Admiral multi car

Burnsy2023 · 17 Mar 2012 at 22:05

I'm going to confirm with admiral tomorrow, but i'm confused about multi car cover. Here is the scenario:

Car a is driven by fred. Car a is covered by a multi car policy but fred isn't a named driver.

Fred has his own policy under car b which is fully comp and also under the same multi car policy. Is it possible for fred to drive car a third party despite not being a named driver?

rodenal · 17 Mar 2012 at 22:13

Yes

Unless there is a clause stating anyone covered under any of the two policies but n specifically named on the relevant policy cant drive the other car.

I had multicar for a while but cant remember if there's anything like this written in (I dont think so), we were both named on both cars.

Assuming the policy wording does not deny the third party cover, in the case of an accident I think admiral would be very difficult to deal with

Disco Boy · 17 Mar 2012 at 22:16

Burnsy2023 said:
I'm going to confirm with admiral tomorrow, but i'm confused about multi car cover. Here is the scenario:

Car a is driven by fred. Car a is covered by a multi car policy but fred isn't a named driver.

Fred has his own policy under car b which is fully comp and also under the same multi car policy. Is it possible for fred to drive car a third party despite not being a named driver?

It depends if he has doc (drive other cars) on his policy. If he does, and provided he doesn't own car a, then he can drive it, but his cover will be this party only.

I think that you question is if anyone on a multi car policy can drive any car on the policy. The answer is no. Think of each car as being on its own policy.

Jono8 · 17 Mar 2012 at 22:18

Burnsy2023 · 17 Mar 2012 at 22:23

Does multi car have the possibility of doc on other cars that aren't covered?

[TW]Fox · 17 Mar 2012 at 22:25

Jono8 said:
No

What a useful and insightful post. It really explained why you have the opinion you and definately aided the OP in his quest for the answer.

I'd say yes going on the T&C's of the policy which state you must:

a) Still have your car
b) Have permission to drive the other car
c) Not own the other car
d) The other car must be insured (Yes, admiral insist on this now)

All 4 criteria would seem to be satisfied. It does feel a bit... wrong, mind. So I'd seek clarification from the insurer.

Jono8 · 17 Mar 2012 at 22:30

[TW]Fox;21495904 said:
What a useful and insightful post. It really explained why you have the opinion you and definately aided the OP in his quest for the answer.

I'd say yes going on the T&C's of the policy which state you must:

a) Still have your car
b) Have permission to drive the other car
c) Not own the other car
d) The other car must be insured (Yes, admiral insist on this now)

All 4 criteria would seem to be satisfied. It does feel a bit... wrong, mind. So I'd seek clarification from the insurer.

You can't. If you are not a named driver on the other policy.

They are essentially two seperate policies.

If they have DOC though then im sure it wouldnt be a problem.

I am on a multi car policy with admiral.

[TW]Fox · 17 Mar 2012 at 22:35

Jono8 said:
If they have DOC though then im sure it wouldnt be a problem.

This is my assumption - no DOC, no insurance.

Burnsy2023 · 17 Mar 2012 at 22:38

Jono8 said:
You can't. If you are not a named driver on the other policy.

They are essentially two seperate policies.

If they have DOC though then im sure it wouldnt be a problem.

I am on a multi car policy with admiral.

Is doc cover obvious on the certificate or policy schedule.

[TW]Fox · 17 Mar 2012 at 22:42

Burnsy2023 said:
Is doc cover obvious on the certificate or policy schedule.

It is on the certificate.

If it isnt there, you don't have it.

rodenal · 17 Mar 2012 at 22:42

Yes its quite clear, is on the policy front letter (edit* the certificate I mean) underneath the list of drivers.

I believe only if the main driver is over 25 they get driving other cars, so if that's the reason for doing it it wont be an option. Its never been more expensive for me and the mrs to be on both cars, but different situations will have different costs I guess

Burnsy2023 · 17 Mar 2012 at 22:44

Thanks guys.

sigma · 17 Mar 2012 at 22:49

[TW]Fox;21496009 said:
It is on the certificate.

If it isnt there, you don't have it.

Unless you have it added on at a later date.

PMKeates · 17 Mar 2012 at 22:49

sigma said:
Unless you have it added on at a later date.

If you change your policy they will insure a new certificate?

rodenal · 17 Mar 2012 at 22:54

PMKeates said:
If you change your policy they will insure a new certificate?

Yep, so if there isn't a certificate with it stated, its not covered as previously stated.

[TW]Fox · 17 Mar 2012 at 22:56

sigma said:
Unless you have it added on at a later date.

No.

sigma · 17 Mar 2012 at 23:47

PMKeates said:
If you change your policy they will insure a new certificate?

I'm 99.99% sure they didn't to me. I called them up and asked if I was insured DOC and they confirmed that I am.

I think I will double check. They definitely added it to my poilcy because they charged me for it and then when I called up at a later date I asked them to confirm, which they did.

Jono8 · 18 Mar 2012 at 00:38

[TW]Fox;21496095 said:
No.

"What a useful and insightful post. It really explained why you have the opinion you and definately aided the OP in his quest for the answer."

rodenal · 18 Mar 2012 at 09:07

A new certificate is definately issued every time you make a change to entitlements or other personal info on a policy. You may have to print it yourself depending on the insurer but it 100% will be issued

[TW]Fox · 18 Mar 2012 at 09:09

Jono8 said:
"What a useful and insightful post. It really explained why you have the opinion you and definately aided the OP in his quest for the answer."

No expansion needed - he was plain 100% wrong