Discussion
i was wondering if you have insurance on one car, but no the option to drive other peoples cars with third party coverage.
and you DO end up driving another car that your not named on, if you had an accident (or whatever) would you be covered at all - by the insurance you have on your own vehicle, or would you effectively be driving without any insurance???
thanks for your help.
and you DO end up driving another car that your not named on, if you had an accident (or whatever) would you be covered at all - by the insurance you have on your own vehicle, or would you effectively be driving without any insurance???
thanks for your help.
If the 'driving other cars' clause is omitted, you would be driving without insurance - full stop.
Some people erroneously think that if they have a comprehensive policy that automatically grants third party cover on any other car - WRONG! Driving other cars is not limited to comprehensive policies, and it isn't automatic - e.g. if you're under 25 (21 on some policies), or if you're a driver by trade, it's likely that it will not be granted. Also, it's quite specific insofar as it's any car NOT owned or hired to you, so you can't have one policy on your main car and drive your second car on it for free; also, it's ONLY the policyholder that's covered, not any 'named' drivers.
Hope that helps
Some people erroneously think that if they have a comprehensive policy that automatically grants third party cover on any other car - WRONG! Driving other cars is not limited to comprehensive policies, and it isn't automatic - e.g. if you're under 25 (21 on some policies), or if you're a driver by trade, it's likely that it will not be granted. Also, it's quite specific insofar as it's any car NOT owned or hired to you, so you can't have one policy on your main car and drive your second car on it for free; also, it's ONLY the policyholder that's covered, not any 'named' drivers.
Hope that helps
littlegearl said: yeah i didn't think you'd be covered but i was wondering, that say you just "borrowed" a car and got stopped if they would look on it slightly more favourable than if you had no insurance on any car...
BiB can probably advise further but at the end of the day you'd be driving without insurance - whether or not you insured a fleet of cars, on that day at that time you would not be insured on that car.
loaf said:
Captain Muppet said: The clause I like is the "unless owned by partner" one.
I can drive any car and have third party cover, except my wifes car which I have to pay extra for. Theiving bastards.
Change insurer then, if it's important to you; if it isn't, why gripe?
I'm griping cos it's been on every policy I've had in fourteen years. I'm griping cos I've spent more on insurance than I have on cars and I've never made a claim.
Captain Muppet said:
I'm griping cos it's been on every policy I've had in fourteen years. I'm griping cos I've spent more on insurance than I have on cars and I've never made a claim.
All I can say is that it's not universal. Most companies these days only specify cars you own yourself - as in if you are on the V5 as the legal owner. As for spending more on insurance than cars...you've been lucky insofar as you haven't had to claim. The point is that all insurance is speculative i.e. IF X happens THEN you'll get paid £Y. If you're a good driver who a) know his limits b) knows his vehicle's limits c) doesn't exceed either and d) thinks of everyone else on the road as a complete numpty (present PH company excepted, natch) and acts accordingly, then the chances are that you won't need the insurance to indemnify yourself, and it seems like the money's wasted. Should, however, Novaboy wipe his Pox Mower'd sh!tbox down the side of your parked motor and then naff off without so much as a 'F*** You!', your driving skills become irrelevant; and all of a sudden the insurance is A Good Thing (tm).
loaf said: ...Should, however, Novaboy wipe his Pox Mower'd sh!tbox down the side of your parked motor and then naff off without so much as a 'F*** You!', your driving skills become irrelevant; and all of a sudden the insurance is A Good Thing (tm).
Only if your insurance is fully comp. Which mine isn't.
Captain Muppet said:
Only if your insurance is fully comp. Which mine isn't.
Ah...the plot thickens...[speculates] this may be why the cover isn't extended to your partner's car [/speculates]
loaf said:
Captain Muppet said:
Only if your insurance is fully comp. Which mine isn't.
Ah...the plot thickens...[speculates] this may be why the cover isn't extended to your partner's car [/speculates]
Nice try - I only down-graded the cover this year in response to the insulting level of the premiums I was quoted. I am now paranoid about where I leave my cars (even less likey to claim now...).
loaf said:
Captain Muppet said: The clause I like is the "unless owned by partner" one.
I can drive any car and have third party cover, except my wifes car which I have to pay extra for. Theiving bastards.
Change insurer then, if it's important to you; if it isn't, why gripe?
I have to say i think this is outrageous. I looked at buying a winter car to run in conjunction with the Tiv. 2.0 Granada. Wrongly thought I could drive it TP only through my comp insurance on the TVR. Found out that wasnt the case so rang my insurers. You can only use your No claims bonus on one policy so i would have to have another policy with no bonus!!!! FFS I am the driver the no claims relates to, how am i going to be driving 2 cars at once aaaargh
Anyway - it would have cost me £1000 to insure a 2 litre granada without any NCB, and thats only Third party fire theft. So the TVR will be run all year round.
Shnozz said:
I have to say i think this is outrageous.FFS I am the driver the no claims relates to, how am i going to be driving 2 cars at once aaaargh
NCD relates to the policy, not the car, or the driver; whether you're driving the car or not is immaterial - if you leave a vehicle on a public road it MUST be insured...even if it's in your locked private garage on your own land, how pissed would you be if you went down to Sainsbury's in the Granny and came back to find said locked, private garage going up in smoke with your Tiv inside - and no insurance cos you weren't driving it? You'd beand
and then probably
I dunno. My turn to
Captain Muppet said:
sb930turbo said: Shnozz,
If you shop around some brokers/Ins Companies will allow full ncb on another car (thats what they did for me anyhow)
Steve
>> Edited by sb930turbo on Monday 16th December 12:31
Spill the beans - which company?
Most of the direct writers; some brokers will offer these policies as well. Shop round. Be warned that some will only offer a 2nd car discount if you and any other drivers are a) over 25, b) clean licence or only 1 minor offence (e.g. speeding, construction and use, licence offences), c) no fault claims in the last three years, or one fault claim if your NCD was protected. Depends on the company - but make sure you ask upfront if you will get the same NCD as you already have or just an 'introductory' discount.
if it's in your locked private garage on your own land I dont think you have to insure it. The basic insurance that you are required by law to have is Third Party.
As long as you car does not drive itself out of the garage and mow some pedestrians down you should be ok.
You do need a SORN for tax purposes though
As long as you car does not drive itself out of the garage and mow some pedestrians down you should be ok.
You do need a SORN for tax purposes though
cotty said: if it's in your locked private garage on your own land I dont think you have to insure it. The basic insurance that you are required by law to have is Third Party.
As long as you car does not drive itself out of the garage and mow some pedestrians down you should be ok.
You do need a SORN for tax purposes though
No, you do not have to insure it; but that's irrelevant - the question was how pissed would you be if you hadn't insured your £40k TVR because you were driving your other car, cos you can't drive two at once, and came back to find it was a cloud of pollution? I'm guessing, somewhat miffed...?
NCD relates to the policy, not the car, or the driver; whether you're driving the car or not is
I know what it relates to thanks. But I thought the policy may well be based on the driver and the car, or am I wrong on this?
I think it extracts the urine. I pay a lot to insure my TVR and have no qualms in doing so, its a quick car and I am a young driver. I have 6 years no claims bonus which discounts the policy and ya pays ya money, takes ya choice and all.
But then when i try and insure a 2nd car to want to charge me another £1k i think is crazy. Same insurer. I am not an underwriter but.... 1st policy young driver does 10k miles a year in TVR group 20 fast car. Pays high premium. Then driver wants to insure another vehicle so mileage in fast car is halved, and the other 5k miles per year is done in a slow automatic saloon with a grouping of half the Tiv. Surely the risk is reduced?
I appreciate that this does not take into consideration thieving or criminal damage risk to 2 cars rather than 1, but IMHO i think it is completely disproportionate.
A similar thing happened a couple of years ago when i got a quote for a 600cc sports bike. They wanted to know about any accidents I have had in a car so I told them and the premium rose accordingly. What they didnt care about was if I had any NCB earned in a car because that didnt count towards bike insurance? So having an accident goes against the policy but not having any doesnt matter?
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