young driver drive any car, car insurance

mikey72

dlon_ray wrote: »

I have this cover at 21 with the NFU. The cover isn't meant for full time driving of other cars but rather for 'emergencies', for example you and some friends are at a pub and the driver gets !!!!ed, so you drive you all home in their car. If you're using it to be able to drive any vehicle then it's technically not allowed and I'm almost sure that the insurers would wriggle out of any claim and leave you with a criminal record for driving with no (invalid) insurance...

I'm with CSIS.
The third party cover let's me drive any car I want to, whenever I want to, without needing any other insurance cover on that car.

Dangermac

mikey72 wrote: »

I'm with CSIS.
The third party cover let's me drive any car I want to, whenever I want to, without needing any other insurance cover on that car.

Really? What would happen if you got out of the car whilst it was in your custody or control. For example - you go to the shops/hospital, or got out of the car following an accident.

You would then be in possession of a car on the highway, which didnt have insurance. Furthermore, in such a situation as you wouldnt be 'driving' the car, your DOC (Driving Other Cars) extension wouldnt apply.

With the above points in mind, it is dangerous to drive a car, under a DOC extension, without that car having residual cover.

DM

dacouch

Dangermac wrote: »

Really? What would happen if you got out of the car whilst it was in your custody or control. For example - you go to the shops/hospital, or got out of the car following an accident.

You would then be in possession of a car on the highway, which didnt have insurance. Furthermore, in such a situation as you wouldnt be 'driving' the car, your DOC (Driving Other Cars) extension wouldnt apply.

With the above points in mind, it is dangerous to drive a car, under a DOC extension, without that car having residual cover.

DM

If you set off on a journey lets say the hospital, if you stopped on the way to pop into a shop to buy a paper to read at the hospital or got out of your car due to an accident. The law would still regard the driver as being in control of the car and thus insured by the DOC.

However once the journey had been completed eg you arrived at the hospital the DOC would probably cease (The case law is not amazingly clear). If the stop on the way was to go shopping in multiple shops the cover would again probably cease as this would probably be seen as one journey with the next drive to the hospital being another journey

ILW

dacouch wrote: »

If you set off on a journey lets say the hospital, if you stopped on the way to pop into a shop to buy a paper to read at the hospital or got out of your car due to an accident. The law would still regard the driver as being in control of the car and thus insured by the DOC.

However once the journey had been completed eg you arrived at the hospital the DOC would probably cease (The case law is not amazingly clear). If the stop on the way was to go shopping in multiple shops the cover would again probably cease as this would probably be seen as one journey with the next drive to the hospital being another journey

So could you be charged with leaving an unisured vehicle on a public highway at the end of your journey?

vaio

dacouch wrote: »

If you set off on a journey lets say the hospital, if you stopped on the way to pop into a shop to buy a paper to read at the hospital or got out of your car due to an accident. The law would still regard the driver as being in control of the car and thus insured by the DOC.......

I know there is case law meaning this applies to travelling to a pre-arranged MOT and have previously argued that logically the same should apply to DOC but not seen any case law on it. Got any you'd care to share?

dacouch

vaio wrote: »

I know there is case law meaning this applies to travelling to a pre-arranged MOT and have previously argued that logically the same should apply to DOC but not seen any case law on it. Got any you'd care to share?

I'll try and find it.

It would be so much easier if the Insurance board was properly moderated, we could have a sticky where relevant links to case histories, fos ruling etc etc could be stored to save everyone time (Plus a couple of stickies on cancellation fees and admin fees)

vaio

yep, and ones for lack of MOT = no insurance plus the advantages of the MIB would be useful too

or we just rely on people like you with good memories and access to the legal databases

Whilst you are in case law mood, any thoughts on: https://forums.moneysavingexpert.com/discussion/comment/43556974#Comment_43556974

Dangermac

dacouch wrote: »

If you set off on a journey lets say the hospital, if you stopped on the way to pop into a shop to buy a paper to read at the hospital or got out of your car due to an accident. The law would still regard the driver as being in control of the car and thus insured by the DOC.

However once the journey had been completed eg you arrived at the hospital the DOC would probably cease (The case law is not amazingly clear). If the stop on the way was to go shopping in multiple shops the cover would again probably cease as this would probably be seen as one journey with the next drive to the hospital being another journey

Not sure i would want to put it to the test. Not sure I agree that a stop at the shops would render the driver as being in control of the vehicle. Very subjective indeed.

Insurers are becoming more stringent when applying the policcy terms/conditions/exclusions.

If the insurer decided that the driver wasnt 'driving' I would bet my bottom dollar that they would try and refuse cover.

I would also be surprised if there has been an FOS ruling on this.

I would proceed with extreme caution if driving a car under DOC with no residual Third Party cover on the vehicle.

DM

paddedjohn

dangermac wrote: »

not sure i would want to put it to the test. Not sure i agree that a stop at the shops would render the driver as being in control of the vehicle. Very subjective indeed.

Insurers are becoming more stringent when applying the policcy terms/conditions/exclusions.

If the insurer decided that the driver wasnt 'driving' i would bet my bottom dollar that they would try and refuse cover.

I would also be surprised if there has been an fos ruling on this.

I would proceed with extreme caution if driving a car under doc with no residual third party cover on the vehicle.

Dm

This is where the new continuous insurance law that is being enforced from the end of June simplifies things, the car itself would need to be insured not the driver.

apple111

Originally Posted by dacouch
If you set off on a journey lets say the hospital, if you stopped on the way to pop into a shop to buy a paper to read at the hospital or got out of your car due to an accident. The law would still regard the driver as being in control of the car and thus insured by the DOC.

However once the journey had been completed eg you arrived at the hospital the DOC would probably cease (The case law is not amazingly clear). If the stop on the way was to go shopping in multiple shops the cover would again probably cease as this would probably be seen as one journey with the next drive to the hospital being another journey


But I think you have ignored the fact that for cover to apply under DOC, the vehicle itself must be insured in the first place. The DOC will allow YOU to be covered third party whilst driving it. But if its not covered at all, DOC will not apply.