Did you know? You may be able to drive someone else's car on your insurance.

Bossyboots

p1an0player wrote:

If I may resurrect this thread..

I have been discussing this "Driving Other Cars extension" with someone who believes that he can allow any adult over 25 with a licence to drive his car, on his insurance, regardless of whether the person driving is insured elsewhere.

Can anyone back me up when I say that's not true? Is it not the case that the person driving, if not insured elsewhere, would need to be a named driver on the insurance?

You would have to look at his policy. Until last year my MIL had a policy whereby anyone over 25 with a licence could drive her car.

She took this out so that if she got into difficulties while out driving anyone in the family could have gone to help her or collect her car.

ianonline

Bossyboots wrote:

You would have to look at his policy. Until last year my MIL had a policy whereby anyone over 25 with a licence could drive her car.

Yep, it entirely depends on what type of cover the policy-holder specifies when they take out the policy, which will obviously be reflected in the premium ie the more people who are covered, the higher the premium.

ie cheapest cover is for "insured-only" (ie just the policy-holder)
the most expensive cover is for "any driver" (ie anyone with a valid licence)
and in between you could have "insured plus spouse", "insured plus named driver(s)" or "any driver over 25" etc. Higher excess will also apply in the case of drivers under certain ages (eg 21 or 25).

This is completely separate from "driving other cars" extension which only covers the policy-holder third party to drive other cars, whereas someone else driving your car would be fully covered for damage to your car if you have fully comprehensive cover for "any driver" (albeit it is your no-claims bonus at risk, not the person who is driving !!)

ianonline

Just thought I'd revive this thread because I want to ask:

Can anyone "in the know" confirm whether this "DOC" cover only applies to fully comp policies?

I know Martin's original post states this, and I suppose the obvious response would be "it depends on the insurer" or "you need to check your policy", but I was just wondering if anyone knows, as a GENERAL RULE, whether this cover usually applies to TP(FT) policies? :think:

Kiri-Heres

No, third party+fire and theft policies also can include the d.o.c. section, which means that you can drive any other vehicle (not belonging to you!): but you ONLY have that element of t.p. cover : so if you are driving your brother's car, for example there is no automatic comprehensive cover per se : he would have to claim against you and your Insurer would pay him, if at fault.D.o.c. extensions were more usual in the 'old days' ~ today because of certain abuses it can be curtailed (i.e. to garage servicing staff only) or deleted (on cheaper policies) ~ almost certainly deleted for young drivers. Simply check with Broker/Company if they will include & with what restrictions (if any)~ they will advise you.

losgiganteskid

ianonline wrote:

Just thought I'd revive this thread because I want to ask:

Can anyone "in the know" confirm whether this "DOC" cover only applies to fully comp policies?

I know Martin's original post states this, and I suppose the obvious response would be "it depends on the insurer" or "you need to check your policy", but I was just wondering if anyone knows, as a GENERAL RULE, whether this cover usually applies to TP(FT) policies? :think:

Sorry Ianonline but there is NO GENERAL RULE. - This is definately a case of looking at the wording of your insurance certificate very carefully, some insurers allow DOC other do not, same applies whether your cover is Comp, TPF&T or TPO

Idiophreak

Does anyone know if there's normally an age limit on this.

My gf seemed to think we're not allowed to drive other cars til we're 25 (we're on direct line), but it would be really handy.

ianonline

Kiri-Heres wrote:

so if you are driving your brother's car, for example there is no automatic comprehensive cover per se : he would have to claim against you and your Insurer would pay him, if at fault.

This is another area that confuses me - ie who actualy constitutes a "third party".

If I was driving my brother's car using my DOC cover and I crash into someone else (Joe Bloggs) and it was my fault:

• obviously, Joe Bloggs is a third party, and my insurance would pay to repair his car.
• are you saying that my brother is also classed as a third party and my insurer would also pay to repair his car (albeit that he would effectively have to "sue" me and I would make a claim on my insurance ?)

I always assumed that this "Third party" DOC cover effectively meant you were driving someone else's car at your own risk, so if you damaged it, then there would be no payout by the insurance company. This is something I referred to earlier in this thread when Martin said he was driving a friend's Merc sports car (and someone else said they'd been driving a friend's Aston Martin on their DOC cover :eek: )

ianonline

Idiophreak wrote:

Does anyone know if there's normally an age limit on this.

My gf seemed to think we're not allowed to drive other cars til we're 25 (we're on direct line), but it would be really handy.

I think we've established that the general rule is "there's no general rule" :doh: (especially given that some insurers have recently changed their policies and dropped the DOC cover - see discussion earlier in this thread).

If you can drive other cars, it will be clearly stated on your certificate of motor insurance along the lines of:

"The Policyholder(s) may also drive with the consent of the owner a private motor car not belonging to him/her and not hired to him/her under a Hire Purchase Agreement......"

Miss_money_2

Hi

My query is car insurance but on a differen slant.

please see the link below

http://forums.moneysavingexpert.com/showthread.html?t=72&page=24

Miss_money_2

Hi

My query is car insurance but on a differen slant.

please see the link below

http://forums.moneysavingexpert.com/showthread.html?t=72&page=24