Flex Posted September 14, 2014 Share Posted September 14, 2014 Yea just be sure the person you borrowing from is the 100% owner I normally just try every door until I find one that's unlocked, so that does count?? 1 Quote Link to comment Share on other sites More sharing options...
Tim BW Posted September 15, 2014 Share Posted September 15, 2014 Generally, you have to be over 25 for the driving other cars extension. You can always ask over the phone as well when you ring us. Once you get a certificate, it will say on there also. Quote Link to comment Share on other sites More sharing options...
davedutch Posted September 16, 2014 Share Posted September 16, 2014 Will vary by insurer, my son recently turned 21 and his policy now covers third party only with owners consent any car that is insured by owner, basically car has to be insured by owner and you need owners permission but all it does is make it legal for you to drive, there is no cover for any damage to the car in question. Quote Link to comment Share on other sites More sharing options...
Jetpilot Posted September 16, 2014 Share Posted September 16, 2014 Will vary by insurer, my son recently turned 21 and his policy now covers third party only with owners consent any car that is insured by owner, basically car has to be insured by owner and you need owners permission but all it does is make it legal for you to drive, there is no cover for any damage to the car in question. This was my understanding, otherwise you could buy a car, register It in a family member or friends name and be covered under your policy on any old piece of junk you get insured for cheap on. Quote Link to comment Share on other sites More sharing options...
Doughnutboy Posted September 25, 2014 Share Posted September 25, 2014 Hi, if you have a driving other cars extension it will be noted on your Certificate of Insurance. It will say something like "the proposer may drive any motor vehicle not belonging to him and not hired to him under a hire purchase agreement" If the words aren’t there then you don’t have the extension. You cant really ask for it either. It is usually given as standard to:- • Proposers over 25 • Those not in the Motor Trade • Those not insuring high group vehicles are also sometime excluded Cover will usually be Third Party Only when using the extension and the vehicle will also need to have insurance in its own right. A Motor Trade Insurance policy would allow you to drive multiple vehicles (under certain conditions) but will only be operative if you are genuinely in the Trade. Quote Link to comment Share on other sites More sharing options...
Grundy Posted September 25, 2014 Author Share Posted September 25, 2014 Thank you mysterious insurance man. Quote Link to comment Share on other sites More sharing options...
rabbitstew Posted September 25, 2014 Share Posted September 25, 2014 Ive had big discussions about this with various insurance companies over the years as I own several cars & motorbikes and was trying to find a way in which I could be covered to use them all without it costing me a fortune. The insurance companies all said that the "drive any other vehicle" cover, if on the policy, is third party only on the other vehicle. The other vehicle must not be owned by you and must already have its own insurance policy on it. They would typically give the example thats its typically so you can drive a mates car if in an emergency or to try it out. I also enquired about trader insurance, thinking maybe I can get one policy to cover me on all my vehicles but then found that most trader policies dont cover both car & motorbikes, they are seperate. Also you have to be registered as a trader, and then as such have to have liability insurance and all sorts of extra stuff. The quotes I did get ended up costing the same as setting up 4 new separate insurance policies (2 with no ncb as I could only use that on one vehicle). It does mean now that I have 4 separate lots of NCB and 4 separate policies which gets a bit confusing at renewal time. IMO insurance should be on the person and not tied to one vehicle. They should risk assess the individual, taking into account his driving history, record, experience etc... the same as they do now. Then look at the highest risk vehicle that person is going to be driving, then give a price based on that. You then should be allowed to drive any lower risk vehicles for free. So for example, if I had a £50k lambo and wanted to buy a £200 old banger to use in the week, leaving the lambo locked up in its secure garage, really the insurance company should be over the moon as statistically id have thought it would be a much lower risk of me crashing the lambo over the 12 month period. On the other hand, they might see it as if im only driving the lambo at the weekends im maybe going to be driving it harder than if im stuck on the a14 in stationary traffic..... who knows! 1 Quote Link to comment Share on other sites More sharing options...
AMT Posted September 25, 2014 Share Posted September 25, 2014 I'm with Admiral and its part of it, I've called and checked. Over 25 and fully comp gives you 3rd party (DON'T CRASH YOUR FRIENDS/FAMILYS CAR lol) so you won't get any costs towards the car your in if you have an accident. Used it a few times with my friends car when mines was being repaired but there is that 'fear' you get lol Best thing to do is call the insurer and check and ask where it says this on the documents (section etc) as it is not automatic because you are over a certain age or fully comp, only certain insurers do this! Quote Link to comment Share on other sites More sharing options...
Zedd Posted September 25, 2014 Share Posted September 25, 2014 Mines written on my policy but like everyone says its only third party, plus it obviously has to already be insured. Quote Link to comment Share on other sites More sharing options...
jumping350 Posted September 25, 2014 Share Posted September 25, 2014 taken from my admiral certificate - so this should be written somewhere on your policy if you are allowed to The Policyholder may also drive with the consent of the owner a private motor car not belonging to him/her 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. Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.