Adice - I was uninsured but didnt know at the time.

icegem92

Its none of my business how much she pays for her insurance, all i know is the minimum age is 21 - i am 25 so this is not a problem for me.
- It does not really matter who she is with or the exact wording. I have had a phone call from the insurance company explaining that i am covered. so that is why i said the advice was no longer needed.

I understand i was in the wrong at the time and just very lucky that the owner had good insurance. It is something i will not be doing again unless i am totally sure.

Iceweasel

icegem92 wrote: »

Its none of my business how much she pays for her insurance, all i know is the minimum age is 21 - i am 25 so this is not a problem for me.
- It does not really matter who she is with or the exact wording. I have had a phone call from the insurance company explaining that i am covered. so that is why i said the advice was no longer needed.

I understand i was in the wrong at the time and just very lucky that the owner had good insurance. It is something i will not be doing again unless i am totally sure.

Thanks for that informative reply.

:rotfl:

Now I can say that I don't believe a single word that you have written in any of your posts - including the last one - especially the last one.

Jog on.

Have a nice day.

icegem92

On my previous policy with admiral i was covered fully comp on my car & third party to drive other cars but you had to be over the age of 25.

The company i am with at the moment only covers the policy holder not the name driver.

The police have made an incident - i contacted the police before thinking i wasnt covered however this isnt the case any more so the police have told me that it is important i check my policy next time and that i was very lucky this time.

AdrianC

icegem92 wrote: »

On my previous policy with admiral i was covered fully comp on my car & third party to drive other cars but you had to be over the age of 25.

Were you the policyholder?

The company i am with at the moment only covers the policy holder not the name driver.

That's absolutely normal.

icegem92

No i was the named driver - me and my husband only have one car i only use it on occasions but i was covered third party to drive other cars as long as i was 25.

AdrianC

icegem92 wrote: »

No i was the named driver - me and my husband only have one car i only use it on occasions but i was covered third party to drive other cars as long as i was 25.

Wow. Very surprised at that - especially from Admiral, the Ryanair of insurers.

Admiral's own website is clear that it's policyholder only.
http://www.admiral.com/magazine/guides/motor/other-drivers-and-your-car

Obviously, that's a marketing translation of the actual policy Ts & Cs, and it may have changed since, but...

Silver-Surfer_2

icegem92 wrote: »

No i was the named driver - me and my husband only have one car i only use it on occasions but i was covered third party to drive other cars as long as i was 25.

Were you actually covered or was that another misunderstanding on your part?

icegem92

I'm not sure it was 2 years ago and i was under 25 but my husband who was my partner then said i was but never needed to really know as this is the first time i have ever got behind the wheel of another car.

dacouch

Just to clarify, cover for Any Named Driver to driver other cars with Comprehensive Cover is standard on a Hiscox or Chubb Policy. It's also available on some of the Family / Home Fleet Policies, some offer comprehensive DOC and some offer TPO DOC

Joe_Horner

dacouch wrote: »

Just to clarify, cover for Any Named Driver to driver other cars with Comprehensive Cover is standard on a Hiscox or Chubb Policy. It's also available on some of the Family / Home Fleet Policies, some offer comprehensive DOC and some offer TPO DOC

Although, "any driver with permission" cover, which is what seems to have saved the day here, must be pretty rare nowadays?

Dad always had it as we were growing up, and I had it on my first policy back in the 80s, but haven't seen it offered since then. Which doesn't mean it doesn't still exist of course, but it certainly ain't common!