actually want or need, simply to average out across everybody?
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