Driving other cars extension.

s_b

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.

seems perfectly clear to me and is how it always was
but thanks for showing its still alive and well bob in the bedsit

Sgt_Pepper_2

s_b wrote: »

seems perfectly clear to me and is how it always was
but thanks for showing its still alive and well bob in the bedsit

No it wasn't.

[Deleted User]

s_b wrote: »

seems perfectly clear to me and is how it always was

It hasn't been on my previous certificates.

Gloomendoom

Bedsit_Bob wrote: »

It hasn't been on my previous certificates.

What wasn't?

Quentin

Bedsit_Bob wrote: »

It hasn't been on my previous certificates.

If it wasn't shown on your previous certificates, then you never had that cover (irrespective of anything written in your policy - it's your cert that is the only doc the police would accept to show you had DOC cover)

Tobster86

Every certificate I've had since I stopped fronting in 2005 has said that.

But yes, the insurance industry, like the rest of the financial sector in this country, is one big evil greedy joke, and I advise (against consensus) to tell them whatever cannot be proven to make your premium cheaper.

Incidentally, why in Poland, with 5x the fatality rate and the same compensation culture as here, does it only cost about £150 a year to fully insure anything AND anyone can then drive it?

forgotmyname

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?

My sister did OK when someone bumped into the back of her. New bumper even though it could have been repaired.
And they all got over £1000 each compensation.

[Deleted User]

Gloomendoom wrote: »

What wasn't?

Quentin wrote: »

If it wasn't shown on your previous certificates, then you never had that cover

Not the DOC statement (that was on the certificates), but the bit about the car being already insured.

[Deleted User]

Tobster86 wrote: »

Incidentally, why in Poland, with 5x the fatality rate and the same compensation culture as here, does it only cost about £150 a year to fully insure anything AND anyone can then drive it?

What's the average wage in Poland?

dacouch

Bedsit_Bob wrote: »

Not the DOC statement (that was on the certificates), but the bit about the car being already insured.

It either was never a requirement for the other car to be insured with most companies who never specified this. Some had a wording in the policy although as it was not specified on the certificate the Insurer would arguably still have to pick up claims under the RTA and then try and recover their outlay from their own policyholder