DOC and under 25's

Muncher said:
I can't see why you'd want it unless you've a habit of driving other people's sheds often...
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when my car was off the road for 7 days it meant I could have drove my house mates or parents. It's useful for unforeseen circumstances. As long as it's relatively cheap.
Also means you can drive mates cars. If you go away somewhere or go drinking.
 
AcidHell2 said:
when my car was off the road for 7 days it meant I could have drove my house mates or parents. It's useful for unforeseen circumstances. As long as it's relatively cheap.
Also means you can drive mates cars. If you go away somewhere or go drinking.
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You can add temporary cars with proper cover for very little money for this exact reason...
 
It's very useful because it means you never have to think "oh crap, insurance" if you need to jump into a different car for a day.
 
SGWills said:
only thing with flexibell is the excesses ;)
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Never seen a problem with their excess actually. I'm 21 and can get DOC with them with £0 excess and it doesn't cost a great deal more than with £500 excess. :)

Although DL seem to be cheaper over all for me, but then I'd have no DOC. :(

I need a car before I can get insurance though, and decide if I want DOC or not. :p

And on the note of adding a car for a couple of days, or using day insure, it makes life easier when buying a car, as you automatically can drive the car. :)

InvG
 
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InvaderGIR said:
Never seen a problem with their excess actually. I'm 21 and can get DOC with them with £0 excess and it doesn't cost a great deal more than with £500 excess. :)

Although DL seem to be cheaper over all for me, but then I'd have no DOC. :(

I need a car before I can get insurance though, and decide if I want DOC or not. :p

And on the note of adding a car for a couple of days, or using day insure, it makes life easier when buying a car, as you automatically can drive the car. :)

InvG
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You can't necassarily drive the car because most say that the car has to be insured by someone else for your cover to be valid and most also say that you can't be the owner of the car that you are driving on DOC cover. So if you want to do this then read the small print of your insurance carefully.
 
mattpc said:
You can't necassarily drive the car because most say that the car has to be insured by someone else for your cover to be valid and most also say that you can't be the owner of the car that you are driving on DOC cover. So if you want to do this then read the small print of your insurance carefully.
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:confused:

When going to test drive a car from a private seller generally the car is insured (obviously phone to check) and also you are not the owner. If you then buy the car, then obviously you add it to your insurance and don't drive it on dodgy(non existent) DOC cover.

InvG
 
Im pretty sure e-car insurance have DOC for no extra cost for any age, they are pretty good with there quotes as well

SCRAP THAT just went through my policy and it states you have to be over 25.
 
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InvaderGIR said:
:confused:

When going to test drive a car from a private seller generally the car is insured (obviously phone to check) and also you are not the owner. If you then buy the car, then obviously you add it to your insurance and don't drive it on dodgy(non existent) DOC cover.

InvG
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:confused::confused::confused::confused:Yes! But you need to check as you correctly wrote. I'm not saying you are not covered but am saying there is smallprint which could land you in the poo. For example many people buy their new car, cancel their insurance on the old car and then sell it. Then you wouldn't be covered. Also as you have correctly stated you would need to transfer the car to your insurance before driving it home. Why give all:confused::confused::confused:when you have just reinforced my point by stateing the pitfalls?:confused::confused:
 
[TW]Fox;11702526 said:
Smallprint which says it must be insured by someone else is rare and mostly internet hearsay.
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Really? I should probably check mine as I thought it said that (Elephant). It's a pretty stupid bit of smallprint I must admit. I can't imagine that the "must not be owned by you" rule is rare tho because if it were not inserted some people would buy several vehicles and just drive around DOC on 4/5 of them. (I realise you do not state that this is rare).

I only suggested checking smallprint because being uninsured on the road is not a situation you ever want to be in if you can avoid it.
 
The must not be owned by you rule is universal and critical. The must be insured elsewhere one is not - for good reason, it makes absolutely zero difference to your insurer whether the vehicle is already insured or not.
 
mattpc said:
:confused:Yes! But you need to check as you correctly wrote. I'm not saying you are not covered but am saying there is smallprint which could land you in the poo. For example many people buy their new car, cancel their insurance on the old car and then sell it. Then you wouldn't be covered. Also as you have correctly stated you would need to transfer the car to your insurance before driving it home. Why give all:confused:when you have just reinforced my point by stateing the pitfalls?:confused:
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:/

It just read that you can't drive a car you are going to look at to buy, because you have the intention of buying it, therefore you DOC is invalid on that vehicle. :)

I think you've broken you mouse button, there are quite a few extra :confused:'s in there :p.

I would check all my small print anyway, before doing it, and would likely take out day insure etc. anyway if it provides better cover (ie FC) for not a huge amount, as the last thing you want is to write off a car you are test driving. :p

InvG
 
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