Passenger insurance

peterapps123

So many adverts for new cars and some insurance companies show cars full of friends but when you come to make sure all your passengers are insured, that's an extra that often does not seem to be easily covered. Sure, spouse and immediate family seem safe but friends are a different matter. I would like to see every passenger secure in their seat in your car, covered by insurance.

Scrapit

Er, what? 

facade

Fire.

There is probably a clause in standard insurance that says if your car is damaged by the spontaneous combustion of a passenger, there is no cover.

Aretnap

If you drive carelessly and injure your passanger, your liability for their injuries will be covered by your insurance, same as your liability to any other third party. 

There aren' many ways in which your passanger can cause an accident, but liability arising from most of them (eg opening the car door into the path of an oncoming vehicle) will also be covered by your policy.

What other insurance do you think your passangers need? 

AdrianC

peterapps123 said:

So many adverts for new cars and some insurance companies show cars full of friends but when you come to make sure all your passengers are insured, that's an extra that often does not seem to be easily covered. Sure, spouse and immediate family seem safe but friends are a different matter. I would like to see every passenger secure in their seat in your car, covered by insurance.

Cobblers.

Show us ONE insurer that treats "friends" different to "spouse and immediate family", when it comes for payouts to passengers after an incident...

MinuteNoodles

peterapps123 said:

So many adverts for new cars and some insurance companies show cars full of friends but when you come to make sure all your passengers are insured, that's an extra that often does not seem to be easily covered. Sure, spouse and immediate family seem safe but friends are a different matter. I would like to see every passenger secure in their seat in your car, covered by insurance.

Sorry but this isn't the USA. It is a mandatory statutory requirement that all motor vehicle insurance policies cover any injury or damage to third parties. For the purposes of motor insurance passengers are considered a third party, regardless of their relationship to the policy holder. It is not legally possible for an insurance company to issue a policy that excludes passengers. Your employer may tell you they're not as an excuse for why they won't allow you to take passengers in a works vehicle but that's not actually true.

Ectophile

MinuteNoodles said:

peterapps123 said:

So many adverts for new cars and some insurance companies show cars full of friends but when you come to make sure all your passengers are insured, that's an extra that often does not seem to be easily covered. Sure, spouse and immediate family seem safe but friends are a different matter. I would like to see every passenger secure in their seat in your car, covered by insurance.

Sorry but this isn't the USA. It is a mandatory statutory requirement that all motor vehicle insurance policies cover any injury or damage to third parties. For the purposes of motor insurance passengers are considered a third party, regardless of their relationship to the policy holder. It is not legally possible for an insurance company to issue a policy that excludes passengers. Your employer may tell you they're not as an excuse for why they won't allow you to take passengers in a works vehicle but that's not actually true.

Curiously, Section 145 (4) (a) of the Road Traffic Act 1988 does not require an insurer to cover employees of the person who is driving.  I assume that's because employers are required to take out insurance for their employees under other legislation.

Grumpy_chap

Maybe the OP want insurance against losing friends because of bad scary driving.

Scrapit

I'm not expecting the op to return.