DOC cover

jaykay

jaykay

jaykay

Associate
Joined
11 Nov 2006
Posts
1,410
Location
Wales, Cardiff
Hi, i need to drive my mates car to a garage for some repairs.
Now im insured with Quinn which im pretty sure do DOC cover.
But the problem is he has no insurance on the car, as its currently not great to drive day to day (striped interior, very heavy clutch etc).

It has tax and mot, am i able to drive it to the garage legally?
 
According to the Quinn website:

If your certificate of insurance says so, we will also cover the policyholder for your liability to other people while you are driving any other private motor car which you do not own or have not hired or leased. This benefit applies to full licence drivers only. We will only cover you if:
  • The vehicle is not owned by your employer or hired to you/them under a hire-purchase or lease agreement;
  • You currently hold a full European Union (EU) licence;
  • The use of the vehicle is covered in the certificate of insurance;
  • Cover is not provided by any other insurance;
  • You have the owner’s permission to drive the vehicle;
  • The vehicle is in a roadworthy condition;
  • You still have your vehicle and it has not been damaged beyond cost-effective repair; and
  • Your occupation is not restricted by our acceptance criteria.
Click to expand...
You can download a .pdf of the policy documentation which should have more details.
 
Muncher said:
No it doesn't! It's the opposite!

Go find me a policy that says it needs to have another policy in effect!:)
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So there's nothing to stop Mr.scrote (aged 18) buying and insuring his 1.0 Corsa with DOC cover THEN buying an Evo?
Seems like an easy way to get around high premiums to me.
 
The_Dark_Side said:
So there's nothing to stop Mr.scrote (aged 18) buying and insuring his 1.0 Corsa with DOC cover THEN buying an Evo?
Seems like an easy way to get around high premiums to me.
Click to expand...

No because the documents usually state that you can't own the car being covered by DOC.

Also very few companies are offering DOC to young drivers now anyway.
 
Interestingly I was watching some crappy real life cops TV thing the other day where some copper pulled someone over who'd borrowed a car and did him for no insurance stating that the car *did* need to be covered by it's own policy for DOC to apply. I've always been of the opinion that unless the terms of your policy dictate it then there's no requirement for the car to be insured but it's quite worrying that a police officer would be misinformed on the issue.
 
Theres also limits on the DOC cover i think like 4x4, no 2 seaters and under 3 liters. Will check on it tomorrow for definite.
 
kaiowas said:
Interestingly I was watching some crappy real life cops TV thing the other day where some copper pulled someone over who'd borrowed a car and did him for no insurance stating that the car *did* need to be covered by it's own policy for DOC to apply. I've always been of the opinion that unless the terms of your policy dictate it then there's no requirement for the car to be insured but it's quite worrying that a police officer would be misinformed on the issue.
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It's not the first time police officers have been uninformed. Unsurprisingly they don't like DOC use at all, neither do insurers really so I think it's something that is being phased out or restricted to older drivers.
 
kaiowas said:
Interestingly I was watching some crappy real life cops TV thing the other day where some copper pulled someone over who'd borrowed a car and did him for no insurance stating that the car *did* need to be covered by it's own policy for DOC to apply. I've always been of the opinion that unless the terms of your policy dictate it then there's no requirement for the car to be insured but it's quite worrying that a police officer would be misinformed on the issue.
Click to expand...

I've always thought it was without exception that the other vehicle must be insured by someone else for your DOC cover to apply.
 
it would be a way of getting away without paying insurance at all if it doesnt have to be insured else where, buy a smallish car, register an evo/m3/911 *take your pick* under dads name, drive that car for a lot less than what you would pay as the car as the main risk

most people wouldnt car of the level of cover as they would see it as "im legal to drive the car"
 
I've been given DOC on my latest policy as I've turned 25. Don't think ill actually ever really need to use it. But it says no where in the policy that the car needs an existing policy on it.

To be safe id call up your insurance company and ask. As surely it is at there discretion if the car should have a existing policy or not.
 
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