am i going mad? (odd advice from elephant)

Matt82

Matt82

Matt82

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Joined
13 Mar 2004
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right, due to my car being painted at the moment, i will have to borrow someone else's car for today.

i called elephant to confirm whether my policy had a drive other cars extension, and the lady confirmed that it does.

she then said 'so you can drive any other car on the road provided you have the owner's permission'

so i said 'but the other vehicle would have to be insured under the owner's own policy to make my DOC effective?'

she said no.... i can drive anything i like lol

have i missed something here?
 
Matt82 said:
right, due to my car being painted at the moment, i will have to borrow someone else's car for today.

i called elephant to confirm whether my policy had a drive other cars extension, and the lady confirmed that it does.

she then said 'so you can drive any other car on the road provided you have the owner's permission'

so i said 'but the other vehicle would have to be insured under the owner's own policy to make my DOC effective?'

she said no.... i can drive anything i like lol

have i missed something here?
Click to expand...


I think to leave a car on a public road it needs to be insured, whist you're driving it you're OK, but as soon as you park it up and leave it, it's technically uninsured.
 
How old are you by the way. Im 23 and dont have DOC with Elephant. I can drive my 300bhp MR2 yet they wont let me drive my mums 1.8D. :\
 
im 25 and the policy came with DOC. well the friend's car im borrowing is insured FC anyway, but ive got a feeling she was giving out dud information
 
As long as there is an insurance policy enforced on the car then you can drive any car with the owners permission. But only TPFT.
 
MrMatteh said:
don't think there has to be an active policy on it - that's only to leave it on the road
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EVERY car on the road has to have an insurance policy, DOC in itself isnt an insurance policy. Its Illegal not to have insurance. Thats irrespective if its in-use or not. If it is parked off the road and SORNd then no it doesnt, if it is in use and on the road then it has to have its own policy.
 
Sigh. Why do we get the same rubbish misinformation every time that this question is asked?

A car does NOT need to have its own insurance to be DRIVEN on a public road using DOC.
 
[TW]Fox;10166557 said:
Sigh. Why do we get the same rubbish misinformation every time that this question is asked?

A car does NOT need to have its own insurance to be DRIVEN on a public road using DOC.
Click to expand...

Where do you get that from? I was always told that DOC isnt a policy in itself on a car?
 
this comes up so often it should be in a sticky...(maybe it is??)

It's down to the insurance company that issues your DOC
for example mine quite clearly states that the other car requires its own insurance policy for me to drive it DOC. other policys state that there is no requirement for the car to have its own seperate policy. dont take anything as fact, always CHECK YOUR OWN POLICY..

that said as soon as you park up at the side of the road with one of the later policys and you leave the vehicle the plod can have it away and CRUSHED..


bullit
 
[TW]Fox;10166557 said:
Sigh. Why do we get the same rubbish misinformation every time that this question is asked?
Click to expand...

Because thats the same rubbish misinformation that some insurers give out? I'm sure I've read that in a policy booklet before :confused:
 
West said:
Where do you get that from? I was always told that DOC isnt a policy in itself on a car?
Click to expand...

Who were you told by?? Insurance documents (if you have DOC) normally specifically say that the car only has to have the permission to be driven, it doesn't have to have it's own insurance cover.

In the O/Ps case, even the insurance company have confirmed that the other car doesn't need it's own policy...
 
West said:
As long as there is an insurance policy enforced on the car then you can drive any car with the owners permission. But only TPFT.
Click to expand...


No, you're wrong. DOC covers remains intact whilst the vehicle is parked. We have had this argument more times than I care to mention.
 
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