Driving another car on your insurance

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it says nothing in my policy about it having to be an emergency.......

I can drive cars that are insured (third party only obviously)




oh and will you please stop being so rightous....... cos your not :)




bullit
 
THE CHOPPER said:
Just because every insurance company don't put it on their policies don't mean it don't apply to them. Read the links properly :)
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Then what do you say to this:

http://www.askthe.police.uk/content/Q533.htm

?

This is the database that provides "up to date legal information, case law and standard offence wordings to police forces. Our customers are all 43 forces together with other recognised organisations within the Criminal Justice System, such as the Crown Prosecution Service", so I'm fairly confident it is correct. It clearly states there that it is up to the individual insurer "as these are the people he/she has entered into a contract with".

As my insurance co have not stated a condition in their documents, and when prompted on the phone agree that this condition does not exist, what basis is there to then say it does?

I'd appreciate a reply to this particular question, as it really is as concrete as concrete can be!
 
how can I be a muppet for quoteing whats in MY policy,,,,, I dont know whats in there's, when this thread started I looked around the innernet for proof that I was right( you cant drive DOC unless otherwise insured) I couldnt find any definative proof so I gave up and quoted what MY policy says.

as others had quoted the oppisite it gives a balance view to people just reading that all policys are not the same. and they should check theres and not assume that because all the people in this thread can they must be able to as well......


oh and I'm not going to argue about it, as I cant read thier exact policy wording, and I'm not an insurance expert, I have stated that this is MY policy

and I have no need to win an arguement that has no meaning, I just want to say that this is MY case.......




finished now...... did I mention this was MY policy wording.......




bullit :)
 
PMKeates said:
Then what do you say to this:

http://www.askthe.police.uk/content/Q533.htm

?

This is the database that provides "up to date legal information, case law and standard offence wordings to police forces. Our customers are all 43 forces together with other recognised organisations within the Criminal Justice System, such as the Crown Prosecution Service", so I'm fairly confident it is correct. It clearly states there that it is up to the individual insurer "as these are the people he/she has entered into a contract with".

As my insurance co have not stated a condition in their documents, and when prompted on the phone agree that this condition does not exist, what basis is there to then say it does?

I'd appreciate a reply to this particular question, as it really is as concrete as concrete can be!
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That doesn't even have a date on it. It could be pre 2005 which all the links I have provided display. How many more links do you need which state you can only do this in case of an emergency
 
Therefore please bear in mind that;
Cover to drive other cars is third party only. If the car a friend has lent you is stolen whilst you are driving it under this cover, your friend is not insured and will likely not be happy! Likewise any damage you do to your friend vehicle is not covered. For details of exactly what third party only cover is use the link.

You must have the drivers permission to drive the vehicle. This is pretty obvious but if you borrow a car without permission and crash it and you took the car without permission then you will face a driving without insurance conviction with serious consequences.

The car you drive must be owned and insured by somebody other than yourself. Many people make the mistake of driving cars they have just bought under an existing policy for a different vehicle - you are not covered if you do this. Likewise if a friend gives you loan of a car which they are not insuring, you cannot drive it under your driving extension.

http://www.17to40.co.uk/content/faq/Will_I_be_insured_when_driving_other_cars.html
Can I drive other people's cars under my own insurance?
No. The Driving Other Cars extension has historically allowed policyholders only to drive cars that do not belong to them and are not hired to them under a hire purchase agreement, subject to the owner's permission. The cover provided is Third Party only cover which does not cover damage to the car they are driving, but does cover liability for damage and injury to third parties. This cover operates only whilst the Policyholder is driving and was designed to be used in emergency situations only.

http://www.rac.co.uk/web/insurance/...questions;jsessionid=708BDB5A74B220D62F10#190


I could provide hundreds more.
 
THE CHOPPER said:
I could provide hundreds more.
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Please go ahead and waste your time, but you aren't posting one that applies to me. You are posting links to specific insurance companies websites and are quoting their restrictions. Many you'll find will say you must be over 25 - but we've already established that this isn't the case with all of them.
 
So "THE INDEPENDENT" is wrong. They're not all car insurance companies if you had read them properly you would've noticed. You just can't take it because you lost you poor loser, jog on :)
 
THE CHOPPER said:
So "THE INDEPENDENT" is wrong. They're not all car insurance companies if you had read them properly you would've noticed. You just can't take it because you lost you poor loser, jog on :)
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You nearly got the biggest LOL ever there.

I read the Independent article, and it was an interesting read on what COULD be happening before it happened. Not to mention there was a list at the end showing the insurer's that would not be following in NUD's footsteps.

I think you need to reassess what you consider as evidence to an argument, as your perspective is skewed and it is really starting to embarrass you here.
 
THE CHOPPER said:
All the insurance companies say the same thing, only in case of an emergency. It's not just one insurance company, Its insurance companies as a whole.
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No, it's not. The PNLD states that it is down to the individual insurer. Please provide a genuine law/act/authoritative answer that says otherwise and that counters the PNLD statement.
 
PMKeates said:
You nearly got the biggest LOL ever there.

I read the Independent article, and it was an interesting read on what COULD be happening before it happened. Not to mention there was a list at the end showing the insurer's that would not be following in NUD's footsteps.

I think you need to reassess what you consider as evidence to an argument, as your perspective is skewed and it is really starting to embarrass you here.
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Right so all these insurance companies are wrong, OK
 
THE CHOPPER said:
Right so all these insurance companies are wrong, OK
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No, those insurance companies are right, but for their policies. All insurance companies do not offer the same policy. If that was the case, everyone would have the same level of cover - and they don't. There is not one car insurance policy that everyone has, and as such different conditions and exemptions exist dependant on the policy.

This is why I, at 20, am able to have a DOC extension on my Bell policy, yet someone with NUD may have to be 25, for example.
 
PMKeates said:
No, those insurance companies are right, but for their policies. All insurance companies do not offer the same policy. If that was the case, everyone would have the same level of cover - and they don't. There is not one car insurance policy that everyone has, and as such different conditions and exemptions exist dependant on the policy.

This is why I, at 20, am able to have a DOC extension on my Bell policy, yet someone with NUD may have to be 25, for example.
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Sorry but you're just so plainly wrong and I have proven it. Kazm who has been in the trade for ten years told you and you still won't have it. If you read all the links properly you will realise that it doesn't depend which insurance company it is. Insurance companies limit the age you have to be to have DOC or whether to offer it in their policies at all, that I admit varies between different insurance companies but the fact remains the use of DOC is for in EMERGENCY SITUATIONS ONLY.

Just read the links properly, how many times does it say DOC is for emergency use only
 
THE CHOPPER said:
Sorry but you're just so plainly wrong and I have proven it. Kazm who has been in the trade for ten years told you and you still won't have it. If you read all the links properly you will realise that it doesn't depend which insurance company it is. Insurance companies limit the age you have to be to have DOC or whether to offer it in their policies at all, that I admit varies between different insurance companies but the fact remains the use of DOC is for in EMERGENCY SITUATIONS ONLY.

Just read the links properly, how many times does it say DOC is for emergency use only
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Till your face turns blue for all I care.

I am going to say this though:

I think KASM's "ten years" in the industry are worth little. Many people think working for someone back when the world was flat means that they know the ins and outs of the cats bottom, but it's rarely the case. His OPINION on the matter is not going to prove anything.

You are also proving yourself to be incapable of providing a genuine item to even remotely backup your theory.
 
merlin said:
Don't have the time to read through all this.

If someone has a clear question they want answered - fire away.
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Well, the crux of this argument has centred around the conditions of DOC cover.

I today have read through all my documents, and found there to be no condition that the car I drive on DOC must be insured elsewhere. Curious, I telephoned my insurance company, and they did confirm that this condition is not applicable - that I can drive cars that are not insured elsewhere.

http://www.askthe.police.uk/content/Q533.htm

Here it states that the application of DOC restrictions regarding cars being insured elsewhere are insurer dependant.

So, on the whole, what law prevents me from driving a car, DOC covered, that isn't insured elsewhere?

Please answer. For my sanity, I beg you! :(
 
merlin said:
Don't have the time to read through all this.

If someone has a clear question they want answered - fire away.
Click to expand...

To sum it up Merlin... :)

There are some people here who are adamant that DOC cover requires a separate policy to be in force on the vehicle.:rolleyes: Supposedly from people with "10 years insurance industry experience"...
 
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