Whiplash for un-insured drivers?

BertTheRaccoon

oldbaby wrote: »

Sorry what does OP and DOC mean?

OP = Original Poster

DOC = Driving Other Cars

lisyloo

If you mean driving other cars under OP's own Insurance

No.
I mean "Any driver" insurance where "anyone" is allowed to drive the car (usually there are age restrictions - often over 25).
I used to have this for my hot air ballooning hobby where I would ask friends/colleagues to take it in turns to drive my car for me. It was inconvenient to name a small pool of drivers who may all be unavailable when the weather is suitable. Hence "any driver over 25" is the solution.
I guess it might also work out better than named drivers for some large families as well as those who have a leisure reason.

As I said it's not common, but if the insurance on the car extends to the driver then obviously they would be insured with permission from the owner (subject to any age or other stated restrictions of course).

DOC is an entirely different thing because that would be under
the drivers insurance (I would assume if it did exist it's now cancelled).
"Any driver" is referring to the owners insurance.

I think it's highly unlikely the OP would find this situation.
Any car that's insured for "any" driver (such as in a large family) is likely to be in constant use - BUT I didn't want to answer the question incorrectly because of course the OP can drive any car which has insurance to cover him (with the owners permission).

The chances of finding a generous benefactor who isn't using such a vehicle is slim but the point is that if the insurance on the car covers the OP then they are insured to drive it.

oldbaby

Sorry some further questions:

1) Generally when a car is written off what sort of info do the insurance companies check with the policy holder.

Friend has been informed that insurance company will need details from
V5 booklet
and need his drivers licence to check details DVLA.

Regarding the DVLA details what exactly do they check with the DVLA- name, address, dob etc and the other details that appear on the drivers licence i.e points 1 to 9?

Does the fact that they want to check DVLA details mean something un-toward?

One would assume when car insurance is taken out that driver licence details have to be declared.

2) Which is gonna be the cheaper option:

to be added to someone else's policy on their car as a 2nd driver or to continue with the existing insurance policy of the written off car and pay any surplus in-order to drive someone else's car.

thenudeone

Insurers generally have the right under the T&Cs to demand a copy of driving licences, V5, MOT, etc at any time, but they will be especially keen to do so when you make a claim, because if they can find a material difference between the information you declared and the true situation, they can legitimately use that as a reason to void the policy and not pay out.

Checking driving licence and other details at policy inception is possible but administratively cumbersome and has a cost implication. Since most policies will not have a claim in any year, it's much simpler just to check those policies when a claim arises.