Car Insurance

Danger Phoenix

Danger Phoenix

Danger Phoenix

Soldato
Joined
21 Jul 2004
Posts
6,360
Location
Harrow, UK
I am a named driver on my Mum's More Than policy (Fully Comprehensive) and was wondering if that allows me to drive any car up to a 1.6l engine (the size of my Mum's) with Third Party cover?

Is it a standard thing, or does it depend on the insurer/policy?
 
You generally need your own policy, (rather than named driver), to have 3rd party "Drive other car" cover. As above, check with your mum's insurance providers.
 
Unless it states so on the policy then no, but even if it does, the other car still has to be fully insured by whoever owns it and have their consent for you to drive it.
 
Gribs said:
This is a fairly rare term. Most don't have this condition.
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By fully it normally means 3rd party and upwards, but the other car needs to be insured, otherwise people would buy and insure a Micra and then just buy lots of other cars and not care about the insurance of them.
 
I'm a named driver on my dad's insurance which is also fully comp and he can drive any car with the policy as long as it's already insured.

I can't however, for 2 reasons, 1) I'm under 25, 2) I need my own fully comp policy to be able to.
 
Gib_Gib said:
By fully it normally means 3rd party and upwards, but the other car needs to be insured, otherwise people would buy and insure a Micra and then just buy lots of other cars and not care about the insurance of them.
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Most DOC policies state that it's not a car you own yourself as far as I was aware?
 
Gib_Gib said:
By fully it normally means 3rd party and upwards, but the other car needs to be insured, otherwise people would buy and insure a Micra and then just buy lots of other cars and not care about the insurance of them.
Click to expand...

My doc cover only covers me for third party therefore it highly unlikely I'd use it for any car remotely expensive. I'm not likely to have an accident but you never know.
 
To get DOC cover you have to be the main driver on a fully comprehensive insurance (and usually be over 25). You can then drive (with third party insurance) any car not owned by you with the owners consent as long as they have insurance to drive that car themselves.
 
pepp77 said:
To get DOC cover you have to be the main driver on a fully comprehensive insurance (and usually be over 25). You can then drive (with third party insurance) any car not owned by you with the owners consent as long as they have insurance to drive that car themselves.
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About the only bits right in that are having permission and not owning the car yourself. I've personally had a TPFT policy in the past that included DOC and none of the policies I've ever had have stipulated that the other car needs to be insured, or even taxed for that matter. I don't doubt that the insured clause does exist, but it's hardly common.
 
Gib_Gib said:
By fully it normally means 3rd party and upwards, but the other car needs to be insured, otherwise people would buy and insure a Micra and then just buy lots of other cars and not care about the insurance of them.
Click to expand...

For most policies it doesn't. The thing that stops you buying other cars and not insuring them seperately is the fact that it doesn't cover a car you own, plus the awkwardness to tax them and the fact that you could never park them other than private land.
 
Gib_Gib said:
By fully it normally means 3rd party and upwards, but the other car needs to be insured, otherwise people would buy and insure a Micra and then just buy lots of other cars and not care about the insurance of them.
Click to expand...

How would you tax them? Plus the "Other" cars cannot be owned by you.

DOC does not always require the "Other" car to be insured. Check your policy.
 
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