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

silvercar

I've not known a TP, F &T policy to give you cover on driving another car.

When your Dad takes out his insurance he will be asked if he is the main driver [ of his car]. The correct answer is that he is not, it will be driven by someone else on their own insurance. He may find that this puts some insurers off. For example, if the car was stolen, your Dad would claim; but you using the car increases the risks of it being stolen.

Quentin

If there are no named drivers, then the "main driver" question isn't applicable, and doesn't usually get asked.

silvercar

From the policy document:

"Driving other cars
If your certificate of insurance says so, we will also cover you, the
policyholder, for your liability to other people while you are driving
any other private motor car which you do not own or have not
hired or leased, as long as:
1 the vehicle is not owned by your employer or hired to them
under a hire-purchase or lease agreement;
2 you currently hold a full European Union (EU) licence;
3 the use of the vehicle is covered in the certificate of
insurance;
4 cover is not provided by any other insurance;
5 you have the owner’s permission to drive the vehicle;
6 the vehicle is in a roadworthy condition; and
7 you still have your vehicle and it has not been damaged
beyond cost-effective repair."

What does point 3 mean?

Quentin

If you are (for example) using the vehicle for business purposes, then that use must be also shown on your certificate.

Jakg

LadyIndecisive wrote: »

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

Unless I get everything in writing he wouldn't do it anyway - he's an !!!!.

LadyIndecisive wrote: »

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.

Why will he have to lie? He can say he never drove the car - ALL It says is that the car must not belong to me (which it doesn't).

mattymoo wrote: »

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 -

The document says that I can as does the T&C's - as does the 2 people I've spoken to at Quinn who took my policy number.

silvercar

Some things I find unusual:

That you can get cover to drive other cars on TPF&T.

That a young driver can get "drive any car" on his main policy.

That you don't need to declare if a car will be mainly driven by someone else not on your policy.

Why hasn't this been spotted before. I'm sure german owners clubs and the like would have been sharing this information for years.

Quentin

The Quinn "driving other cars" deal being discussed does seem unusual - maybe unique?

mattymoo

Because the insurer in question is not noted for their customer service - nearly bottom of the league table I posted recently. Fine if you are only TPFT but if you have fully comp on a high value sports car, probably not what you are looking for.

Quinn have also had regulatory problems in Ireland and received a large fine (or one of their directors did). They do not have a very good reputation in the industry.

Rolandtheroadie

I can say that you can definately get cover to drive another car on some TPFT policies. I've only went fully comp in May (Never been fully comp in 16 years driving until then) and have always been covered for other cars on a 3rd party basis.

LadyIndecisive

Quentin wrote: »

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!

Why on earth is pointing out what might happen in the event of a claim scaremongering? I am pondering if the OP's father is comfortable with the idea as a whole, and whether he would be comfortable giving a statement (I didn't mention it was illegal, litigation refers to the civil court and I wasn't talking about any kind of criminal action - I was talking about civil litigation in the event of a claim where one signs a statement of truth to accompany the statement) confirming he owns the car, if he received money for the car from his son.

And, yes I do work in insurance. Not sure what your point is there.