Car insurance policy with DOC

DullGreyGuy

TooManyPoints said:

*Edit* forgot to mention the above 3 only has 3rd party insurance coverage when driving someone else's insured car

That's standard. No insurer is going to provide comprehensive cover for a DOC extension. If they did, you could insure a ten year old Ford Fiesta, borrow a Rolls Royce or a Ferrari, write it off and your insurer would have to pay the owner its value.

Yes they will, for example Covea Executive car insurance gives comp DoC for Insured and Spouse as standard https://www.coveainsurance.co.uk/products-and-services/high-net-worth/executivemotor/ but up to a cap of £150,000 

Hiscox goes further and doesn't have a cap https://www.hiscox.co.uk/606home/ however to buy their Motor you need to have their HNW Home insurance which is above their normal direct proposition. Contents is a minimum of £150,000 sum insured excluding valuables; there's an equally high minimum rebuild cost but cannot remember what it is off hand. 

At least one of the vehicles on the Hiscox Motor must have been over £30,000 new, other vehicles dont have to have been.