Insurance question?

[jagdpanther]

Ok chaps, this has been bugging me for a while:


If I am insured fully comprehensive on my car and wanted to drive my uncles car which he is no longer insured to drive, would I be insured to drive it due to the Comprehensive cover?

Many thanks

Scott

[zcacogp]

Probably not, because the small print (in your policy) usually states that such 3rd-party-on-other-vehicles cover only applies when the other vehicle is owned by and insured by someone other than you.

But, as I said, check your policy (carefully!) to be sure.


Oli.

[vonhosen]

jagdpanther said:

Ok chaps, this has been bugging me for a while:


If I am insured fully comprehensive on my car and wanted to drive my uncles car which he is no longer insured to drive, would I be insured to drive it due to the Comprehensive cover?

Many thanks

Scott

Totally dependent on what your policy says, some you can some you can't.

[jagdpanther]

Bugger, it only says that Im insured to drive a vehicle with prior permission, but third party only...it doesnt say whether the vehicle needs to be insured via somebody else or not!

I'll give them a call and find out

[Noger]

Most DOC clauses don't state it needs to be insured elsewhere.

[zcacogp]

Noger said:

Most DOC clauses don't state it needs to be insured elsewhere.

Really?

In which case I stand corrected. Apologies.

Check the policy.


Oli.

[carrotchomper]

I think you'll find they do- The vehicle has to be insured to be on the road seperately- OTherwise you would have 17yo oiks insuring a metro and driving a Ferrari!

[vonhosen]

carrotchomper said:

I think you'll find they do- The vehicle has to be insured to be on the road seperately- OTherwise you would have 17yo oiks insuring a metro and driving a Ferrari!

Not yet they don't.

It's in the Road Safety Act but it hasn't been implemented yet.

[jondude]

You do not need the other car to be insured, but you still risk getting the car clamped and crushed if you park it and go for a pee, for example.

The reason is that any wardens or police with ANPR will get a 'not insured' message and, depending on their mood, the car will be clamped or worse.

This is to the glee of insurers, as technically it does indeed mean we have permanent insurance liability here.

If you intend to drive the car from private land to private land, and stay with it at all times in between, then you are 100% OK. The police may well stop you, but if you have a valid driving other vehicles extension, they will let you on your way.

Park it on a public road and walk at your own risk. In any big city, at your own extreme risk!

[jondude]

carrotchomper said:

I think you'll find they do- The vehicle has to be insured to be on the road seperately- OTherwise you would have 17yo oiks insuring a metro and driving a Ferrari!

This is still technically possible, although the first step of many insurers was to up the DOV extension age to 25. Now, with the problems above and the fact you only get TPO cover, this tends to mean owners of Ferraris would not dream of letting others drive their car with such limited cover and risks of clamping.

[Noger]

Exactly, some insurers have removed DOC altogether. Most have raised the minimum age or restricted it to the premium products. Very few add the "already insured" clause.