2nd car insurance quote

Quote

No, because you can't use a DOC extension on a car you already own. This prevents people having one policy and driving as many vehicles they own as they want to on said policy.

pborojon

obprestige wrote: »

The Driving Other Cars extension is only valid if the other car is insured by someone. It dosent matter who it is as long as you have permission to drive the car. This is what I was taught when working for a Car Insurance company.[/q
DOC's is not invalid if the car in question is not insured!! It depends on the insurer in questions wording. Quote is quite correct in this case though as the op owns both vehicles.

dacouch

mazza111 wrote: »

My policy states that I and my partner are insured to drive ANY car that we are NOT the registered keeper/owner of. Think the OP should recheck that insurance policy. It would be better to change the insurance on the car your selling and transfer the NCB to the new car.

Are you sure your policy covers you and your partner to drive other cars as this extension is normally only for the policy holder. You can check by reading your certificate

JMW77

You can only drive someone else's car on a third party basis if they have it insured fully comp.
If its YOUR second car you have to insure it yourself, every car has to have its own policy obviously, or everyone would have more than one car if they only needed one policy.

dacouch

JMW77 wrote: »

You can only drive someone else's car on a third party basis if they have it insured fully comp.
If its YOUR second car you have to insure it yourself, every car has to have its own policy obviously, or everyone would have more than one car if they only needed one policy.

This is a common myth, there are some policies that cover you to drive other cars (Subject to the normal restrictions) if you have a TPF&T or Third Party Only Policy. As always you would need to check your policy or check with your Insurers as not all companies offer the driving other cars for these covers.

In addition that every Comprehensive Policy covers you to drive other cars as some Insurers do not offer this extension for people with certain occupations eg people in the motor trade

pborojon

JMW77 wrote: »

You can only drive someone else's car on a third party basis if they have it insured fully comp.
If its YOUR second car you have to insure it yourself, every car has to have its own policy obviously, or everyone would have more than one car if they only needed one policy.

I really think peoiple need to think twice before posting "advice" I can categorically state that a car does not have to be insured for it to be covered under a driving other cars extension. Because of this there is an increasing amount of people using it to pick up friends vehicles who have been impounded for no insurance by the police.

dacouch

You cannot release a vehicle that the police have impounded by showing a certificate of insurance showing your have Driving Other Cars extension. For private car policyholders eg not motor traders they will only accept a certificate or a covernote (or a letter of indemnity if your lucky) which specifies the vehicle you are trying to release)

pborojon

dacouch wrote: »

You cannot release a vehicle that the police have impounded by showing a certificate of insurance showing your have Driving Other Cars extension. For private car policyholders eg not motor traders they will only accept a certificate or a covernote (or a letter of indemnity if your lucky) which specifies the vehicle you are trying to release)

Sorry that's not true, I've had numerous calls from the police re this and as the company I work for has a slack wording we can do nothing to prevent it.

dacouch

Your making sweeping statements based on your experience of working for one insurance company.

Most Insurers are now printing on their certificates "This certificate cannot be used to release a vehicle not named on the certificate from Use to secure the release of any Motor Car which has been seized or confiscated by or on behalf of any government or public authority.

http://www.miic.org.uk/documents/press_releases/ABI_news_release_DOC_wording_Feb_2007.pdf

If you speak to your underwriting department you will find they have either already started putting the statement on the certificates or intend implementing it in the near future

As stated the vast majoirty of police car pounds will not release a vehicle without a certificate or cover note specifically naming the vehicle.

Have a read of post 126 on this thread and read the posters point 4.

http://forums.moneysavingexpert.com/showthread.html?p=18810045&highlight=insuring+car+x#post18810045



The Insurers who issue temporary insurance eg Insure Daily also put a similar wording on their certificates

pborojon

dacouch wrote: »

Your making sweeping statements based on your experience of working for one insurance company.

Most Insurers are now printing on their certificates "This certificate cannot be used to release a vehicle not named on the certificate from Use to secure the release of any Motor Car which has been seized or confiscated by or on behalf of any government or public authority.

http://www.miic.org.uk/documents/press_releases/ABI_news_release_DOC_wording_Feb_2007.pdf

If you speak to your underwriting department you will find they have either already started putting the statement on the certificates or intend implementing it in the near future

As stated the vast majoirty of police car pounds will not release a vehicle without a certificate or cover note specifically naming the vehicle.

Have a read of post 126 on this thread and read the posters point 4.

http://forums.moneysavingexpert.com/showthread.html?p=18810045&highlight=insuring+car+x#post18810045



The Insurers who issue temporary insurance eg Insure Daily also put a similar wording on their certificates

Hang on a sec, you're the one making sweeping statements you're right most insurers are printing that on there certs but there are a few who are not. If I speak to my Underwriting department? I am the Underwriting department for my company so I know what I'm talking about thanks! I am not basing anything on working for one insurance company I'm basing it on my numerous years of experience working in the Underwriting industry. The vast majority of police pounds may not do that but there are also a number that clearly will!