Insured to drive other cars?

[Grundy]

Okay, just a quick question....

 

How do you know if you are insured to drive other cars? When I take out a policy etc, there isn't a specific question to say 'Do you want to be insured to drive other cars'

 

Is this just a older generation myth? As my Grandads assumption is, if you are fully comp, you are insured. But I'm pretty sure this isn't the case.

[StevoD]

your under 25 arnt you? which means no anyway and it used to be like that back in the day but 90% of policy now dont have (DOC) on a basic package you have to ask for it

Edited September 13, 2014 by StevoD

[GIXXERUK]

It will tell you on you're policy, fully comp does not give you the automatic right to drive other vehicles, iirc there is an age restriction of 25

 

You are only insured 3rd party only and you cannot own the vehicle (e.g a 2nd car)

[Grundy]

your under 25 arnt you?

Aye,

 

So it's a - You have to be over 25 and Fully comp rule?

[GIXXERUK]

Tbh the best thing is to ring your ins co .. To be sure

 

If it's family it's usually fairly cheap to add a named driver

Edited September 13, 2014 by GIXXERUK

[Grundy]

It was just me being curious. It's not something I need. Was just wondering as the older generation just seem to think - Fully Comp means you can drive anyones car....

[GIXXERUK]

It was just me being curious. It's not something I need. Was just wondering as the older generation just seem to think - Fully Comp means you can drive anyones car....

 

Not the case mate

[mouthwash]

Mine specifies it in the terms of my policy.

[Lyndzzz]

Mine has always stated on the policy document that I am covered, never asked for it either

[marzman]

Im with Admiral and I have this by default.

[GIXXERUK]

Mine has always stated on the policy document that I am covered, never asked for it either

 

Always ? Since you were 17 ? I doubt it

 

 

Edited September 14, 2014 by GIXXERUK

[StevoD]

just something to note to those who think they are covered, Seriously read all of your Term and conditions as it might be by default but might have a clause which makes it invalid or get it 100% confirmed by your insurance with a written letter, As an older guy i work with had the same outlook as some on this thread he got stopped in his wifes Z4 and now has 6 points on his license and a hefty fine for driving without insurance

[RickyZ]

Mine has been included since I turned 25. It covers me to drive any vehicle included on my driving license but only third party cover. I don't know if it's possible to get fully comp on all cars as they probably wouldn't want you to jump into a priceless classic or brand new ferrari and crash it if your only paying £300 a year

 

 

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[ioneabee]

just something to note to those who think they are covered, Seriously read all of your Term and conditions as it might be by default but might have a clause which makes it invalid or get it 100% confirmed by your insurance with a written letter, As an older guy i work with had the same outlook as some on this thread he got stopped in his wifes Z4 and now has 6 points on his license and a hefty fine for driving without insurance

definately this

 

on the whole though, after 25 you are covered but it is usually 3rd party only - but as StevoD says - you have to check

[Ekona]

Some myths on here, but Stevo is right.

 

You can be covered DOC if under 25, but most insurers do not.

It can be included by default, but some insurers do not.

You cannot get DOC FC on any common road policy. Trader policy should do, though.

If in doubt, call and ask. Always!

[Jetpilot]

Worth nothing also, the other car your drive needs a valid insurance policy of its own for you to be covered via your policy

[Ekona]

Not true, it depends in your insurer.

 

However, that's irrelevant now that every car must either be taxed and insured, or SORN'd. So you're right, but for the wrong reason

[StevoD]

also ive read that if said car is owned in the household and is on finance or leased it maybe not be eligible for cover

[Ekona]

Owned, leased or finance: I've never ever seen an insurer stipulate that. It wouldn't make sense, I reckon 60% of cars out there fall under that these days. Also it's only 3rd party, so they have no interest in the actual vehicle.

 

Owned in the household would not matter either, but obviously you can't own it yourself. Again though, with continuous insurance that makes that scam impossible.

 

 

As ever though, ask your insurer. They're all different.

[Lyndzzz]

Mine has always stated on the policy document that I am covered, never asked for it either

 

Always ? Since you were 17 ? I doubt it

 

I never said from 17, at that age it cost me £1500 3rd party. Let me clarify.

 

Mine has always stated on the policy document that I am covered to drive other vehicles 3rd party, but only since I could afford fully comp insurance which I've had since I was 22. I have never asked for it or used it either.

 

Edit: That was 10 plus years ago and I know the under 25 clause was implemented across the board not long after that, I think around 2005ish?

Edited September 14, 2014 by Lyndzzz

[StevoD]

Well you cant DOC a rented car and as lease is long term rental ?

 

Also you must have owners permission not who the car is registered to if it is leased or financed and your mate says yea mate no worryz take it have you asked the owner, No . The owner is the finance/lease company and they will not let a randomer drive it on 3pft

 

This is worth a read

Edited September 14, 2014 by StevoD

[StevoD]

http://www.confused.com/car-insurance/articles/when-fully-comp-doesnt-let-you-drive-any-motor

[Ekona]

"The bottom line is to check the precise conditions for driving other cars with your insurer. Otherwise, the outcome could end up costing you a packet."

 

Yeah, that.

[Flex]

I've been with Admiral/Elephant for the last 6 yrs or so and I always have the drive other cars option, never asked for it just always on. Perhaps because I'm an old fart now?

[StevoD]

Yea just be sure the person you borrowing from is the 100% owner