Unnamed learner driver on fully comp policy

Ebe_Scrooge

benjus wrote: »

Slightly off-topic, but there is a misconception going on here about fully comp policies giving the policyholder 3rd party cover to drive other cars ("Driving other cars/DOC cover").

These days there is no link between fully comp policies and DOC cover. Some fully comp policies do not include DOC cover, and some non-comp policies do include DOC cover. It depends on your insurer, and you should not assume you have DOC cover just because you are fully comp - check your certificate of insurance to see if DOC cover is included.

Agreed. When I started driving, oh so many years ago, it was pretty much standard that fully comp gave you third party cover to drive any other vehicle - it was so common that it was pretty much taken for granted. These days, as you say, there are very few, if any, policies which will automatically cover you for other cars. I think probably that a lot of people still assume they are covered, simply because in the olden days ( ) it was common practice. But you know what they say about assumptions ....

Padz_2

I've still got you on ignore Mikey :rotfl::rotfl::rotfl::rotfl::rotfl:

You know after last time....:p

mikey72

Padz wrote: »

I've still got you on ignore Mikey :rotfl::rotfl::rotfl::rotfl::rotfl:

You know after last time....:p

You're not very good at it then.

As you're obviously not ignoring, I don't remember you, but carry on anyway, if it must have upset you.

Padz_2

Nope - still can't see anything and both posts must be total rubbish because no one else has bothered to quote them.



You can tell I've broken up can't you...... muppet-baiting season begins again. :rotfl:

jaydeeuk1

Big vicious circle this young driver insurance thing. Can't afford to get insured, have a crash, premiums go up. Young people then can't get jobs, unless on doorstep or with decent public transport. No money coming to to economy.

Simple answer, have a quota limit in number of drivers on the road, certain amount passing per year. Everyone has retest after 20 years, if you don't pass, get off the road, or perhaps can carry on driving but insurance premium will triple as higher risk, and companies can use that to offset against younger drivers. Also have a curfew on what time new drivers can go on the road unless their job requires it, and also banned from motorways unless they have an advanced course. Or do what they do in brazil and add 3rd party insurance to petrol on private users. Probably go up 30p a litre, but if you can't afford an extra £5 a tank, God knows what state your car is in.

There. Half a bottle of Laphroaig quarter cask and I've saved the UK.

Notmyrealname

xinran wrote: »

Shockingly expensive, trying to get my son on the road

My son is 17 in a few months. I had to sit down with a stiff drink when I did online quotes.

There is very little difference between him being named on my policy or having his own. His inevitable first year prangs will harm mine so I'd rather pay for him to have his for the extra couple of hundred quid.

Notmyrealname

Ebe_Scrooge wrote: »

Agreed. When I started driving, oh so many years ago, it was pretty much standard that fully comp gave you third party cover to drive any other vehicle - it was so common that it was pretty much taken for granted.

I remember having a policy with Eagle Star and the certificate of insurance didn't have a registration number on, merely a "insured to drive any vehicle owned or not owned by." I think it was in the late 80's.

thenudeone

xoleeb wrote: »

Why would the vehicle be towed away??? there is an insured driver that can remove it legally....they only impound it if there is no legally insured driver to take it....immediately

That's very optimistic. If I were a police officer and stopped an uninsured driver, the car would be seized. full stop. I would not allow anyone else to
take it even if they were insured. Otherwise, as soon as they were out of my sight the uninsured driver would be back on the road driving again, and the law was written to stop that happening.

forgotmyname

Yes from what i have found they can still seize it as you allowed them to drive uninsured. Unless you said they took
it without your consent. Bit hard when your sitting next to them.

mustmakealist

I'd second Hollie's suggestions. Young Marmalade allow you to buy your son a policy that he can use on your car as a learner. If he has to make a claim it would be on his own policy - not yours. Collingwood are fairly reasonable (compared to other insurers) for a young learner driver in their own car with the advantage that you can buy it for one month or three months if he has a test booked.

It'll be a totally different ball game once he has passed. I and at least one friend have paid for co-operative young drivers insurance. They will put a tracker in the car that monitors speed, acceleration, braking and cornering (I think ) and you can then log on to a 'dashboard' to see how well you're doing. There are restrictions on number of passengers and driving after 11pm that you can select when filling out your online form. We got a quote 2k cheaper than the majority of quotes through the normal insurance comparison sites and a good deal cheaper than the ones that came in at £9000+. Guess they weren't really interested in insuring a 17 yo lad in a 899cc little fiat!

My son is quite loking forward to getting his box and being able to log on to check his driving. I'll just have to be very careful if I get in it