Fully comp for other driver ?

joebob

My 85 year old mother has just had her renewal  letter for car insurance nearly £500 I have been on comparison sites and got it down to around £200 by putting my 60 year old sister on as main driver (which she is)  The only thing is would my mother be fully comp as well ? as she would now be the non main driver, i have looked through quote but cannot find anything.

General_Grant

It's the car which is insured "fully comp".
However if either of the named drivers were to drive another vehicle on the basis of this insurance then that would not be.

joebob

Thanks for clearing that up General

Aretnap

If the policy is a comprehensive one, the comprehensive cover applies to both the main and additional drivers.

Possibly you are thinking of the driving other cars cover which (on some policies) will allow the policyholder to drive cars that he/she doesn't own, but usually on a third party only basis. 

Carrot007

General_Grant said:

It's the car which is insured "fully comp".

I'm pretty sure you can have different cover for named drivers on some policy's. However it is whatever the policy states (and you asked for).

Going anything than fully comp only saves pennies (or costs more) though IME. Though I am over 40! May be a reason to go there for younger drivers.

pramsay13

The fully comprehensive cover doesn't necessarily apply to the car. 
You need to check the wording of the policy and if you are unsure you should phone them to check.

Aretnap

Carrot007 said:

General_Grant said:

It's the car which is insured "fully comp".

I'm pretty sure you can have different cover for named drivers on some policy's. However it is whatever the policy states (and you asked for).

Such policies might exist somewhere in an obscure corner of the insurance world, but they are not the norm, and would be the sort of thing you would probably have to go out of your way to find. 

Some policies do have a higher excess where the driver is below a certain age, and this could make them effectively third party only where the named driver is young and the car is of low value, but this is unlikely to be an issue where the drivers are 85 and 60.

Aretnap

General_Grant said:

It's the car which is insured "fully comp".
However if either of the named drivers were to drive another vehicle on the basis of this insurance then that would not be.

Typically driving other cars cover applies only to the policyholder - most policies will not provide any cover for named drivers to drive other cars. (Some don't provide it at all for either driver).

A few high end insurers (Hiscox, Chubb) do offer policies that will cover all named drivers to drive other cars on a fully comprehensive basis - but again those policies tend to be the sort of thing you have to go out of your way to find. And they're not cheap - they're aimed at the sort of people for whom price is not the main factor in their buying choices. 

Sandtree

Aretnap said:
And they're not cheap - they're aimed at the sort of people for whom price is not the main factor in their buying choices. 

Not only that but you have to normally meet their minimum requirements...Hiscox used to require you have their home insurance too.You can’t pay way over the odds to insure a 5 year old Mondeo hoping to leverage the other benefits 

Aretnap

Sandtree said:

Aretnap said:
And they're not cheap - they're aimed at the sort of people for whom price is not the main factor in their buying choices. 

Not only that but you have to normally meet their minimum requirements...Hiscox used to require you have their home insurance too.You can’t pay way over the odds to insure a 5 year old Mondeo hoping to leverage the other benefits 

Indeed - I also vaguely remember reading that Hiscox would not be interested unless your own car had a minimum value of about £40K, though whether this is still true I don't know. Never looked into it properly as I don't really move in the right circles to make the best use of a "fully comp to drive other people's cars" policy, alas.

Sandtree

Aretnap said:
Never looked into it properly as I don't really move in the right circles to make the best use of a "fully comp to drive other people's cars" policy, alas.

Before the continuous insurance requirements came in I knew a couple of people who'd hoped to manufacture "other people" owning cars that they could then drive without otherwise insuring them.

I did get a quote a while back out of curiosity and it was actually probably about in the middle of all the sane quotes I got but they required you to buy home insurance from them too and there the policy was exceptionally expensive.