Driving another car with owners permission

Dan_Smith

EdGasket wrote: »

Am I still covered to drive it on my own insurance under the 'driving other cars' clause? The car is taxed and MoT'd.
(I suspect the answer is no but then if that is the case, whose policy would I put the claim through if I had had an accident while my son's insurance was still active? Presumably my own as I am not covered on his. Therefore why shouldn't I be able to continue driving it under my own insurance cover for 'other cars' even though his insurance has run out?)

:eek:

I wouldn't risk driving someone else's car with third party cover with all the winter weather that's on the way. It isn't worth falling out with your son if you ever damaged the car, or even some scumbag doing a hit and run on you.

The overall risk isn't worth it in this winter weather.

JimmyTheWig

Check the wording of your insurance. Unless this says the other car has to be insured in its own right then you're fine to drive it (but not insured to park it on the road).

You'll need your son to insure it in order to renew the tax, however.

Quentin

Dan_Smith wrote: »

I wouldn't risk driving someone else's car with third party cover with all the winter weather that's on the way. It isn't worth falling out with your son if you ever damaged the car, or even some scumbag doing a hit and run on you.

The overall risk isn't worth it in this winter weather.

All third party policyholders are in the same boat, they drive in the knowledge that they are at risk should their own vehicle be damaged.

But you are scaremongering regarding being hit by a hit and run (or an uninsured driver). All drivers have recourse to the MIB for cover if involved in such cases.

lisyloo

But you are scaremongering regarding being hit by a hit and run (or an uninsured driver).

I think it is a good point by Dan though to point out that should you have any accident then you will be not be able to use the facilities afforded by fully comp insurance.

One of the good things about fully comp in a non-fault accident is that you can get your car back on the road ASAP and often have a hire car whilst repairs are carried out.
If you don't have your own insurance and are claiming from another insurance then it could take many months to get paid out.

Where it's someone else's property at stake it is certainly worth considering the impact on the relationship if the worse happens especially if you cannot affosrd to fork out for the repairs yourself.
Even if it's entirely not your fault, you will inevitably feel somewhat reponsible if the other person is greatly inconvenienced and has to wait a long time for a payout.

Of course if you are at fault then there won't be any payout at all.

Quentin

lisyloo wrote: »

I think it is a good point by Dan though to point out that should you have any accident then you will be not be able to use the facilities afforded by fully comp insurance.

One of the good things about fully comp in a non-fault accident is that you can get your car back on the road ASAP and often have a hire car whilst repairs are carried out.

As pointed out, those of us who have to manage with third party cover are not so underprivileged as you seem to imply.

We can still make use of the MIB should we be involved in hit and runs or uninsured drivers, and of course being involved in a non fault accident makes no difference at all. We still are eligible to get a hire car etc all paid for by the liable party, just like you with your comprehensive policy!

Quentin

Dan_Smith wrote: »

Also has the op been given permission to drive the sons car (isn't that a condition of DOC)?....you just don't read comments properly!! I never said the other party was uninsured, insured people do hit and run also.

1) You wouldn't be asking that question regarding permission if you had read the OP's post "properly", as you now patronisingly suggest I start doing with yours.

2) What do you mean "insured people do hit and run"? It makes no difference if you get damaged by a hit and run, you can use the MIB.

But if you can identify the "hit and run", and discover they are insured, then you claim off them, irrespective of your own inurance cover don't you?

lisyloo

As pointed out, those of us who have to manage with third party cover are not so underprivileged as you seem to imply.

I don't think you've read my post properly (I assume you are replying to mine as you quoted it).

We can still make use of the MIB should we be involved in hit and runs or uninsured driver

Agreed. But will the MIB put your car in a garage the next week and give you a hire car straightaway like with fully comp?
My mum had an incident with an untraceable driver and it a while to establish that the driver was in fact untraceable as the address given did exist (it was just nothing to do with the driver).

I don't think you read my post properly, because I didn't say you wouldn't get paid out. I was pointing out that the timescale could be different by months.

and of course being involved in a non fault accident makes no difference at all

Sorry don't get your point here.
If you have a non-fault accident and are fully comp you can calim ASAP and get your car in the garage next week subject to availibility.
If you are not fully comp and go through the other insurer or the MIB then it will most likely take months. To prove a driver is untraceable they first have to attempt traces which can take some time for example if the address is valid they will attempt contact and wait for a response.

We still are eligible to get a hire car etc all paid for by the liable party, just like you with your comprehensive policy!

It will not be paid for up front by the liable party.
I never said you would not get paid out.
The point of my post was that you won't get the money up front.

You could of course get a credit hire firm involve.
I think we can justifiably give some warnings about SOME of these companies (not scaremongering in my opinion but justifiable warnings).
These comapnies sometimes charge lots of money and make you sign to say you are ultimately liable.
So if (for example) the accident turned out to be a fault accident OR the insurer won't pay exorbitant charges then you may well find yourself being take to court for a large hire car bill.

You are absolutely not entitled to repairs and hire car free of charge and free of any liability up front without full comp.

lisyloo

But if you can identify the "hit and run", and discover they are insured, then you claim off them, irrespective of your own inurance cover don't you?

I agree.
But if you have your own insurance you can go through your own insurer for convenience (or go direct if you prefer).
If you don't have your own insurance you don't have that option and either have to go direct or get credit hire firms involved. There are pitfalls involved in both options (and downside to using your own insurance as well e.g. loss of NCB temporarily).

Dan_Smith

Quentin wrote: »

1) You wouldn't be asking that question regarding permission if you had read the OP's post "properly", as you now patronisingly suggest I start doing with yours.

2) What do you mean "insured people do hit and run"? It makes no difference if you get damaged by a hit and run, you can use the MIB.

But if you can identify the "hit and run", and discover they are insured, then you claim off them, irrespective of your own inurance cover don't you?

1) The op said:

EdGasket wrote: »

My insurance says I am covered to drive any other car with the owner's permission.

They never actually said they were given permission by the son to drive his car under the op DOC, that is what I meant. If the son had fully comp he may not be happy for his father driving it only third party.

2) Yes of course you can claim off MID but it can take a long time!!

Quentin

lisyloo wrote: »

You are absolutely not entitled to repairs and hire car free of charge and free of any liability up front without full comp.

Fully comp doesn't include the provision of hire cars - (unless you have an extension for this).

If you need a hire car it's an uninsured item, and you can either get it and pay for it yourself or make use of a claim handler who would arrange it for you. (Using credit hire)

If you are involved with uninsured/untraceable drivers you can still have a no win no fee claim handler deal with your case, and get hire cars etc.

But the pros and cons of having third party cover aren't what this thread is about!