John
Member
Registered: 30th Jun 03
User status: Offline
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Anyone got this on their policy?
Brother is a mechanic and has just turned 25, can't find anyone who will put driving other cars on the policy. Even Endsleigh, who said they would when we phoned, didn't have it on the Zurich underwritten policy when we went ahead with it.
Seems to be the motor trade bit specifically causing the problem. Doesn't need to drive them for work, this is just purely personal he's looking for.
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Speak to Sarah A
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John
Member
Registered: 30th Jun 03
User status: Offline
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Hook me up.
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Im with Zurich, F/C and can drive other cars with the owners permission etc. States it on my policy.
Dosn't say about driving vans but when i called up to double check, they said i would also be covered on a van too.
Im pretty sure that the police are working with insurance companies and trying to put a stop to it. Guy from work who is in his 40s had it removed from his policy when he renewed.
[Edited on 11-07-2014 by Corsa_Sport21]
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John
Member
Registered: 30th Jun 03
User status: Offline
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Are you in motor trade? Can get it no bother if not in motor trade (at the moment anyway).
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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Not in motor trade, i take it that is where the problem is lying then??
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John
Member
Registered: 30th Jun 03
User status: Offline
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I think so. I've seen it on a couple of my policies before where it mentioned as long as not in motortrade. The policy last night actually said driving other cars - cancelled.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Why not get a traders policy then?
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John
Member
Registered: 30th Jun 03
User status: Offline
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Depends how much it is. Not ~£1k? Normal insurance is under half that. It's more for the convenience factor than anything else, it's not actually for doing any sort of trading or work.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Depends on so many factors, but you could get it for £6-700 I'm sure.
Only a mug would lend someone their car with third party only cover anyway tbh.
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John
Member
Registered: 30th Jun 03
User status: Offline
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I use it fairly often.
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Sarah A;
Say mt polices are for traders, designed to cover a business, allowing any driver is creating a massive risk an is open to abuse, he will not find that cover anywhere
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John
Member
Registered: 30th Jun 03
User status: Offline
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He's not a motor trader, he's a mechanic, just has to put the business type as motor trade to be truthful.
If nowhere will do it though then that's fair enough.
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mwg
Member
Registered: 19th Feb 04
Location: South Lakes
User status: Offline
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He's not wanting a trader policy. Just wants to be able to drive other peoples cars third party
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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R u
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Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
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Pretty sure I read recently that any driver extensions are being phased out so no one will have it eventually
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Sarah A
Member
Registered: 3rd Jan 11
User status: Offline
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So he has a private car policy and wants to be able to drive any car?
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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Pretty sure I'm down as mechanical engineer and I get 3rd party extension
E36 328
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John
Member
Registered: 30th Jun 03
User status: Offline
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quote:
Originally posted by Sarah A
So he has a private car policy and wants to be able to drive any car?
Correct.
Are you a mechanic Craig?
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Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
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Just asked 2 of my mates who are mechanics and over 30 years old neither can drive other cars on their policy.
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Sarah A
Member
Registered: 3rd Jan 11
User status: Offline
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All depends on what policy you have and what the insurance company covers, all are different.
If you want something that most companies don't cover find a broker and they will find you a company who will insure you for the cover you need, but the question they'll probably ask is why you need that cover? As you'll probably find your be paying a higher premium.
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craig8
Premium Member
Registered: 31st Dec 04
Location: Glasgow
User status: Offline
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quote:
Originally posted by John
Are you a mechanic Craig?
Heavy plant engineer but that's not usually an option. Seems to be the closest thing I can find
E36 328
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John
Member
Registered: 30th Jun 03
User status: Offline
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Cheers everyone, looks to be bend the truth or do without then. Bending truth is fine until you crash so will just do without.
If you have engineer in your job title you can at least legitimately claim it was the closest they had.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Phasing it out how gay, love being able to jump in anyone's shitter for a spin when they offer me the keys.
Might be cheaper to do the camper and the mito on a traders now!
[Edited on 14-07-2014 by pow]
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AndyCorsaSport
Member
Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
User status: Offline
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quote:
Originally posted by pow
Phasing it out how gay, love being able to jump in anyone's shitter for a spin when they offer me the keys.
Might be cheaper to do the camper and the mito on a traders now!
[Edited on 14-07-2014 by pow]
Don't forget if you have a bump and it's written off they will only pay trade value. Be better with a multi car policy for only 2
I'm in motor trade and not covered on mine for driving others. Bull shit.
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