Insuring Car X but then actually driving Car Y insured with your policy?

Quote

tomstickland wrote: »

Ask them for the policy terms and conditions and check it in detail.

OP - This is sensible advice.

Read this http://www.askaboutmoney.com/showthread.php?t=96492

The bottom line is that young people have been insuring vehicles for years. What I said earlier is a fact, there aren't any loopholes. You haven't suddenly discovered an amazing way of "beating the system". The reason no-one insures vehicles in the way you're suggesting is because it's a recipe for disaster and is pretty irresponsible, never mind the legal implications and the potential hassle involved.

Never insure a vehicle on the basis that you won't have to make a claim.

iceburn

Also OP, I just found out about this new law they planning on coming out. Post you the topic I just posted so you can read it there.

http://forums.moneysavingexpert.com/showthread.html?p=18120101#post18120101

Quentin

In the scenario we have here, the car will be insured by its owner, so that proposed new law is immaterial.

iceburn

know it will be covered, but just throught make him aware case decide for example might use first car for 6 months and other car for 6 months. But anyway I cant see the main problem it seem Quote can see in him doing this way? Since even going to that discussion it seem there was a restriction that state he can only drive a car that has the same or lower engine power as the car he currently insured. But that look like been removed as well.

Jakg

Rung Quinn again - Spoke to a different person, she confirmed that while other insurers put a minimum age on the policy or engine size Quinn do not - I explained that my Dad was looking to buy a new car and would I be authorised to drive it to work or to another place (specifically stating I could well be doing over 5,000 miles) and she said that was ok BUT that it was 3rd party only.

Will send a letter to them...

LadyIndecisive

I wonder how agreeable the OP's father is to OP's suggested action.

Jakg, one scenario to think about is that your Dad may have to lie to the insurer or to the court on your behalf. Is he happy to do so?

Lets say you have a moderate to serious accident in 'his' car and you are at fault. Quinn do a simple database check and confirm the policy your Dad has on 'his' car that you were driving. They ring the other insurer to check who the Policyholder is. They chose to interview your Dad about your usage of the car. The statement he gives could be for the court, in anticipation of litigation. If for some reason they have a suspicion they can interogate the databases further to establish that he has another policy on 'his real' car. Either way it's common that they will interview him. Something to think about, IMO.

Quentin

By mention of interrogating databases and litigation you are wrongly suggesting something illegal is being discussed here.

That is not so - something moneysaving is being explored, nothing more!

mattymoo

Quentin wrote: »

By mention of interrogating databases and litigation you are wrongly suggesting something illegal is being discussed here.

That is not so - something moneysaving is being explored, nothing more!

Ladyindecisive is on the right lines. Quinn are notorious for their stringent checks in the event of a claim. I'm not sure where the OP's idea falls down but if it does, Quinn would find it.

Quentin

Ladyindecisive has previously revealed "I work in insurance".

The post casting doubts does seem to be scaremongering - bearing in mind the exploratory nature of the thread, and the info passed on by Quinn already.

Jakg has put the scenario (doing 5000 miles a year using this extension) to Quinn who seem to be making a usp out of this feature of their policy (that it applies to drivers of any age and using any sized car).

And intends to get further written confirmation!

mattymoo

Jakg - I know you are with Quinn at the moment and understand you have the driving other car cover. Can you confirm that is from reading the policy schedule / cert and not the policy booklet. Reason I ask is this on the Quinn site -

Am I covered to drive other cars?
Provided you have a full EU licence, most of our policies cover the policyholder to drive someone else's car for third party only cover. Other restrictions may apply, please refer to your policy documents to confirm if this extension applies.