Car insurance search- need to drive other cars

Volcano

Does a car insurance comparison site exist that allows you to check whether the quote covers you to drive other cars 3rd party?

I need to do this very occasionally, though it seems that the sites I've tried don't specify whether this is provided in the policy description (Direct Line say you're covered if it says so on your insurance certificate, which of course you only receive if you pay for the cover :rolleyes:).

I'm sure I saw an ad on the TV that showed a site where you can tick your preferences, but haven't found it yet.

Any ideas?

raskazz

Whether you receive the entitlement to drive other cars can depend on a few things: Your age, the policy cover and your occupation/line of business. It would be best to call some insurers which you think you might go for and ask them whether you would be entitled to it under their policy.

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Volcano wrote: »

Does a car insurance comparison site exist that allows you to check whether the quote covers you to drive other cars 3rd party?

I need to do this very occasionally

Why?

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Quentin

With online companies, this is often covered in their website's FAQ's.

olly300

Quote wrote: »

Why?

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What a strange question.

Why do you think that someone else would need to drive someone's car? I can give you two situations I've been in accidents to the car owner meaning they can't drive and get their car home and having to move a car on the public highway as another car is blocked in.

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It's not really a strange question, it's a pretty straightforward one. DOC is a nice contingency, granted, but I've never viewed it as anything other than that, and certainly haven't ever sold an insurance policy on the strength of it. In that respect I don't understand why it would be a pre-requisite for purchase.

My advice to anyone has always been the same. If you're going to drive a vehicle any distance then you should be named on the policy to avoid to take advantage of full policy cover.

Moving a vehicle after an accident isn't a brilliant example.

Quentin

It's an obvious advantage of a policy. Don't know why you can't see that and want examples.

Wouldn't most drivers would choose a policy that included it over one that didn't?

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Quentin wrote: »

It's an obvious advantage of a policy. Don't know why you can't see that and want examples.

Wouldn't most drivers would choose a policy that included it over one that didn't?

I'm not denying its advantages, as I've already implied ^^^ but it's not exactly top of the list. I haven't driven a car under a third party extension for over ten years.

Quentin

Many others do it regularly. Each to their own! We are adults and appreciate the difference between third party and comprehensive insurance.

olly300

Quote wrote: »

Moving a vehicle after an accident isn't a brilliant example.

If you drive somewhere do something and twist your ankle so badly you can't drive back then it's good to have a trusted friend who will drive your car back for you rather than leave it 50 miles away, or in a zone where your car will receive a ticket.

What sort of accident did you think I mean?

raskazz

There's been a lot of discussion over the DOC extension in the industry since the Greenaway report. IMO too much fuss is made over DOC - it may be abused by a minority of policyholders but to many it is a useful backup element of their cover. Having said that, more could be done to educate policyholders of the nature of the DOC cover - eg that it ceases to be effective if the insured vehicle is a total loss or is otherwise disposed of.