DOC cover

The_Dark_Side · 4 Nov 2009 at 18:13

Muncher said:
Sure you can but you will be driving it third party only, so meaning it's highly risky unless it's a low value car.

True but when talking about younger drivers with aspirations bigger than their wallets, all they care about is being legally able to drive. The level of cover (or lack of) doesn't phase them because, of course, they're not going to crash.....are they?

ZG002 · 4 Nov 2009 at 18:16

I have yet to come across a insurance company in recent years that offer DOC to anyone under 25 tbh.

Most I think you also have to ask for it and will most likely incur extra cost.

Muncher · 4 Nov 2009 at 18:17

The_Dark_Side said:
True but when talking about younger drivers with aspirations bigger than their wallets, all they care about is being legally able to drive. The level of cover (or lack of) doesn't phase them because, of course, they're not going to crash.....are they?

But you won't generally get DOC cover at 18, I only got it on my last policy at 25.

[TW]Fox · 4 Nov 2009 at 18:20

The_Dark_Side said:
True but when talking about younger drivers with aspirations bigger than their wallets, all they care about is being legally able to drive. The level of cover (or lack of) doesn't phase them because, of course, they're not going to crash.....are they?

They can't legally drive it anyway, DOC does not apply to cars you own. If you buy it and register it in your Dads name, then you still own it. The Registered Keeper is just that, the registered keeper, not the legal owner.

The_Dark_Side · 4 Nov 2009 at 18:21

Muncher said:
But you won't generally get DOC cover at 18, I only got it on my last policy at 25.

Even so, premiums for some cars are still high for the 25 y/o driver and this sounds like a loophole to me.

[TW]Fox · 4 Nov 2009 at 18:22

The_Dark_Side said:
Even so, premiums for some cars are still high for the 25 y/o driver and this sounds like a loophole to me.

Such as what, I can insure a Porsche 911 GT2 for £790 now. Just what would you need to drive age 25 to make illegally driving around on TPO DOC a viable plan?

jaykay · 4 Nov 2009 at 18:22

Reason why there are some limits. Like no cars over 3 liters, no 4x4 etc.
Restricts this loophole.

[TW]Fox · 4 Nov 2009 at 18:24

jaykay said:
Reason why there are some limits. Like no cars over 3 liters, no 4x4 etc.
Restricts this loophole.

There are no such limitations on my DOC extension.

ZG002 · 4 Nov 2009 at 18:25

jaykay said:
Reason why there are some limits. Like no cars over 3 liters, no 4x4 etc.
Restricts this loophole.

My DOC don't have any of that on it from what I can see. I will have to double check the small print though

jaykay · 4 Nov 2009 at 18:26

[TW]Fox;15246245 said:
There are no such limitations on my DOC extension.

Oh fair enough, the car im driving to the garage is only a 1.6 so its doesnt matter if they were there.

Lopéz · 4 Nov 2009 at 18:26

jaykay said:
Reason why there are some limits. Like no cars over 3 liters, no 4x4 etc.
Restricts this loophole.

I have never seen a DOC policy with limits like you describe.

DOC does not generally need the other car to be on it's own policy of any description. But check with your insurer just in case.

There's another reason why DOC is no good for driving "Dad's

" Evo uninsured.....how are you going to tax it?

The_Dark_Side · 4 Nov 2009 at 18:33

[TW]Fox;15246217 said:
They can't legally drive it anyway, DOC does not apply to cars you own. If you buy it and register it in your Dads name, then you still own it. The Registered Keeper is just that, the registered keeper, not the legal owner.

How could they prove it wasn't your car if your father was the registered keeper?

The_Dark_Side · 4 Nov 2009 at 18:36

[TW]Fox;15246229 said:
Such as what, I can insure a Porsche 911 GT2 for £790 now. Just what would you need to drive age 25 to make illegally driving around on TPO DOC a viable plan?

For you, it's not viable.
Strangely though, not every thread in here is about you so look at the wider picture.

25 y/o living in Hull with no NCD wanting to drive an Evo 4.
I'd hazard a guess that the premium will be a lot bigger than the same person insuring a 1.0 corsa.

Edward01 · 4 Nov 2009 at 18:37

If the car isn't insured by anyone you'll get stopped every time a policeman with ANPR goes past. They check to see if any insurance is present on the car, if it isn't they pull you over.

ZG002 - There are ~ 4 or 5 companies I can think of that will still offer under 25s DOC. A lot less than there used to be 4 years again.

ZG002 · 4 Nov 2009 at 18:48

Edward01 said:
If the car isn't insured by anyone you'll get stopped every time a policeman with ANPR goes past. They check to see if any insurance is present on the car, if it isn't they pull you over.

Police ANPR database is out of date sometimes.

I know I've been pulled for "no insurance" showing when my car had been insured for months.

Which company's offer DOC under 25?

Trifid · 4 Nov 2009 at 18:52

ZG002 said:
Which company's offer DOC under 25?

Bell offered it to me for £35 (at 18).

SGWills · 4 Nov 2009 at 18:55

Trifid said:
Bell offered it to me for £35 (at 18).

bell stopped doing flexi policys now so its 25 years or older now

Trifid · 4 Nov 2009 at 18:55

SGWills said:
bell stopped doing flexi policys now so its 25 years or older now

Looks like I won't be getting it again at renewal time. Not used it anyway...

ZG002 · 4 Nov 2009 at 19:00

Yeah don't think I will have to use mine. Can't imagine many people really use it often at all. I see it more as an emergency thing in case I'm away and the driver gets ill or for some reason can't drive

Conscript · 4 Nov 2009 at 19:06

ZG002 said:
I have yet to come across a insurance company in recent years that offer DOC to anyone under 25 tbh.

Most I think you also have to ask for it and will most likely incur extra cost.

Quinn Direct (the company in question in the OP) offer it at no extra cost, even to those under 25. Ive been with them for the last 3 years and I too was surprised to find that they offer it; Im currently 24.

Ive just had my renewal through and was going to shop around for a different insurer, but as Quinn offer DOC, I am going to go with them for another year; it's a handy thing to have, as I sometimes need to drive my parents cars, my sisters and sometimes my girlfriends car too. Ill be 25 in August, so come next renewal, other companies will probbaly offer to me anyway.