named driver covered to drive other cars?

vikingaero

Quote wrote: »

I know what DOC is for, but I would still question it's application. I'd welcome anyone to give me an example where it would have to be used without an alternative.

DOC extension is often given on Commercial Fleet policies. Where can this be used? Well on our Policy it states something along the lines of:

"The Policyholder and insured drivers may drive a vehicle blah blah blah... and any vehicle obstructing access to/from the Insured Premises/place of work.

Quote

Dan_Smith wrote: »

So you think it's okay to break the law?

In a life and death situation I would have absolutely no problem breaking the law. I certainly wouldn't be fretting about picking up an IN10. There is an alternative in every emergency.

Dan_Smith wrote: »

The actual question you've failed to answer is why do you want it removed?

That would be because no-one has asked that question.

DOC will disappear altogether - or it will become an optional extension which you will have to pay for. It will stop people asking whether or not they have the cover and it will stop people thinking they can drive other vehicles when they can't, potentially reducing the number of endorsements for driving without insurance.

olly300

Quote wrote: »

DOC will disappear altogether - or it will become an optional extension which you will have to pay for. It will stop people asking whether or not they have the cover and it will stop people thinking they can drive other vehicles when they can't, potentially reducing the number of endorsements for driving without insurance.

The cheapest insurers tend not to offer DOC so you are actually paying for it.

missile

TighterThanTwoCoatsOfPain wrote: »

I havent seen you give any sensible advise for as long as I can remember. .

Nice one :rotfl:

R3negadeuk

OP.

All you have to do is ask whatever insurer you are looking to take a policy with. Most fully comp policies allow DOC.

To chip in on the rest of the discussion...

In a life or death situation, most insurance companies have a clause in the T&Cs called "Driving in a medical or motoring emergency" This basically means anyone can drive your car with your permission in such emergency. The cover would be the same as the initial cover of the policy.

DOC is valid on most fully comp policies as Dan Smith mentioned. There are also practical reasons for their being such cover.

At the end of the day, of anyone isn't sure they can drive someone else car, the shouldn't. Check the policy, and if need be contact the insurer to clarify.

if you pay money for a decent private insurance policy, and you have the cover you asked for and have read the ts&cs, then there are no issues with DOC cover whatsoever.

The only problem that really happens is when someone stacks their grandads brand new Merc into a wall driving DOC, cos the cover is TPO.

dacouch

R3negadeuk wrote: »

OP.

In a life or death situation, most insurance companies have a clause in the T&Cs called "Driving in a medical or motoring emergency" This basically means anyone can drive your car with your permission in such emergency. The cover would be the same as the initial cover of the policy.

The only problem that really happens is when someone stacks their grandads brand new Merc into a wall driving DOC, cos the cover is TPO.

Can you point us to an Insurer who covers a driver not covered by the policy to drive the car in a "Medical or Motoring Emergency".

The driving other cars extension is not always (Although very rarely) just third party only, as has been noted earlier in this thread

R3negadeuk

dacouch wrote: »

Can you point us to an Insurer who covers a driver not covered by the policy to drive the car in a "Medical or Motoring Emergency".

The driving other cars extension is not always (Although very rarely) just third party only, as has been noted earlier in this thread

Hi, I saw that mentioned in my dad's Saga policy when he asked me to check it a few months back.

I have just checked a few of the other big insurers and it seems to be a one off.

Hmmm so that leaves a grey area....

Hypothetically, if I were brutally injured in the middle of nowhere, and my passenger were fine, and we had no mobile, then there are 2 options - passenger break the law or I potentially die.

There is only one choice I would like to think most people would take. Given the extreme circumstances, I think the law would be bent slightly.

Think if a copper pulled you speeding with no insurance with someone half dead in the passenger seat on the way to the hospital. It is against the law, but I doubt there would be repercussions.

To be honest, I thought that after reading that clause once, it would be standard as to protect from the highly unlikely, but possible scenario above.

I think this needs looking into tbh...

masterlumps

R3negadeuk wrote: »

OP.

All you have to do is ask whatever insurer you are looking to take a policy with. Most fully comp policies allow DOC.

To chip in on the rest of the discussion...

In a life or death situation, most insurance companies have a clause in the T&Cs called "Driving in a medical or motoring emergency" This basically means anyone can drive your car with your permission in such emergency. The cover would be the same as the initial cover of the policy.

DOC is valid on most fully comp policies as Dan Smith mentioned. There are also practical reasons for their being such cover.

At the end of the day, of anyone isn't sure they can drive someone else car, the shouldn't. Check the policy, and if need be contact the insurer to clarify.

if you pay money for a decent private insurance policy, and you have the cover you asked for and have read the ts&cs, then there are no issues with DOC cover whatsoever.

The only problem that really happens is when someone stacks their grandads brand new Merc into a wall driving DOC, cos the cover is TPO.

yes for the policy holder...................but i was asking about the named driver not the policy holder, and most fully comp ploicies dont allow it

Quentin

masterlumps wrote: »

does anyone know of a company who does this?

we used to have it with saga, where the policyholder and the named driver were covered 3rd party to drive others motors

does anyone know of any other company that offers it on their policy?

RAC only give DOC to the main driver (so if your named driver is also the main driver they would get the DOC cover).