Car Insurance Policy Allowing you to Drive Other People's Cars on Third Party

Car_54

Goudy said:

Car_54 said:

Goudy said:

I have a fully comp Axa policy and that comes with DOC.

Just to straighten up something though, the other car still needs to be covered on it's own policy.
So you can borrow and drive someone elses car, third party with their permission, but the car needs to have it's own insurance, you can't drive a car that's not already insured on the third party DOC cover on your own policy.

Doesn't that depend on the particular policy? It's not a condition on mine (Aviva).

Obviously if the car isn't insured, its registered keeper is committing an offence, but the driver is not.

I'm not sure what Aviva state in their T&C's but I was under the impression that the other vehicle must have insurance regisitered against it.
Every policy I ever had with DOC on it has made it clear in their T&C's.

I would have thought some sort of dealer policy would allow you to drive cars without their own specific policy.

Every policy I've had with the condition has made it explicit on the actual certificate.

Goudy

I copied this from my Axa policy.

The policyholder only may also drive a car not owned by them or hired to them

under a hire purchase agreement, rental or short term hire agreement or annual

leasing agreement and which is not used in connection with the motor trade

provided:

•The owner of the car has valid insurance in force on that car which does not cover

the policyholder on this policy to drive that car.

•The owner of the car has given the policyholder permission to drive it.

•The car is being driven in Great Britain, Northern Ireland, the Channel Islands or

the Isle of Man.

So even her in doors, who is a named driver on my policy can't use this policy to drive other cars.

DullGreyGuy

Car_54 said:

Goudy said:

Car_54 said:

Goudy said:

I have a fully comp Axa policy and that comes with DOC.

Just to straighten up something though, the other car still needs to be covered on it's own policy.
So you can borrow and drive someone elses car, third party with their permission, but the car needs to have it's own insurance, you can't drive a car that's not already insured on the third party DOC cover on your own policy.

Doesn't that depend on the particular policy? It's not a condition on mine (Aviva).

Obviously if the car isn't insured, its registered keeper is committing an offence, but the driver is not.

I'm not sure what Aviva state in their T&C's but I was under the impression that the other vehicle must have insurance regisitered against it.
Every policy I ever had with DOC on it has made it clear in their T&C's.

I would have thought some sort of dealer policy would allow you to drive cars without their own specific policy.

Every policy I've had with the condition has made it explicit on the actual certificate.

Each insurer is different... as mentioned, Aviva doesnt require the vehicle to be insured on its standard direct policy as per the terms:

Driving other cars
We will insure the vehicle policyholder while driving any other car* (as long as they don’t own it or it is not being hired or provided to them under a hire purchase agreement or any other finance agreement) within the territorial limits providing:
• the vehicle policyholder is driving the car* with the owner’s express consent.
• the vehicle policyholder still has your vehicle and it has not been damaged beyond cost effective repair.
• the vehicle policyholder is aged 25 or above at inception or renewal of this policy.
• the certificate of motorinsurance indicates that the vehicle policyholder can drive other cars*.
• the vehicle is not an automated vehicle.
Named drivers are not entitled to benefits provided under the Driving other cars cover.
* For the purposes of this section only, the definition of ‘car’ includes a van under 3.5 tonnes gross vehicle weight, subject to the limitations of use as defined on the certificate of motor insurance.


So this would allow you to drive a foreign registered vehicle whereas the Covea HNW policy mentioned earlier which gives comp cover on DoC wouldnt. Shows why you need to read your policybook!

In some cases there can also be a disconnect between the marketing messages and the T&Cs... one famous direct insurer used to have in the preamble of the policy that DoC was for emergency/one off situations only but there was nothing in the T&Cs to stop you doing it daily.

Ectophile

Scrub what I said about AXA earlier.  It looks like their cover only covers specific cars that are on loan to you while yours is being repaired.

iainscomputer

Car_54 said:

Goudy said:

I have a fully comp Axa policy and that comes with DOC.

Just to straighten up something though, the other car still needs to be covered on it's own policy.
So you can borrow and drive someone elses car, third party with their permission, but the car needs to have it's own insurance, you can't drive a car that's not already insured on the third party DOC cover on your own policy.

Doesn't that depend on the particular policy? It's not a condition on mine (Aviva).

Obviously if the car isn't insured, its registered keeper is committing an offence, but the driver is not.

If the car to be driven hasn’t got it’s own insurance, it won’t be taxed. Vehicles can’t have tax without being insured, they can be insured without being taxed though!

roddydogs

You can tax a car for a year if the insurance is valid on that day.even if it expires the day after.

SoftCentaur

Although my Car Ins Cert states I CAN drive another car, one must read the full policy document to make sure.

My insurance (esure) states

"1b. Driving other cars

 If your certificate of insurance says so, this policy provides the same cover as above in 1a when you

are driving any other car as long as:

• the car has not been manufactured to carry more than 8 people and weighs less than 3.5 tonnes

Gross Vehicle Weight.

• there is no other insurance in place which provides the same cover.

• you have the owners permission to drive the car.

• the car is insured by the owner.

• the car is being driven in the UK, the Isle of Man or the Channel Islands.

• you still have your car and it has not been sold, declared SORN, written off or damaged beyond

cost effective repair.

 The cover does not apply if:

• the car is owned by you, or hired or leased to you under a hire purchase or leasing agreement.

• the car is hired or rented to you under a car hire rental agreement.

• your driving licence is not valid to drive in the UK or you’re breaking the conditions of your driving

licence.

 We do not cover loss of or damage to the car you are driving under this extension."

I also heard about a lady who took out a Courtesy car  from a garage whilst her car was being serviced.
Within the hour of leaving the garage, she was stopped when a police car with ANPR put their blues on.
She ASSUMED her fully comp insurance would cover her for the courtesy car, and she ASSUMED the garage had the car insured. In court she said the garage didn't tell her the courtesy car was not insured - but she did not ask them, so it cost her a few quid and a few points.

DanDare999

iainscomputer said:

Car_54 said:

Goudy said:

I have a fully comp Axa policy and that comes with DOC.

Just to straighten up something though, the other car still needs to be covered on it's own policy.
So you can borrow and drive someone elses car, third party with their permission, but the car needs to have it's own insurance, you can't drive a car that's not already insured on the third party DOC cover on your own policy.

Doesn't that depend on the particular policy? It's not a condition on mine (Aviva).

Obviously if the car isn't insured, its registered keeper is committing an offence, but the driver is not.

If the car to be driven hasn’t got its own insurance, it won’t be taxed. Vehicles can’t have tax without being insured, they can be insured without being taxed though!

They can have tax when not insured but you’d fall foul of the continuous insurance rules. 

Car_54

iainscomputer said:

Car_54 said:

Goudy said:

I have a fully comp Axa policy and that comes with DOC.

Just to straighten up something though, the other car still needs to be covered on it's own policy.
So you can borrow and drive someone elses car, third party with their permission, but the car needs to have it's own insurance, you can't drive a car that's not already insured on the third party DOC cover on your own policy.

Doesn't that depend on the particular policy? It's not a condition on mine (Aviva).

Obviously if the car isn't insured, its registered keeper is committing an offence, but the driver is not.

If the car to be driven hasn’t got it’s own insurance, it won’t be taxed. Vehicles can’t have tax without being insured, they can be insured without being taxed though!

Nonsense. The practice of checking insurance when you buy tax was abandoned years ago. If the car isn't insured the RK is committing an offence, but the tax remains valid.

TooManyPoints

Nonsense. The practice of checking insurance when you buy tax was abandoned years ago. If the car isn't insured the RK is committing an offence, but the tax remains valid.

Indeed. The "continuous Insurance" legislation is supposed to ensure that all vehicles are insured (as it would, if the DVLA ran a routine of vehicles not SORN'd against those insured).