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Whittie

Member

Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline

18th May 10 at 08:05

"The policyholder may also drive any motor car not belonging to him (her) and not hired to him (her) under a hire purchase agreement."

Without looking up the small print, what are the limitations of this? Does the other car have to be insured? Does it have to be insured fully comp, would the policyholder driving another car be insured third party or fully comp if they were driving another car?

Thanks

Tomnova16

Premium Member

Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
User status: Offline

18th May 10 at 08:06

belive the other car must be insured at least third party

http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter

Colin

Member

Registered: 4th Apr 02
User status: Offline

18th May 10 at 08:10

Your insurance gives you the ability to drive any other car with 3rd party cover, so long as its not owned by yourself, and is insured by another driver (doesnt matter the level of cover) & they give their permission for you to drive.

gavin18787

Premium Member

Registered: 22nd Feb 05
Location: Basildon, Essex
User status: Offline

18th May 10 at 08:13

think you have to be over 25 too on most policies

Drives supercharged Tec with torque

Colin

Member

Registered: 4th Apr 02
User status: Offline

18th May 10 at 08:16

I think ive got it, but any other car I drive on a regular basis i'm insured full comp on. Like my old mans A4 & Jades cooper S, I wouldnt like to drive these as often as I do on 3rd party only cover.

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

18th May 10 at 08:19

Pretty much every company states at least 23 years old, if not 25...

Rob E

Member

Registered: 1st Jan 06
Location: Madeley, Stafford....I want to live back in Wales!
User status: Offline

18th May 10 at 10:07

Brentacre told me I had to be 25

Im 25 midway through my policy this year but cant be covered until I renew the policy

mattk

Member

Registered: 27th Feb 06
Location: St. Helens
User status: Offline

18th May 10 at 10:38

I was with Bell and used to drive other cars, I was 21 at the time, I specified drive any other car and it cost me £40 so Im guessing I was covered

other car has to be insured by someone who isnt banned, and you cant use the policy to get another car out of an impound

John

Member

Registered: 30th Jun 03
User status: Offline

18th May 10 at 10:53

There was a forum somewhere discussing this, some companies apparently let you drive it even if it wasn't insured elsewhere.

As soon as you stepped out the car on a public road it was then illegal though.

Basically has to be owned and insured by someone else.

You have to be 25 every single place I tried at the end of last year, apart from Royal Sun Alliance who I ended up going with through IAM surety.

You are only insured third party to drive the other car, doesn't matter if that is inured 3rd party or fully comp.

[Edited on 18-05-2010 by John]

A2H GO

Member

Registered: 14th Sep 04
Location: Stoke
User status: Offline

18th May 10 at 11:11

quote:
Originally posted by Colin
I think ive got it, but any other car I drive on a regular basis i'm insured full comp on. Like my old mans A4 & Jades cooper S, I wouldnt like to drive these as often as I do on 3rd party only cover.

Who's that with? Did you have to may much extra?

John

Member

Registered: 30th Jun 03
User status: Offline

18th May 10 at 11:18

He'll be on their insurance policies, not through his own.

nathy_87

Member

Registered: 14th Aug 08
Location: West Mids. Drives: Škoda Fabia VRS 5J
User status: Offline

18th May 10 at 11:18

Not all insurance companies have this policy.

Colin

Member

Registered: 4th Apr 02
User status: Offline

18th May 10 at 11:24

Yeah I meant I have the cover through my policy TPFT, but I wouldnt want to drive a car worth 15/16k TPFT so im on their policies as a named driver fully comp. Maybe should have explained.

A2H GO

Member

Registered: 14th Sep 04
Location: Stoke
User status: Offline

18th May 10 at 11:27

quote:
Originally posted by Colin
Yeah I meant I have the cover through my policy TPFT, but I wouldnt want to drive a car worth 15/16k TPFT so im on their policies as a named driver fully comp. Maybe should have explained.

Ahh

Never mind.

N3CRO

Member

Registered: 12th Apr 07
Location: Sandy, Bedfordshire
User status: Offline

18th May 10 at 11:53

I mentioned this to Brentacre last week, you have to be 25+ and the car has to have its own insurance.

pow

Premium Member

Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline

18th May 10 at 12:45

quote:
Originally posted by John
There was a forum somewhere discussing this, some companies apparently let you drive it even if it wasn't insured elsewhere.

As soon as you stepped out the car on a public road it was then illegal though.

Basically has to be owned and insured by someone else.

You have to be 25 every single place I tried at the end of last year, apart from Royal Sun Alliance who I ended up going with through IAM surety.

You are only insured third party to drive the other car, doesn't matter if that is inured 3rd party or fully comp.

[Edited on 18-05-2010 by John]

I'm gunna give IAM surety a go this time