driving girlfriends insured car-add my name to policy or not?

Norman_Castle

scheming_gypsy wrote: »

I think Norman meant that named drivers on the policy have the fully comp cover compared to the third party only DOC. So if the owner was a named driver on the policy they'd be insured fully comp.

The above is what I meant when saying "I think named drivers have equal cover to the policyholder". Common sense suggests not taking a sentence starting "I think" verbatim or as fact.

If anyone feels they have been dangerously(?) misinformed feel free to sue Martin Lewis and moneysavingexpert.com.

Quentin

Norman_Castle wrote: »

Common sense suggests not taking a sentence starting "I think" verbatim or as fact......

You of course didn't start a sentence saying that at all!

This was your sentence:

Depending on the policies driving other cars on your insurance is normally third party only and I think named drivers have equal cover to the policyholder.

Why prolong the agony? Just stand corrected and get over it.

Martin Lewis disclaims anything posted here as having anything to do with him, and warns us to take care as anyone can post here!

Whatever, your "thought" was dangerous should anyone take it at face value and think that named drivers have equal cover to the policyholder when it comes to driving other cars.

Sam1123

Hi all, thanks for the input. I will call the insurance companies to check, then as others have suggested either wait for the renewal date or pay the admin fees. I didn't realise I should be carrying my insurance certificate when driving my other half's car so thanks for letting me know this.

Cheers,
Sam

ShootForTheMoon

Be very careful... As suggested, read the policy document carefully as there are some loopholes that often catch people out.
If in doubt, ring and check!!

As for carrying a certificate everywhere, whilst it's handy to have one, it doesn't hold much weight when the Police stop you as all information is on the Police National Computer directly from the Motor Insurance Buerau - so, if you've cancelled a direct debit, you're insurance is invalid and the police know within hours - even though you may have a paper certificate.

Your car would be seized and you'd have a hefty fine and the cost of recovery, storage and release fees...

Well worth boring yourself to tears reading the document to avoid upwards of £500 and minimum of six points on your licence!
Your partner could also commit an offence for permitting you to drive his/her vehicle without insurance.

Hope that helps!!

Quentin

Sam1123 wrote: »

........... I didn't realise I should be carrying my insurance certificate when driving my other half's car so thanks for letting me know this. .......

You were misinformed.

You don't have to carry your certificate at all times.

Buzby

Indeed - only if the car is showing as being uninsured will you be asked to prove you have cover as it will pass any MIB ANPR check. If there is an issue with cover, the police will phone your insurer to confirm TP cover, so no requirement to carry paperwork of any kind.

That said, I have all my documents as PDFs on my phone (incl licence) and this has been accepted.

Norman_Castle

Why prolong the agony? Just stand corrected and get over it.

If you need an ego boost by nit picking, carry on . Personally, I think lifes too short.....

Quentin

Norman_Castle wrote: »

If you need an ego boost by nit picking, carry on . Personally, I think lifes too short.....

Correcting your dangerous advice that named drivers have the same insurance cover to drive other cars as the policyholder on an insurance forum is far from "nit picking"

InsideInsurance

vaio wrote: »

Nah, every DOC cover I've seen limits it to policyholder and some are now excluding cars that don't have other insurance and/or excluding cars belonging to spouses/people who live at the same address. All will be revealed in the small print of the policy.

Whilst for high street policies this is true, for HNW policies like Chubb not only is the DOC cover comprehensive but it also is for all people covered by the policy.

Norman_Castle

Quentin wrote: »

Correcting your dangerous advice that named drivers have the same insurance cover to drive other cars as the policyholder on an insurance forum is far from "nit picking"

You haven't corrected my advice. There is nothing "dangerous" in what I have said. If you want to help the OP, try explaining your thinking.