Drivivng other cars question

Quentin

No

(As taxi drivers are covered by separate legal requirements regarding their insurance)

Sea_Shell

Ok then maybe taxi was wrong example. What about full business use inc. commercial travelling? Sales rep etc.

Surely the exclusions under "use" still apply.

System

Quentin wrote: »

Not "implying"!

If you have DOC stated on your certificate then the purpose of the journey undertaken in the other car is irrelevant!

That's not quite what I was asking.
Normally, the purpose of use is absolutely critical. Commuting, business use, etc. Yet you say that with DOC the use is not relevant - you could commute with someone else's car even though you might not be covered for your own? (basic TP only, of course)


I was asking, is that a general feature of basic TP- only insurance, that the use is not relevant? Or is that only a peculiar relaxation only applicable under DOC?

Quentin

Any exclusions to using DOC will be set out in the insurance certificate. That is the definitive document for the cover, and overrides anything in the policy

(Often excluded are other vehicles you/your spouse/your employer etc own)

System

Quentin wrote: »

The exclusions to using DOC will be set out in the insurance certificate.

So the exclusions do apply? The use may be relevant, which is not quite what you said before.


And if there are no exclusions set out on the certificate (as with mine - I've just looked) then I could borrow someone else's vehicle with no restrictions on use?

Quentin

Clifford_Pope wrote: »

So the exclusions do apply? The use may be relevant, which is not quite what you said before.


And if there are no exclusions set out on the certificate (as with mine - I've just looked) then I could borrow someone else's vehicle with no restrictions on use?

Yes. If your certificate has no restrictions at all (you sure? Driving another car you own is normally not allowed), then your certificate covers you.

System

Quentin wrote: »

Yes. If your certificate has no restrictions at all (you sure? Driving another car you own is normally not allowed), then your certificate covers you.

No restrictions other than the usual about not being owned or hired to me.
No restrictions on spouse's car, commuting, business use, rallying other than charity fun-runs, etc, or any of the other small print in the policy or the documents.



It seems very odd that all these can be relaxed if DOC, and that you can say with such emphasis that the use when borrowing another car is not relevant.



"Originally Posted by Quentin
Not "implying"!

If you have DOC stated on your certificate then the purpose of the journey undertaken in the other car is irrelevant!"