Fully Comp Insurance question?

kingshir

Does having Fully Comprehensive car insurance still mean that you have Third Party, Fire & Theft cover when you drive someone elses vehicle? I know that used to be the case but then I heard that it was being changed - anyone know?

cajef

Should tell you on your insurance certificate, mine says:-

Driving other Cars.

Cover for driving other cars is limited to third party only. You will not be covered for any loss or damage to the car you are driving.

mattymoo

A lot of insurers have now removed this extension because it was being abused. Check the policy booklet and your schedule.

kingshir

Have just been onto my insurance company and they say that the Policy holder (not additional named drivers) have Third Party covered to drive another vehicle for one off or emergencies.

nickmack

kingshir wrote: »

Have just been onto my insurance company and they say that the Policy holder (not additional named drivers) have Third Party covered to drive another vehicle for one off or emergencies.

Yes, this is what many policies say now.

As mattymoo pointed out, this was being abused. My insurer described this to me the other week when I was enquiring about temporary cover for a vehicle, it is literally only for emergencies, not 'borrowing your mates car for the weekend'.