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

dacouch

Joe_Horner wrote: »

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!

The same Policies from Hiscox & Chubb also (Normally) include Any Driver along with an agreed value for your vehicle at the start of each year and in effect like for like courtesy car in the event of a claim (Not a credit hire car).

They're aimed at the very affluent

Joe_Horner

dacouch wrote: »

The same Policies from Hiscox & Chubb also (Normally) include Any Driver along with an agreed value for your vehicle at the start of each year and in effect like for like courtesy car in the event of a claim (Not a credit hire car).

Ahh, but do they send you a stuffed meerkat? :rotfl:

I guess if you go far enough upmarket you can get just about any policy terms you like - for an appropriate price.

rs65

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

Chubb also offer comp to any authorised driver whilst driving the insured vehicle and comp for the policyholder to drive any other car. It isn't cheap though.

Tammykitty

AdrianC wrote: »

That would be MASSIVELY unusual, and almost certainly very expensive indeed. Is there any minimum age specified?

Who's the policy with, and what does the exact wording say?

AXA ni do this - under any driver extension


in fact it used to be free if you were with them for 5 years

lovinituk

icegem92 wrote: »

The car owners policy allows anybody with a fully drivers license to drive car and they will be covered third party.

So which insurer offers this and what is the cost? Surely the 'anybody' would need to be named drivers on that policy or at least have their own full insurance on another vehicle?

Tammykitty

lovinituk wrote: »

So which insurer offers this and what is the cost? Surely the 'anybody' would need to be named drivers on that policy or at least have their own full insurance on another vehicle?

I just checked my AXA policy and it for anyone aged 25 - 70, and no they don't need there own insurance.


It was £33 to add it as an extra to my policy

lovinituk

Tammykitty wrote: »

I just checked my AXA policy and it for anyone aged 25 - 70, and no they don't need there own insurance.


It was £33 to add it as an extra to my policy

Well, I stand corrected! And I'm shocked at how little extra it costs!

Iceweasel

Tammykitty wrote: »

I just checked my AXA policy and it for anyone aged 25 - 70, and no they don't need there own insurance.


It was £33 to add it as an extra to my policy

Can you just clarify that.

The extra premium allows anyone (even un-named drivers) 25 to 70 to drive your car - that I can understand.

But that cannot allow then to drive any other car - or are saying it can?

Tammykitty

Iceweasel wrote: »

Can you just clarify that.

The extra premium allows anyone (even un-named drivers) 25 to 70 to drive your car - that I can understand.

But that cannot allow then to drive any other car - or are saying it can?

No it covers them to drive my car only.


I can drive any car under third party driving other car extensions (Standard) or pay extra and it upgrades to fully comp.


There is no option to upgrade to give named drivers DOC extensions

Iceweasel

Tammykitty wrote: »

No it covers them to drive my car only.


I can drive any car under third party driving other car extensions (Standard) or pay extra and it upgrades to fully comp.


There is no option to upgrade to give named drivers DOC extensions

Thank you - that's very clear.