Insurance cover on two cars

bhav27

Hi
I want to buy comprehensive insurance on my new car. Insurers normally ask for number of cars per household. They also specify that you can driver other's car which would be covered third party. Does that mean if I buy fully-comp insurance on one car would cover my other car third party (which is want I really)?

Quentin

The driving other cars extension usually states that the "other car" must not be owned by the policyholder.

lisyloo

Insurers normally ask for number of cars per household.

This is because you might get a discount for this, not to provide cover for it.

There are some companies where you can cover multiple cars e.g. ecarinsurance, but that particualr ompany has bad reviews and it won't necessarily be cheper than getting two policies.

Badger_Lady

Not sure, but I believe that your third-party insurance for driving other cars will only count if that car is already has insurance elsewhere..? Otherwise it won't be on the insurance database and could be stopped by the police, wouldn't be able to get tax etc...

GRM

Badger_Lady wrote: »

Not sure, but I believe that your third-party insurance for driving other cars will only count if that car is already has insurance elsewhere..?

That is correct.

lisyloo

Yes, I believe it's intended to provide the minimum cover for an emergency e.g. you are a passenger and the driver gets ill, so you can drive to get you home.
You need to bear in mind in this situation that it's only 3rd party.

You can't use it instead of an insurance policy and there is wording to stop this (the car needs to be insured seperately).

Quentin

lisyloo wrote: »

You can't use it instead of an insurance policy and there is wording to stop this (the car needs to be insured seperately).

No!

This is just a driving myth. (And done to death in threads here)

It's not just for emergency use - you can use the driving other cars extension "instead" of an insurance policy, (though the car won't be insured if left on the road).

You just cannot use it if you own the car.

Ian_W

I believe SOME insurers may require the vehicle to be insured elsewhere but by no means all.

I have just switched between 2 mainstream insurers (Saga to Churchill) and have both certificates to hand, neither require that the DOC car is insured but BOTH have the requirement mentioned by Quentin in his first reply. Namely that the car isn't owned, hired or leased by the policyholder (and in the case of Saga, the named driver). In fact, I can't ever remember having insurance that didn't have that requirement.

With regard to tax, DOC wouldn't be accepted to tax the car but if the car has current tax there is no problem with using it. When driving on DOC provision it would be sensible to carry the cert so that it can be produced if stopped by the police as the car won't be on the data base.

Quentin

Badger_Lady wrote: »

Not sure, but I believe that your third-party insurance for driving other cars will only count if that car is already has insurance elsewhere..?

As already posted, this is not usually the case at all.

And GRM was incorrect when he/she told you:

GRM wrote:

That is correct.