Quick car insurance question.

dacouch

Neil can you point out where in the More Than Policy it states that?

neilmcl

dacouch wrote: »

Neil can you point out where in the More Than Policy it states that?

If you insist.

Your policy is a contract of insurance based upon the record of information you have provided to us, the policy booklet, your schedule(s) and your Certificate of Motor Insurance.

No vehicle then the contract no longer valid.

This policy does not provide cover for the following:

A
Any car which you get to replace your car, unless you tell us immediately so that we can issue a new Certificate of Motor Insurance. If we do not issue a new Certificate of Motor Insurance you will not be insured to drive your new car

Do you want me to continue?

dacouch

As you well know the quote you have included refers to a replacement vehicle belonging to the policyholder not being covered unless he advises the Insurer. The OP is talking about her son driving other people's cars. So this has no bearing on the arguement over wether or not the policy will provide cover for driving other cars still.

Where does it state in the More Than Policy that no vehicle then the policy is no longer valid.

Please feel free to continue, to save you a bit of time looking through their policy you can also use the following if you like.

A GENERAL
We will provide cover under this policy only if the material information you gave us when applying for insurance
or when making a claim, either by speaking to us or on any document, is true as far as you know. You must have
asked all drivers who are to be covered by the policy any relevant questions you need to get this information.

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neilmcl

Don't worry I was saving that bit. I assume you don't believe in your own advice you've given in earlier threads:

This is because intentionally not declaring material information (Which a claim / accident / incident is) would on current rules be enough for an Insurer to void the policy.

or don't you believe that no longer owning the vehicle named on the insurance certificate is a material change. :rolleyes:

Also you didn't manage to talk your way out of my first quote from MoreThan.

hethmar

I think the fact it says whilst driving any OTHER car, indicates that they only cover you when you have the insured vehicle still.

dacouch

neilmcl wrote: »

Don't worry I was saving that bit. I assume you don't believe in your own advice you've given in earlier threads:

or don't you believe that no longer owning the vehicle named on the insurance certificate is a material change. :rolleyes:

Also you didn't manage to talk your way out of my first quote from MoreThan.

A Material Fact is something that you are obliged to declare when you TAKE out the cover or when you RENEW it.

pendulum

My insurance company (Quinn) does require me to "still have my vehicle" for the drive any other car cover to be valid.

7 you still have your vehicle and it has not been damaged beyond cost-effective repair.

I think some insurance co's will require this and some won't. Only option is to ask! I prefer email for this kind of thing as you get a reply in writing which is a billion times better than a reply over the phone where no record is kept.

Interestingly, with all the dents, scratches, stone chips and the odd rust patch on it now, my vehicle technically has been "damaged beyond cost-effective repair" because if I wanted to get all of those minor problems fixed, it would cost more than the car's worth! So I guess technically, even though I still have my car and use it every day, I'm still driving without insurance every time I use my drive any other car cover!

raskazz

dacouch is right. In this case, unless there is a stipulation regarding ownership of the 'schedule' vehicle in the wording of the driving other cars benefit on the certificate then he will still be covered to drive other cars.

raskazz

neilmcl wrote: »

Don't worry I was saving that bit. I assume you don't believe in your own advice you've given in earlier threads:

or don't you believe that no longer owning the vehicle named on the insurance certificate is a material change. :rolleyes:

Also you didn't manage to talk your way out of my first quote from MoreThan.

You are confusing two separate issues.

1) There is nothing in the policy to exclude driving other cars if the policyholder is not in possession of the schedule vehicle. Hence driving other cars does still operate as long as the policyholder complies with the requirements of that clause.

2) If the schedule vehicle has been sold, it is usually best to inform the insurer just in case the new owner has not insured it themselves, in which case you can get in a lot of bother. The insurer may then suspend the policy or give a reasonable time in which to substitute the vehicle on cover.

In general driving other cars does cease if the schedule vehicle is no longer in the policyholder's possession. But not with More Than.

raskazz

bungle4x4 wrote: »

your quite correct OP. as soon as the new buyer signs the v5 your sons insurance is no longer valid, as they do not insure him on a car he does not own.

everything else is wrong.

No, you have totally misunderstood the thread. The OP is referring to the 'driving other cars' clause in the policy, the function of which is to, funnily enough, insure the policyholder to drive cars which he does not own.