Diving other cars if named driver?

Parsley · 25 Sep 2008 at 21:21

I'm not going to dig mine out but I swear it says that the car needs to be insured. Perhaps I'm wrong as I haven't looked at it for months.

Love the sig by the way Stig.

Conscript · 25 Sep 2008 at 21:55

[TW]Fox;12576647 said:
They couldnt get it below £3400 for me, apparently

On the 530 I assume? I think their whole market is aimed at young dirvers with smaller cars. When I first went with them, I was 21 and had onyl been driving for about 6 months. On a 1.6 Focus, TPFT I was quoted about £940 or so. That was the only quote under a grand if I remember rightly. Come renewal I was going to look at one of the more reputable companies, but Quinn offered me an automatic renewal of £511....over a £400 drop in one year. The cheapest anyone else would offer me was about £700.

My renewal is due in November, hopefully they will conttue the trend and give me a substantial discount again.

LoadsaMoney · 25 Sep 2008 at 22:36

Go down on cars ey.

antijoke · 26 Sep 2008 at 08:49

[TW]Fox;12576755 said:
Please don't offer advice on legal matters if you don't know what you are talking about. There is plenty of room for unfounded opinions in 'Which Focus should I buy' threads but when it relates to matters of motoring law it's best we only comment on things we are fairly certain about

I am talking from experience. When I bought my Impreza I was 21 and was not able to insure it for a decent amount (however we needed to pick the car from over 100 miles away) so my mum had to drive it back, we phoned up my mums insurance as she is able to drive other cars, and she was told by Direct Line that the other car must be insured by the owner of the vehicle (me) hence she was not able to drive it under her insurance without adding it as a second vehicle (they did add it to her insurance for the day though to solve the problem)

So I am not merely talking rubbish, I have first hand experience of this type of thing.

gillywibble · 26 Sep 2008 at 08:53

I've never heard of the other vehicle having to be insured, or seen it in an insurance contract.

antijoke · 26 Sep 2008 at 09:08

Yeah I'm sure Direct Line got it wrong :rolleyes:

Confused · 26 Sep 2008 at 09:11

gillywibble said:
I've never heard of the other vehicle having to be insured, or seen it in an insurance contract.

My GF has just taken out a policy with SwiftCover, and it states in her policy documentation that the other vehicle must be insured.

And because it can't be stressed enough:

Check your own policy documentation for exact wording!

GravyMonster · 26 Sep 2008 at 09:22

Conscript said:
Im with Quinn, TPFT, held a license for only about 2 and a half years and apparently, I have DOC cover. Which is unusual, but has come in handy once or twice.

Endsleigh also do the exact same which surprised me.

I had a policy with them which was TPFT on a £500 banger, yet it still had DOC cover. I had a feeling getting them to pay up if I ever needed to use it would have been a bitch though.

TBH I think it depends more on the underwriter than the insurance company you use.

gillywibble · 26 Sep 2008 at 10:45

anticonscience said:
Yeah I'm sure Direct Line got it wrong

Most pointless rolleyes ever? I said I hadn't heard of it, I didn't say it wasn't true.

Mr Jack · 26 Sep 2008 at 11:06

Corran said:
I know what my certificate says. My cover from Quinn stipulates what I said.

Yes. You know what your certificate says. You don't know what his certificate says.

chipperhead · 26 Sep 2008 at 11:51

Just dug mine out and it says.
'The policy holder is also insured to drive with the owners consent any motor car not belonging to him and not hired to him under a hire purchase agre...... and provided that the motor car is being used within the limitations below (which says stuff about racing and speed trials). This cover is restricted to third party liability only.

So in theory I could get my misses to buy a hugely expensive to insure car, she doesn't have to insure it and then I could drive it.
Although to be honest a £20,000 Porsche 911 was coming in around £500 for me to insure and you'd hardly want that 3rd party only.

Confused · 26 Sep 2008 at 11:54

chipperhead said:
So in theory I could get my misses to buy a hugely expensive to insure car, she doesn't have to insure it and then I could drive it.

In theory, yes. However, cover is limited to third party only, and when you leave it, it is left uninsured. Plus it'll flag up on the ANPR systems as uninsured. Plus you won't be able to tax it.

But it is due to this that some DOC wordings (such as the one of my GF from SwiftCover) state that the other vehicle must have an active insurance policy on it.

bledd · 26 Sep 2008 at 12:29

gillywibble said:
I've never heard of the other vehicle having to be insured, or seen it in an insurance contract.

it has to be insured, otherwise you could do this..

buy a Ferarri Enzo
buy a Micra

get insured on the Micra, then use DOC to drive the Enzo (you have permission from the owner, because you are the owner

)

MoNkeE · 26 Sep 2008 at 12:38

bledd. said:
it has to be insured, otherwise you could do this..

buy a Ferarri Enzo
buy a Micra

get insured on the Micra, then use DOC to drive the Enzo (you have permission from the owner, because you are the owner )

Arrw man have you even read the thread?

[TW]Fox · 26 Sep 2008 at 12:40

bledd. said:
it has to be insured, otherwise you could do this..

You are wrong.

buy a Ferarri Enzo
buy a Micra

get insured on the Micra, then use DOC to drive the Enzo (you have permission from the owner, because you are the owner )

a) DOC only provides cover on vehicles NOT OWNED BY YOURSELF. Therefore, no cover on your Enzo
b) What sort of a braindead moron would buy a £600,000 car and then drive it on TPO cover? Nobody would, so this situation would never arise.

L0rdMike · 26 Sep 2008 at 12:51

bledd. said:
it has to be insured, otherwise you could do this..

buy a Ferarri Enzo
buy a Micra

get insured on the Micra, then use DOC to drive the Enzo (you have permission from the owner, because you are the owner )

Yep Fox is 100% right you can not drive cars owned by your self.

When I had my 2 MR2's I had to have to different policys.

Rich1988 · 26 Sep 2008 at 12:55

gillywibble said:
I've never heard of the other vehicle having to be insured, or seen it in an insurance contract.

the car HAS to have current insurance covering it I know this is the case with my DOC and the same with everyone elses I imagine

gareth.e · 26 Sep 2008 at 12:57

[TW]Fox;12580363 said:
You are wrong.

a) DOC only provides cover on vehicles NOT OWNED BY YOURSELF. Therefore, no cover on your Enzo
b) What sort of a braindead moron would buy a £600,000 car and then drive it on TPO cover? Nobody would, so this situation would never arise.

However what you could do is get you girlfriend to buy a R1 kit car then get insure TPO on that

[TW]Fox · 26 Sep 2008 at 12:58

gareth.e said:
However what you could do is get you girlfriend to buy a R1 kit car then get insure TPO on that

But if you are the sort of person with the money and interest to buy and own an R1 powered kit car why wouldnt you stump up 300 odd quid to insure it properly :confused:

Stupid hypothetical situations are stupid.

chipperhead · 26 Sep 2008 at 13:02

Rich1988 said:
the car HAS to have current insurance covering it I know this is the case with my DOC and the same with everyone elses I imagine

There is no mention of needing insurance in any of my policy details.