Driving friends car on my own car insurance

System

redux wrote: »

The specific issue I suggested as possibly being a loophole or not is the question of to what degree someone driving an otherwise uninsured car on their driving other cars extension is satisfying the rules on continuous insurance enforcement for that car.

But the key word is "driving". Even supposing that during the actual time the car is being driven by someone else under DOC the condition would be satisfied, it would have to be continuously driven, non-stop, until such time as the RK took out proper insurance.

So as the clock chimed midnight on the day the old insurance expired, someone with DOC insurance would have to jump into the driver's seat.
He could be relieved a few hours later by someone else, assuming that a few seconds' gap would not matter as insurance is only timed to the minute.
It might be possible to keep this charade going for 24 hours, which would save one day's worth of proper insurance, but it doesn't appear to be a longer term loophole?

glentoran99

!!!!!! wrote: »

No it does not as far as DOC is concerned. Read your policy, talk to your insurer. My insurer states that the vehicle does not need its own insurance for me to drive it under DOC

However regulations make it very difficult to drive a vehicle not having its own insurance due to things such as being unable to leave it unattended on public roads and the pain of getting stopped when pinged by ANPR.

so whats to stop you insuring a clapped out old banger and driving a ferrari?

Quentin

Nothing as long as you don't own the ferrari

System

To drive DOC I can't own it. I'm damn sure that no Ferrari owner is going to let me drive their car 3rd party only

redux

Clifford_Pope wrote: »

But the key word is "driving". Even supposing that during the actual time the car is being driven by someone else under DOC the condition would be satisfied, it would have to be continuously driven, non-stop, until such time as the RK took out proper insurance.

So as the clock chimed midnight on the day the old insurance expired, someone with DOC insurance would have to jump into the driver's seat.
He could be relieved a few hours later by someone else, assuming that a few seconds' gap would not matter as insurance is only timed to the minute.
It might be possible to keep this charade going for 24 hours, which would save one day's worth of proper insurance, but it doesn't appear to be a longer term loophole?

I agree entirely, except I'll clarify that I'm not even definitively saying it has any status as a loophole, just wondering if some other people's confidence has taken this into account.

Quentin

redux wrote: »

I didn't say it is.

The specific issue I suggested as possibly being a loophole or not is the question of to what degree someone driving an otherwise uninsured car on their driving other cars extension is satisfying the rules on continuous insurance enforcement for that car.

CIE is unrelated to DOC.

Using DOC doesn't get round CIE.

But CIE is the owner's problem. Not the driver using DOC cover.

If you comply with your certificate's requirements for using DOC and there is no mention of the car having to have its own policy in place then your DOC cover is sound for driving uninsured cars.


(All this is irrelevant to you being mislead by your Broker!)

redux

Quentin wrote: »

(All this is irrelevant to you being mislead by your Broker!)

All of it is irrelevant to the conversation with the broker as that was about 15 years ago so before CIE and despite your insistence I was not mislead.

I'd prefer not to concur with your advice now either, thank you, as you're suggesting things that seem to have too much risk of conflicts between friends if things go wrong.

Quentin

redux wrote: »

All of it is irrelevant to the conversation with the broker as that was about 15 years ago so before CIE and despite your insistence I was not mislead.......
.

After posting sagely that we should give "close attention" to the DOC clause, you go on to tell us your broker advised you that using DOC was "intended mostly for unforeseen rather than planned use".


This is just not true.


You were mislead, and by reposting that 15 year old rubbish today (and insisting it is correct) you could in turn mislead others.

redux

Quentin wrote: »

After posting sagely that we should give "close attention" to the DOC clause, you go on to tell us your broker advised you that using DOC was "intended mostly for unforeseen rather than planned use".


This is just not true.


You were mislead, and by reposting that 15 year old rubbish today (and insisting it is correct) you could in turn mislead others.

I don't think I'm misleading anyone by telling them to check, or to think carefully.

You on the other hand are suggesting that the would-be driver might disregard whether there will be a CIE or other issues for the owner if something goes wrong.

As for my broker conspiring to mislead me, I say again that it has never been intended, either then or now, for someone to be able to insure one car and drive around in several, and claims in such circumstances would be thoroughly investigated.

Abuse on exactly this point has lead to many insurers removing such cover since then.

Of those that remain, here is what one comparsion broker says:

Traditionally, cover for driving other cars (DOC) came as standard with a fully comprehensive insurance policy, giving drivers third party only cover for other vehicles. But this was open to insurance scams and, as a result, it is no longer automatically included in many policies.

Car
Some insurance companies do still offer DOC cover, so long as the customer does not own the car, has not hired it, and they are over a certain age (usually 25).

DOC is intended for emergencies only and does not cover you to drive another car regularly. The question is, what counts as an emergency?

To avoid a potential situation where your insurer disputes your claim, the safest bet, as usual, is to contact the provider to check the terms of your policy.

GoCompare

Note the word emergencies there. Some people are still giving this advice.

I really don't see the point of cheapskating and not doing it properly, risking not only the car but also the friendship

redux

“Fully comprehensive insurance does cover customers to drive other vehicles, subject to certain criteria, and cover for driving another vehicle is limited to third party cover only.
“This means customers will not be covered for any damage to the car they are driving, and the cover will also only apply where they have the owner’s permission to drive the vehicle. This type of cover is really only intended for emergency use, and we would recommend that the policyholder is added to the other vehicle owner’s insurance policy if driving the other vehicle is to be a regular occurrence in order to benefit from greater cover.

Churchill, quoted by Moneysupermarket

“A policyholders quote summary and policy documents will confirm if they have this cover. The cover provided to drive other cars is third party only. Full details of this are detailed in the policy booklet.
“It’s important to note that this cover does not allow the policyholder to drive commercial vehicles. Also, this cover is just meant for one off emergency situations and any damage to the car driven by the customer will not be covered.
“We would recommend that if a customer has time, they should consider either having themselves added to the policy that covers the car they intend to drive (known in the industry as temporary additional driver), or alternatively arrange temporary cover for the car on their own policy (known in the industry as temporary additional vehicle). That way they would have full cover in the event of an accident

Esure, as per Moneysupermarket

Driving other cars is a standard inclusion under our private car policies and allows the policy holder to drive cars that are not owned by them or hired to them, providing they have permission of the vehicle owner to use the vehicle. However, there are restrictions to this benefit such as age (must be over 25 at policy inception / renewal date) and occupation.
To find out if you have Driving Other Cars cover, check your certificate of insurance.
The cover provides protection against legal liability for death or bodily injury to a third party and damage to third party property. The cover is limited to third party only and should be viewed as emergency cover.

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