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car insurance - driving other cars?
I am confused about car insurance and wondered if the knowledgeable people here could solve an argument for me.
I have fully comp insurance on my car. My partner (lives at a different address) has fully comp insurance on his car. Can we drive each others cars and be insured without declaring to the insurance companies that we are doing this?
My insurance document says that I am insured to drive other cars but on a 3rd party basis and that I am not covered for any damage to that car. It also says that the "driving other cars cover only applies as long as the car is not owned by you or your partner...."
Do I have to declare him to them and get him added on formally to the insurance document for him to be covered fully comp?
I have fully comp insurance on my car. My partner (lives at a different address) has fully comp insurance on his car. Can we drive each others cars and be insured without declaring to the insurance companies that we are doing this?
My insurance document says that I am insured to drive other cars but on a 3rd party basis and that I am not covered for any damage to that car. It also says that the "driving other cars cover only applies as long as the car is not owned by you or your partner...."
Do I have to declare him to them and get him added on formally to the insurance document for him to be covered fully comp?
If you always do what you have always done, you will always get what you always got!
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I am confused about car insurance and wondered if the knowledgeable people here could solve an argument for me.
I have fully comp insurance on my car. My partner (lives at a different address) has fully comp insurance on his car. Can we drive each others cars and be insured without declaring to the insurance companies that we are doing this?
My insurance document says that I am insured to drive other cars but on a 3rd party basis and that I am not covered for any damage to that car. It also says that the "driving other cars cover only applies as long as the car is not owned by you or your partner...."
Do I have to declare him to them and get him added on formally to the insurance document for him to be covered fully comp?
What do you think?
He is your partner, what does your policy state?0 -
Add him to your insurance and he can add you to his insurance.
Then your covered properly.Censorship Reigns Supreme in Troll City...0 -
forgotmyname wrote: »Add him to your insurance and he can add you to his insurance.
Then your covered properly.
You mean covered, she isn't at the moment.0 -
Does the Policy Booklet have a section titled "Meaning of Words" (Or similar) which is basically a glossary of meanings for certain common important words used in the Policy.
Anyway it should have the above, look in this section for the word "Partner" and if it does see how their definition (which would normally be you living together) applies to you and your partner.0 -
Sgt_Pepper wrote: »You mean covered, she isn't at the moment.
What, not at all? I thought we would both be covered 3rd party at the very least.
I will phone them tomorrow and see what they say about adding him.If you always do what you have always done, you will always get what you always got!0 -
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Sgt_Pepper wrote: »Because your partner owns the car.
Ignore this.
You will be covered third party as long as you both have it mentioned on your certificates.
Don't refer to being partners. You don't live together. You are just good friends as far as your insurers are concerned!0 -
DOC will normally allow you to drive another person's car on a third party basis providing it has a policy of it's own and is not owned by you. Having said that, there are grey areas and only reading your policy t & c's will reveal whats what. For example, it may have an age limitation. My son has fully comp insurance but cannot drive other cars until he is 25.
You mention 'not owned by your partner', but that depends on their definition of 'partner'. The fact that you do not live at the same address may exonerate you from that definition.PLEASE NOTEMy advice should be used as guidance only. You should always obtain face to face professional advice before taking any action.0 -
Don't refer to being partners. You don't live together. You are just good friends as far as your insurers are concerned!
That was what was puzzling me as surely anyone who is driving someone elses car uninsured could say that they were in a relationship so were entitled but that makes sense what you say about living together.If you always do what you have always done, you will always get what you always got!0 -
If the car's owned by your partner then you're not covered at all, as your driving other cars cover doesn't apply.What, not at all? I thought we would both be covered 3rd party at the very least.
Whether he's your partner or not depends on the definition of "partner"; if you're not living with him then maybe he isn't your partner for the purposes of your policy, but if in doubt check as it would be an expensive mistake to make.0
This discussion has been closed.
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