In accident and not at fault but problem with my insurance

Cash-Strapped.T32

When you got the policy did you say that you have access to another car, or that you have a motorbike, etc?

Because that's what my proposal docs have said for years as I'm able to drive my other half's car, and have a couple of motorbikes as well.

I suspect that's what is being referred to there.

*edit* cross post with Ant all the fives

Jsuk

And yes, the vehicle I was driving is fully insured and I had the owners permission to drive it

Jsuk

Cash-strapped t33 ... Yes it says I have use of other car

AndyMc.....

Jsuk wrote: »

It says "use of other vehicles" "yes" on the "proposal"

What about the certificate?

Jsuk

I have spoke to my insurer and they say I'm not covered even as third party (all I needed as I was not at fault)

RichardD1970

Jsuk wrote: »

It says "use of other vehicles" "yes" on the "proposal"

When filling out the forms it always asks (in my experience anyway) if you have use of other vehicles (ie, named driver on spouses policy etc).

If you said yes to this question then I would assume that is what this is referring to.

As above DOC is a specific thing and unless it explicitly states you have DOC then you very likely don't.

jimbo6977

Even if you are covered for DOC, it will be on a TPO basis, not Comp, so the damage to your friends car would not be covered by your insurer. Your friend can make a claim against the hit-and-run driver, who will (hopefully, if he's stopped being a reckless idiot) pass it to his insurer to handle. If you already have the hit-and-run driver's insurance details, your friend could copy them in from the get-go, which might speed things up.

AndyMc.....

Jsuk wrote: »

I have spoke to my insurer and they say I'm not covered even as third party (all I needed as I was not at fault)

Ok just trying to help with your 6 points and £300 fine.

BoGoF

What a mess. Your friend should have added you as a named driver on their policy.

Jsuk

Certificate says neither