AXA refusing DOC insurance on 'Van'

societys_child

Franz_Ferdinand wrote: »

Except the drivers not covered under that policy.

I do realise that, just adding a little more turmoil to the mix . .

Franz_Ferdinand

societys_child wrote: »

I do realise that, just adding a little more turmoil to the mix . .

They won't pay for the repair to the VW.

Quentin

societys_child wrote: »

I thought DOV or DOC was usually third party cover only, so if the VW is also damaged, the owner would have to claim on his own fully comp insurance anyway.

No.

You ( dangerously) misunderstand how DOC works.

When you use DOC cover to drive someone's car then you have third party cover only.

Any damage to the car you are driving isn't covered at all, so if there is no other party to blame, then repairs, car hire etc all got to be paid out of the driver's or owners pocket.

It is dangerous to think the car you let a friend use telling you he's covered on his own insurance will be OK if he damages it!!

arcon5

Quentin wrote: »

No.

You ( dangerously) misunderstand how DOC works.

When you use DOC cover to drive someone's car then you have third party cover only.

Any damage to the car you are driving isn't covered at all, so if there is no other party to blame, then repairs, car hire etc all got to be paid out of the driver's or owners pocket.

It is dangerous to think the car you let a friend use telling you he's covered on his own insurance will be OK if he damages it!!

Maybe you need to read the post a second time!

And since you don't know what the policy of the vehicle owner does and doesn't cover i'd suggest your not qualified to comment on that either.

arcon5

I thought DOV or DOC was usually third party cover only,

That's correct. DOC usually covers third parties where you are driving the other car and at fault.

so if the VW is also damaged, the owner would have to claim on his own fully comp insurance anyway.

That depends on the owners policy terms. He would need to contact his own insurer in such a situation, but that's separate to the third party issue.


As for telling the other guy about insurance, odds are he will find out anyway when your insurer send him packing.
Very noble of you to want to tell him, and i'm sure you wont regret it when he involves the police and you get prosecuted.

Creating a rod for your own back and all that. You'd be better off focusing your efforts and persuading your insurer they are liable.

Franz_Ferdinand

arcon5 wrote: »

That's correct. DOC usually covers third parties where you are driving the other car and at fault.


That depends on the owners policy terms. He would need to contact his own insurer in such a situation, but that's separate to the third party issue.


As for telling the other guy about insurance, odds are he will find out anyway when your insurer send him packing.
Very noble of you to want to tell him, and i'm sure you wont regret it when he involves the police and you get prosecuted.

Creating a rod for your own back and all that. You'd be better off focusing your efforts and persuading your insurer they are liable.

Do you really think they'll cover it?

arcon5

Franz_Ferdinand wrote: »

Do you really think they'll cover it?

None of us here know whether the owners insurer will cover his loss!

Franz_Ferdinand

arcon5 wrote: »

None of us here know whether the owners insurer will cover his loss!

Do you know of any policies out there that will cover damage to your vehicle if you allow an uninsured driver to use it?

Franz_Ferdinand

looknohands wrote: »

The police weren't involved but I'm keen to be up front with the guy I hit, he was decent enough about the incident and it was my fault, I genuinely thought I was covered, I've driven the vehicle 1,000's of miles before and never thought there was any issue.

So I'd imagine if he wants his damage paid out it'd need to go through police / courts?

The logbook says M1 classification, 100%, it's always been this classification, never converted.
When I search M1 classification it says you cannot get van insurance for an M1 vehicle, an M1 class must have car insurance!

However tried getting a quote through AXA and they have transporters listed on the car insurance section but it wont accept the registration.

So it's possibly a bit of a minefield depending on providers opinion rather than any official registration? Not really sure what to do, bit of a sticky situation.

You need to be onto the insurance company today as the owner is also looking at six points and £300 if the police become involved.

Joe_Horner

I've certainly never had a policy that would cover damage to my vehicle caused by someone else driving it whether they were insured or not unless they were a named driver on that policy.

The only exception would be if it was stolen but, to claim that in this case, the OP's friend would have to really drop him in it!