Car Insurance question

busiscoming2

Can you actually insure a private car for any person (not named) to drive it?

Quentin

Yes. But there may be restrictions (eg age), and it is expensive!

bouncydog1

It will also depend on the vehicle - the higher the group the less likely this will be available. If you manage to find an insurer to do this read the documents very carefully as there are likely to be a lot of conditions regarding age and experience of driver. Also be aware that if you are trying to do this to accommodate somebody who is having difficulty getting insurance in their own name then bear in mind that you would have to disclose information to insurers at the time of taking out the policy otherwise they could cancel for non-disclosure.

forgotmyname

My old firms insurance used to be any driver any vehicle used for the companies business. So an employee popping to the shop for work related items would have been covered under the company policy.

Then it started getting more restrictions, Only listed vehicles. Then all drivers under 21 had to be named.

Eventually it was only vehicles registered to the company and all drivers had to be named with a copy of their licence to be supplied within 48 hours.

Any driver policies are few these days and as mentioned very costly with LOTS of restrictions.

busiscoming2

bouncyd!!! wrote: »

It will also depend on the vehicle - the higher the group the less likely this will be available. If you manage to find an insurer to do this read the documents very carefully as there are likely to be a lot of conditions regarding age and experience of driver. Also be aware that if you are trying to do this to accommodate somebody who is having difficulty getting insurance in their own name then bear in mind that you would have to disclose information to insurers at the time of taking out the policy otherwise they could cancel for non-disclosure.

I am not looking to buy, just curious at to whether this is possible on a domestic level as I have been told someone I know has their car insured this way. I have to say I am sceptical as they are 80 and get other people to drive them around on occasions.

busiscoming2

I'd also be grateful if someone can confirm that because a person has their own vehicle fully comp, that it automatically means they can drive any other car that is fully comp on a 3rd party basis. I believe this was the case many years ago but with costs rising I thought this had been stopped.

Quentin

busiscoming2 wrote: »

I am not looking to buy, just curious at to whether this is possible on a domestic level .....

You could have (simply) used google to satisfy your curiosity!!!

eg google any driver car insurance

busiscoming2

Quentin wrote: »

You could have (simply) used google to satisfy your curiosity!!!

eg google any driver car insurance

I did try but couldn't find the right info, so I thought I'd ask the Oracle

no-oneknowsme

Axa do have a set up where you can take out insurance which enables any driver over the age of 25 to drive the vehicle.

Spiderham

Nowadays it is very uncommon but some insurers do still offer it. It used to be far more prevalent so if this 80 year old has been with the same insurer for a long time they may have bought and any driver policy initially and therefore are still insuring on those terms. As a very long term renewal they are unlikely to be having anywhere near the same loading that a new customer would get for this very wide cover.

thenudeone

busiscoming2 wrote: »

I'd also be grateful if someone can confirm that because a person has their own vehicle fully comp, that it automatically means they can drive any other car that is fully comp on a 3rd party basis.

The answer is - Definately not; unless the certificate specifically states that it does provide that cover. There are frequent posts here about people who assumed that their comp. cover allowed them to drive someone else's car, but only found out it didn't when they were stopped by the police.

This cover is usually only offered to "safe" drivers because of the additional risk the insurer is taking. I've always had this cover every year since I started owning cars (1986!) so it's not that unusual.

Even if the certificate does provide cover, apparently some policies state that such cover is only valid if the car you're driving has it's own policy of insurance (I've never seen that restriction personally).

So read the certificate and policy carefully, and take the certificate with you when you drive, because the police database won't show your DOC cover against the vehicle you're driving's registration plate.