Driving other cars extension.

[Deleted User]

There has been quite a lot of debate over the years, about using a DOC extension, to drive another vehicle, in particular, whether it needs to be insured by the owner.

Well, I've just changed insurers, and the new certificate states:-

The Policyholder may also drive, with the owners permission, a motor car not owned by the Policyholder and not hired to the policyholder under a leasing or hire purchase agreement, as long as the motor car has valid cover in force under another insurance policy.

I realise this isn't definitive, WRT other companies, but it may be that insurance companies are tightening up on this area.

Mr_Thrifty

they make it as clear as mud so they don't have to pay out

[Deleted User]

Seems pretty clear to me.

Sgt_Pepper_2

If you think about it, it sounds like they have no intention of ever paying out. The only reason they give the cover is to prevent you being prosecuted for not having it.

Mr_Thrifty

all insurance is basically a rip off

do you know if anyone has ever gotten any money back from an insurance company?

Mr_Thrifty

they always find something in the small print, some excuse why you weren't covered because you broke the rules

Sgt_Pepper_2

Mr_Thrifty wrote: »

they always find something in the small print, some excuse why you weren't covered because you broke the rules

I've never had a problem like that.

Gloomendoom

Mr_Thrifty wrote: »

all insurance is basically a rip off

do you know if anyone has ever gotten any money back from an insurance company?

Money back for what?

I know quite a few people, including myself, that have successfully claimed on their insurance policies, household and motor.

datostar

They would have to pay out for third party claims if the vehicle being driven was only insured for its owner to drive. This doesn't change much really, other than preventing old bangers stored in fields and suchlike being driven around on the road. The requirement for a valid policy (for the motor car, not the driver) means that it will probably at least be roadworthy, have an MOT if required, and be taxed. It would certainly put a stop to the policyholder doing a favour for somebody by say taking a SORNed car for an MOT.

Nilrem

Sgt_Pepper wrote: »

If you think about it, it sounds like they have no intention of ever paying out. The only reason they give the cover is to prevent you being prosecuted for not having it.

It sounds like they're covering themselves for if something happens once it's left on the road.
IIRC it has to be insured to be left on the road, and DOC doesn't cover that normally - indeed DOC normally only covers you third party for damage to others whilst you are driving the car (it won't cover damage to the car you're using it on)

Mr_Thrifty wrote: »

all insurance is basically a rip off

do you know if anyone has ever gotten any money back from an insurance company?

An awful lot of people get back far more than they've ever piad in insurance every year - not many people are able to pay out the £10-20k a relatively minor injury accident can cost, let alone the costs incurred in a major accident, or when the other car is a Porche or similar and the repair bill for a simple panel replacement and respray comes in at £5K+*...

Insurance is a gamble, if you're lucky you'll never need to claim back from it, but if you're unlucky you potentially have a claim in the tens of thousands easily (and yet the insurance company will just get you to pay your excess, and charge a bit more for the next couple of years).

You can very easily have the equivalent of many years of your premiums paid out in a single, small accident.

*And one of the main reasons insurance isn't automatically cheaper if you have a £500 banger, compared to a £10k newish car.

Sgt_Pepper_2

Nilrem wrote: »

It sounds like they're covering themselves for if something happens once it's left on the road.
IIRC it has to be insured to be left on the road, and DOC doesn't cover that normally - indeed DOC normally only covers you third party for damage to others whilst you are driving the car (it won't cover damage to the car you're using it on)

I know, but on doubt they'll claim there is a policy in force for the vehicle so a third party can claim off that.



An awful lot of people get back far more than they've ever piad in insurance every year - not many people are able to pay out the £10-20k a relatively minor injury accident can cost, let alone the costs incurred in a major accident, or when the other car is a Porche or similar and the repair bill for a simple panel replacement and respray comes in at £5K+*...

Insurance is a gamble, if you're lucky you'll never need to claim back from it, but if you're unlucky you potentially have a claim in the tens of thousands easily (and yet the insurance company will just get you to pay your excess, and charge a bit more for the next couple of years).

You can very easily have the equivalent of many years of your premiums paid out in a single, small accident.

*And one of the main reasons insurance isn't automatically cheaper if you have a £500 banger, compared to a £10k newish car.

............