Warning. Driving other cars , not insured!

[geo555]

Just read this on Auto Express's website

www.autoexpress.co.uk/news/60745/fully_comp_cheats_targeted.html

Something to be aware of when driving someone elses car.

[N9eav]

It's a handy thing to be able to use a car and be insured under your own protection. But I always get nervous in case something should happen to it, if it was my fault. One thing to remember under the current rule is. The car must be owned by someone else. You can't drive a car you own on the insurance of another car you have insured.

[Helen from yorkshire]

CIS are also introducing this on all motor policy renewals after 1 September 2005 and state:

"Third party indemnity whilst you are driving another vehicle is not generally available except in certain circumstances".

[balsingh]

I reckon they are making a moutain out of a molehill. There's probably very few drivers who abuse this by insuring a small car and driving a bigger one.

Be serious - if you owned a Porsche, woudl you let someoene else drive it on a DOC extension?? I know I woudln't!

I don't see what the problem is. If someone wants to insure a Fiesta and then drive around in someone else's Porsche (if the owner lets them), if an accident occurs, the third party is covered and the driver/owner of the Porsche has to suffer the repair bill.

TO be honest, by removing the DOC extionsion, it will lead to a lot more people taking the risk of driving uninsured. Perfect example would be someone who gets a leg injury whilst playing a sport, so their mate has to drive them home.

[Fran]

I agree with balsingh. Is it just a ploy to get more money out of us, ie in order to drive someone else's car they would have to add us to their insurance? It would be very inconvenient at those odd times when it is necessary to drive someone else's car for an emergency reason and I can only see people risking driving uninsured, especially for one-off's. What about garage owners? Will you have to add them to your insurance in order to get an MOT test drive or will they be exempt?

[Helen from yorkshire]

What about garage owners? Will you have to add them to your insurance in order to get an MOT test drive or will they be exempt?


I would imagine garage owners who regularly drive customers cars for MOTs and after they have repaired a fault to check the car is running propely would be insured separately and under some form of insurance that garages would need to take out otherwise you could have a garage owner who did not own a car driving your car uninsured, unless you were insured "any driver".

[jockettuk]

what abt 2 car familys .. if the wife/gf/bf etc lol wants to drive there other halfs car what happens there does this mean you have to take out a named driver on your insurance therefore bumping up the price

[Dave G]

Some insurers already don't include cover for other vehicles with a fully comp policy. As for driving other half's vehicles, I would always want to be a named driver because it means I am insured fully comp if the car is already fully comp, and it can often reduce the premium not increase it!!

[Helen from yorkshire]

what abt 2 car familys .. if the wife/gf/bf etc lol wants to drive there other halfs car what happens there does this mean you have to take out a named driver on your insurance therefore bumping up the price


Spouses (unsure whether this includes partners/b/gfriends) can often be added to a car insurance policy at no extra cost. Make sure you add them as a spouse tho as if you are added as a named driver this can sometimes increase the cost.

[BobToo]

I've seen insurance policies that exclude driving of other cars in the same household and I think they all frown on any kind of unspecified regular use.

Motor traders have their own insurance which covers them for any vehicle.

[jockettuk]

this is going to be confusing soon.. im moving in with my b/f next yr, we both have fully comp on our cars and at the moment both able to drive each others cars.. will i be classed as a spouse as im living with him will have to find out..

Trouble with all this is you dont find this information online when you filling in there forms and if you dont do it online you dont get a discount arghhh...

[Donger20]

In the article Norwich Union is giving the example of a Porsche owner. I think anyone with a high value car would be mad not to insure it. What if it is stolen or catches fire!!!

I always thought that the rule only applied if I was driving another car with permission which was insured.

If this is not the case then the insurance companies could clarify the rule by stating this clearly and saving us all a lot of confusion.

Donger