Too many named drivers on policy

atrixblue.-MFR-.

AdrianC wrote: »

It might be, but it's a wrong answer that leaves the husband open to prosecution. The supervisor HAS to be legal to drive the car.

I agree totally with you Adrian.


Ive taught several friends (received no payment as not ADI certificated), I had to be placed on their insurance, as a named driver.


when using my car I placed them on my insurance.


My DOC (Drive Other Cars) extension on my policy did not permit me to drive a car that has a provisional license holder as a main policy holder on the other vehicle after checking with my insurers (although it wasn't mentioned in the policy handbook or on my insurance certificate).


DOC doesn't cover a vehicle with a lease agreement/commercial or business and some other terms so if your vehicles are leased both your DOC extensions are useless to drive eachothers cars as spouses on the DOC cover if one were to be removed from the policy.



I'm sure theres a limit to how many named drivers there can be on a single policy also and this may actually be the limit.


I think the only solution here would be to find a broker who could try and get you all on a single policy, Or buy another car and insure 2 on one car and 3 on your car.

Aretnap

Herzlos wrote: »

It'll almost definitely exclude 3rd party coverage on a partners car.

Almost definitely?

I've heard second hand that some insurers' driving other cars cover does contain that exclusion, but I've never had, or even seen, a policy which actually does. Picking three insurers at random, Direct Line (page 8), Admiral (page 16) and Aviva (page 16) all simply say that the car must not be owned by the policyholder nor hired to him (under a hire purchase yada yada). Nothing about it not being owned by his spouse/partner. That's none out of three so far. "Almost definitely" might be putting it a bit strongly, perhaps?

Aretnap

atrixblue.-MFR-. wrote: »

My DOC (Drive Other Cars) extension on my policy did not permit me to drive a car that has a provisional license holder as a main policy holder on the other vehicle after checking with my insurers (although it wasn't mentioned in the policy handbook or on my insurance certificate).

Hilarious. So either your policy allows the guy on the phone to make up new conditions and exclusions as he goes along, regardless of whether they appeared in the original contract, or else the guy on the phone didn't know what he was talking about. My money would be on the latter option, personally.

Car_54

atrixblue.-MFR-. wrote: »

My DOC (Drive Other Cars) extension on my policy did not permit me to drive a car that has a provisional license holder as a main policy holder on the other vehicle after checking with my insurers (although it wasn't mentioned in the policy handbook or on my insurance certificate).
DOC doesn't cover a vehicle with a lease agreement/commercial or business and some other terms so if your vehicles are leased both your DOC extensions are useless to drive eachothers cars as spouses on the DOC cover if one were to be removed from the policy.

(1) If it wasn't in the policy document or on the certificate, then it wasn't a contractual condition.

(2) My DOC entitlement (and every other I've seen recently) excludes vehicles leased etc to the policyholder, i.e. me, but not to other people.

atrixblue.-MFR-.

Car_54 wrote: »

According to the Motor Vehicle (Driving Licences) Regulations 1999, the supervising driver is qualified if he (a) is 21 or over (b) holds a relevant licence and (c) has the relevant driving experience.

Under what law would the husband be prosecuted?

There can be many causes as to why the supervisor would not be insured.


as like I mentioned, my DOC would not cover me to drive a car that had provisional license holder as a main policy holder when I called my insurer to check, my insurer was admiral at the time back in 2012 their rules may have changed since then but that is what I was told back then when I called to check.


Like with any person learning the first lesson is key, I usually drive them to a quiet spot on the industrial estate to get to know the basics, if my DOC didn't cover me then I could not drive the car unless I was insured.


If the learner got themselves into bother, then I could not drive it or take control of the vehicle unless I was insured.


this was my experience, but I would always recommend that anyone who supervises a learner to check with their insurers that DOC covers them for it if your using their vehicle.


You should always check the learner is insured (I would perform a free Askmid check prior to going out on the reg number) direct debits or friends finances maybe stretched for a while and the direct debits bounced and the policy may have been cancelled, I would always check they were insured and not just by having the certificate present, I always did a askmid free check.


like you said there is no law regarding a supervisor being insured on the policy, and certain realms of the RTA applies such as not touching the mobile phone whilst supervision or had a drink, drugs etc, But to cover your backside it always worth checking with your insurers your covered or be insured as a named on the learners car for security. last thing you need is a friend falling ill or mishap happen out on the road and you need to drive the vehicle and your insurers say no when pulled by police.

atrixblue.-MFR-.

Aretnap wrote: »

Hilarious. So either your policy allows the guy on the phone to make up new conditions and exclusions as he goes along, regardless of whether they appeared in the original contract, or else the guy on the phone didn't know what he was talking about. My money would be on the latter option, personally.

Hey I called to check many don't and told was NO I wasn't going to argue legalities, I was going to make sure I was legal even if they were wrong in telling me no I could not take the risk. would you?


there are several other aspects that DOC would not over you to drive the learners own car. 1.being its a spouses car with the exclusion of spouse to DOC. 2.being its a lease vehicle 3.the vehicle has its own current existing policy.


that's not to say you couldn't supervise, and ensure the vehicle is insured as per my advice, but be mindful that in (in the event of the above cases) the event the learner gets spooked out by something or upset, falls ill then you would have to either pay to be on the learners policy to cover you driving it, OR find someone who is covered to drive it, or call recovery and pay the fee.


all I'm saying is that if your going to supervise, check and cover all bases, be that friends or extended family.

Car_54

atrixblue.-MFR-. wrote: »

You should always check the learner is insured (I would perform a free Askmid check prior to going out on the reg number) direct debits or friends finances maybe stretched for a while and the direct debits bounced and the policy may have been cancelled, I would always check they were insured and not just by having the certificate present, I always did a askmid free check.

The free AskMID check simply confirms that the there is a policy covering that vehicle. It doesn't tell you who is insured to drive it, or any other conditions.

Also, the free AskMID service is only available for certain purposes. This isn't one of them.

atrixblue.-MFR-.

Car_54 wrote: »

The free AskMID check simply confirms that the there is a policy covering that vehicle. It doesn't tell you who is insured to drive it, or any other conditions.

Also, the free AskMID service is only available for certain purposes. This isn't one of them.

1.your duty bound to make sure the vehicle is insured before you supervise, so yes you are checking that the vehicle your ABOUT OR COULD drive is insured or has an existing policy, as per terms of the DOC if it states there must be a policy on the vehicle your using the DOC for. I use ASKMID for this purpose and the friend supplies me his/her certificate with their name on and not rely on someone telling me yes its insured and produce the cert with the policy start and end dates on when they could be lying just to go out on a lesson.


2.There are youngsters who are going to read this site, that may have held a license for 3 years, and are going to embark on helping a friend in their private car learn to drive, they may have the misconception that FULLY comp on their policy gives them exclusive rights to drive their mates car to the industrial estate, in most cases it doesn't, so im being mindful of this also.
In some cases DOC isn't included for policies where the policy holder is under 21 or in some cases 25.

In some policy handbooks it states if your not sure what is or isn't covered under your DOC cover in this policy please call us to check prior to using the vehicle (or along the lines of) and this maybe changed or updated without notice during the course of the policy period.


I did exactly what my handbook told me I called my insurer who told me NO.


Not that NO you cant supervise a learner, But incase I needed to take over the driving for what ever reason I was NOT permitted to drive the car under my DOC.


I value my license, its clean and intend on keeping it that way, I was not going to risk nothing, my luck is that bad no doubt I would have taken control unknowing my insurers would say no and get pulled over the police do a check and the inmsurers say we don't allow that, that's my luck though to have to fight it out in court at my expense be it I win or not and my clean license then receives 6 points.


Ive just ensured that I'm insured as a precautionary measure. If I'm supervising a mate or family its cheap enough to be added for 3 days rather than be added on the whole year £15 extra is what was charged for my friends daughter for me for three days on the policy with her as main driver me named. The type of insurance I have now doesn't include DOC. so if I were to supervise, I would not be able to drive it and ensure I am on the policy and ensure (as a person who is responsible to make sure) the policy is still valid and not been cancelled.

Aretnap

atrixblue.-MFR-. wrote: »

Hey I called to check many don't and told was NO I wasn't going to argue legalities, I was going to make sure I was legal even if they were wrong in telling me no I could not take the risk. would you?

I wouldn't have called to check. It's not exactly difficult to read the policy terms for yourself. They're usually pretty simple. If your policy says that you can drive any car not owned by you, it means that you can drive any car not owned by you. If it actually means any car not owned by you or a by a family member, it will say that instead. If it means that the other car has to be insured in its own right, it will say that. If it means that the owner of the car has to have a certain type of licence, it will say that. If it means that the car has to be the same colour as your main vehicle, it will say that. And so on and so forth.

There are a lot of urban myths around DOC cover and many people seem determined to believe that it's a lot more complicated than it actually is. But in fact it's not exactly rocket science, and if the policy doesn't say anything about the car owner's licence status there's no need to ask, any more than you'd phone up to ask if you're allowed to use it to drive blue cars just because the policy documents don't explicitly say which colours of car it covers. If you do ring up then at best you'll be told something which you could easily have found out for yourself, and at worst you'll get through to a junior member of staff who doesn't know the answer so gives you some misinformation he read on the internet.

Spicy_McHaggis

atrixblue.-MFR-. wrote: »

There can be many causes as to why the supervisor would not be insured.


as like I mentioned, my DOC would not cover me to drive a car that had provisional license holder as a main policy holder when I called my insurer to check, my insurer was admiral at the time back in 2012 their rules may have changed since then but that is what I was told back then when I called to check.


Like with any person learning the first lesson is key, I usually drive them to a quiet spot on the industrial estate to get to know the basics, if my DOC didn't cover me then I could not drive the car unless I was insured.


If the learner got themselves into bother, then I could not drive it or take control of the vehicle unless I was insured.


this was my experience, but I would always recommend that anyone who supervises a learner to check with their insurers that DOC covers them for it if your using their vehicle.


You should always check the learner is insured (I would perform a free Askmid check prior to going out on the reg number) direct debits or friends finances maybe stretched for a while and the direct debits bounced and the policy may have been cancelled, I would always check they were insured and not just by having the certificate present, I always did a askmid free check.


like you said there is no law regarding a supervisor being insured on the policy, and certain realms of the RTA applies such as not touching the mobile phone whilst supervision or had a drink, drugs etc, But to cover your backside it always worth checking with your insurers your covered or be insured as a named on the learners car for security. last thing you need is a friend falling ill or mishap happen out on the road and you need to drive the vehicle and your insurers say no when pulled by police.

This is another example of you failing to read things.

In the case of the OP who has a full licence and is the main driver is not a provisional licence holder. Her offspring (17 year old child to you) would be learning to drive so her husband would be covered on his DOC.