combined car and van insurance ?

pitkin2020

Actually Raskazz does appear to be right. The information I gave was the info I was always given by Norwich Union Direct so was always led to believe it was right. I just did a quick search and it appears as long as you don't own the car nor is it a hire car and your insurance allows it you will be covered 3rd party. Obviously you also need permission from the owner.

It appears a lot of insurers are removing the "driving other cars element" or at the very least for over 25's only.

Edit, there seems to be a lot of conflicting info, I would say its best to speak with your own insurer as others are saying some insurers require the other car to be insured others it doesn't matter.

dacouch

Pitkin as you have discovered, a lot of Insurance Call Centre Staff also believe the urban myth about the other car needing to ne insured or they do not know so just state it has too be. (There are four companies I know who do actually state the other car must be insured in their policies, the rest do not specify it).

Here is the relevanty wording from your Aviva policy.

Driving other cars:
We will insure you whilst you are driving
any other car within the territorial limits
providing:
The car does not belong to you or is
not hired to you under a hire purchase
agreement,
you are driving the car with the owners
express consent,
you still have your car and it has
not been damaged beyond cost
effective repair,
you are aged 25 or above,
your certificate of motor insurance
indicates that you can drive
such a vehicle

http://www.aviva.co.uk/library/pdfs/car/NMDOC5616.pdf (PAge 16)

pitkin2020

Dacouch, thaks Paul im not actually with Aviva, the info I was given was back in 2001 & 2002. It's good to know though.
I really should check if I am covered driving other cars with swift cover as it never occurred to me to check it.

Where do you stand then if the car is insured already by the owner, does your insurance still only cover you 3rd party? If you were to have an accident what if any involvement would the owners insurance have in the event of a claim?

dacouch

Ah Swiftcover are a law unto themselves when it comes to car insurance, they do actually specify in their policy the other car has to be insured. They have a lot of unusual quirks in their policy

• any car driven by you, with the owner's express consent, within the UK as long as:
  • that car does not belong to you;
  • the car is insured by the car owner and you are entitled by the certificate to drive such a car;
  • the car is not hired to you under a hire purchase agreement;
  • you are permitted by the car owner to drive the car.

http://www.swiftcover.com/carinsurance/policy/liability/

The owners insurance have very little to do with the claim once they realise the claim is covered by another insurance policy

pitkin2020

dacouch wrote: »

Ah Swiftcover are a law unto themselves when it comes to car insurance, they do actually specify in their policy the other car has to be insured. They have a lot of unusual quirks in their policy

• any car driven by you, with the owner's express consent, within the UK as long as:
  • that car does not belong to you;
  • the car is insured by the car owner and you are entitled by the certificate to drive such a car;
  • the car is not hired to you under a hire purchase agreement;
  • you are permitted by the car owner to drive the car.

http://www.swiftcover.com/carinsurance/policy/liability/

The owners insurance have very little to do with the claim once they realise the claim is covered by another insurance policy

By the certificate? what does that exactly mean?

EDIT, found it lol it was a link DUH!! Thanks for that some really useful info.

dacouch

Personally I would recommend you give Swift the big swerve, their claims service can be really poor and they have unusal things in their policy

timmay2010

Thanks for the post.