non owner car insurance

Slartib

Hi hello long time lurker first time poster
Just been let go on ill health grounds so we no longer need 2 cars. We plan to get rid of my work car because its the most clapped out, the other car is insured in the wife's name with me as a named driver and i have just thought i will not be insured to drive other cars. ( for example I still repair my 40 year old daughters car, no I don't know why either) I know in America they have non owner insurance but I cant seem to find anything similar in this country. Does anybody have a reasonably priced solution please?
I do think I will have a lot more benefits questions in the near future, but that's whole other post

Thanks in advance
Derek

AnotherJoe

You'll be covered 3rd party on other drivers insurance (such as daughters 40 year old car) is there anything else you drive that is worth much? IF daughters is a "classic" and valued as such she can add you as a named driver.
What other cars, realistically, might you drive?

Slartib

Thanks for the prompt response will I be covered third party if I am only a named driver on the wife's car?

AnotherJoe

Slartib wrote: »

Thanks for the prompt response will I be covered third party if I am only a named driver on the wife's car?

[STRIKE]
No, you'll be covered third party on the other cars insurance (that you are driving) as long as they gave you permission to drive.[/STRIKE]


Sorry i was wrong.

sheramber

Your daughter could add you as a named driver on her insurance

Aretnap

AnotherJoe wrote: »

No, you'll be covered third party on the other cars insurance (that you are driving) as long as they gave you permission to drive.

Erm, no you.won't. Unless your daughter has an any driver policy (very rare in the UK) it will only cover people who are specifically named on the policy to drive. Joe is apparently confused here.

Your daughter can add you to her policy as a named driver - of you have a good driving record the cost is likely to be low or even zero.

Slartib

Thanks Aretnap that's how I understood it.
Derek

Sea_Shell

These days, apparently, there are Apps where you can buy temporary insurance by the hour, on a car you don't own. Probably works out more expensive than being added as a driver to your daughters policy, but maybe worth looking into.

And NO you won't have Driving other cars, if you don't have a current policy in your own name. And even if you did, it's not guaranteed to be included.

engineer_amy

Just from personal experience - im insured with direct line and have my older brother as a named driver (for emergencies only, hes only had to drive it once when I hurt my ankle and he had to pick me and the car up)
my policy states - the policy holder may drive other vehicles on a third party cover basis. my brother would not be covered to drive another vehicle while relying on my policy


whereas my younger brother (insured with admiral) his policy states "you are not covered to drive other vehicles"


so I think it depends on the policy for third party cover, but generally not as only a named driver on a different policy. best to get added to the daughters policy as a named driver. Adding my older brother had no effect on the premium with direct line

Aretnap

There are policies available which provide driving other vehicles cover for named drivers as well as the policyholder - it's a feature on premium policies offered by the likes of Hiscox and Chubb. However such policies are not cheap - they're aimed at the sort of people for whom premium features are a more important factor than price in their buying choices.

If you don't fancy paying for a premium policy then your options are
(1) get added as a named driver on the insurance for the cars you need to
(2) take out temporary cover when you need to drive another car
(3) become the policy holder for your wife's car which will give you the DOV cover, though of course this will leave her without it.

(1) is probably simplest unless you have a need to drive a large number of cars at short notice, which would be unusual - I can probably count on one hand the number of times in my life that I've driven a car which didn't belong to me or an immediate family member.

Slartib

Thanks for all the replies. I think what I will do is just get the wife to drive the other cars it's not that often.
Derek