NCB and entitlement to drive others' cars...but don't own a car??

starrystarry

Quentin wrote: »

Third party cover isn't just limited to DOC!

It's been around a long time!

How come you know all these drivers who don't understand what it means?

I'm fully aware that third party cover exists outside DOC. But I also know that some people don't realise DOC cover is third party.

How come you're getting so worked up?

Quentin

What has your personal fear of driving with third party cover on a motorway got to do with the op's questions regarding doc?

To use doc you need the owner's permission!

starrystarry

Quentin wrote: »

What has your personal fear of driving with third party cover on a motorway got to do with the op's questions regarding doc?

To use doc you need the owner's permission!

You need to take a chill pill Quentin, or pour yourself a long one.

lisyloo

It's their decision. They are grown up!

Actually I don't think a lot of do fully understand the implications.
They might think they are only at risk for an accident that isn't their fault, however they are at risk for any accident that someone else cannot be made to pay for which is a different thing.

So for example let's say a dent appears whilst they are at the supermarket and it's under the MIB excess. They are not to blame for that but there is no-one else to pay for it.

I don't have any axe to grind, but from the posts I've read over the last 10 years I'd say that some people don't fully understand the implications.

I wonder how many would be prepared to pay out of their own pocket for something that wasn't their fault but for one reason or another could not be reclaimed from a 3rd party?

Quentin

lisyloo wrote: »

So for example let's say a dent appears whilst they are at the supermarket and it's under the MIB excess......

What are you talking about?

What has the "MIB excess" to do with this?

If you have damage that is inflicted by an unidentified third party where does the MIB figure?

And who would claim off their own insurance for damage less than their excess, never mind the "MIB excess"?

lisyloo

What are you talking about?

A case where damage occurs but is not the drivers fault.
I brought it up because I believe many people overlook that they are responsible for any damage that cannot be reclaimed rather than jsut any damage they cause.

What has the "MIB excess" to do with this?

It's an untraced driver but in this case it cannot be claimed (too small) so it's an example of damage that cannot be claimed.
A responsible driver that wants to maintain a good relationship with their friend or family member who owns the car would shell out.

If you have damage that is inflicted by an unidentified third party where does the MIB figure?

The MIB compensate victims of negligent untraced drivers.

And who would claim off their own insurance for damage less than their excess, never mind the "MIB excess"?

Someone with a smaller excess.
But if an owner chooses to pay for damage themselves rather than user their insurance that's their choice.
It's not the same as borrowing a car without insurance and the driver agreeing to pay everything !!

Quentin

lisyloo wrote: »

It's an untraced driver but in this case it cannot be claimed (too small) so it's an example of damage that cannot be claimed.....

If the damage is beneath the excess, then whether you had comp/tp/doc cover what difference would it make?

You don't claim off the mib (or your insurance) if the damage is less than the excess!!

rs65

lisyloo wrote: »

Actually I don't think a lot of do fully understand the implications.

I think you're right. It surprise me how often DOC is mentioned on this forum. I wouldn't driving anyone's car on my DOC - but more importantly, I wouldn't let anyone drive mine on their DOC.

kloana

starrystarry wrote: »

You do realise that you're only covered third party while you're popping onto the motorway in your mum's nice car?

I refer to my knowledge that this kind of driving is TPO in my first post.

Are you happy with that level of risk?

Yes

Can you afford to repay your mum if you damage/write off her car?

Yes. And aside from the fact that I have access to body and mechanical work at (or below) cost, with zero labour charge, I'd bear any and all relevant (full-price) costs anyway. She's my mum, I'm not wantonly gallivanting about in her flashy motor (ahem, 58 plate Ford) just for the heck of it.

Personally I would only use DOC if there was no other option, or for a very short journey. I think I've used mine about twice in all the years I've been driving. If I was planning to pop onto the motorway in someone else's car I'd get proper cover.

I know what I'm doing. I appreciate that others may not understand the 'risks' or implications of DOC/TPO basis, but I do.

System

You can get non-owner auto insurance:

http://non.owner.auto.insurance.compareautoinsurances.co.uk/index.php



It's for people who may need to drive other people's cars but have no car of their own.