Am i insured to drive another car for a few hours ?

[Deleted User]

Thanks for all the comments will leave it for another day and take out the one day insurance when needed.

nottsphil

etienneg said:

You are definitely NOT covered by insurance, as the owner (deceased's wife) does not have insurance on this vehicle (first bullet point requirement in your screenshot). This is a quite typical requirement.

It may be typical, but that line doesn't rule out the OP driving it. To me, it is simply the insurer declining to insure something that is already covered by somebody else. That is also a typical strategy of an insurance company!

531063

nottsphil said:

etienneg said:

You are definitely NOT covered by insurance, as the owner (deceased's wife) does not have insurance on this vehicle (first bullet point requirement in your screenshot). This is a quite typical requirement.

It may be typical, but that line doesn't rule out the OP driving it. To me, it is simply the insurer declining to insure something that is already covered by somebody else. That is also a typical strategy of an insurance company!

Any DOV policy I have had, requires the vehicle you intend to drive to be insured

TooManyPoints

It may be typical, but that line doesn't rule out the OP driving it. To me, it is simply the insurer declining to insure something that is already covered by somebody else. That is also a typical strategy of an insurance company!

It doesn't rule out him driving it - so long as he doesn't mind driving without the insurance cover required by law.

The condition attached to providing cover for driving other vehicles requires that "The owner of the car has valid insurance on that car which does not cover the policyholder on his policy to drive that car."

It is also nothing to do with declining to insure something that is already covered by somebody else. In fact, as you can see, the condition specifically requires that cover is not provided by somebody else. If the OP was covered under the owner's policy he would not be covered by the DOC extension on his own policy (and more to the point, he wouldn't need to be and so would not be asking this question).  

This condition became common when he "Continuous insurance" legislation (Section 144A of RTA) was introduced. Without it a car not covered by a policy specifically mentioning it (and thus in breach of that legislation) could be driven by those with  DOC extension on their own policy. 

chrisw

531063 said:

nottsphil said:

etienneg said:

You are definitely NOT covered by insurance, as the owner (deceased's wife) does not have insurance on this vehicle (first bullet point requirement in your screenshot). This is a quite typical requirement.

It may be typical, but that line doesn't rule out the OP driving it. To me, it is simply the insurer declining to insure something that is already covered by somebody else. That is also a typical strategy of an insurance company!

Any DOV policy I have had, requires the vehicle you intend to drive to be insured

There's no such requirement with Direct Line.

uknick

chrisw said:

531063 said:

nottsphil said:

etienneg said:

You are definitely NOT covered by insurance, as the owner (deceased's wife) does not have insurance on this vehicle (first bullet point requirement in your screenshot). This is a quite typical requirement.

It may be typical, but that line doesn't rule out the OP driving it. To me, it is simply the insurer declining to insure something that is already covered by somebody else. That is also a typical strategy of an insurance company!

Any DOV policy I have had, requires the vehicle you intend to drive to be insured

There's no such requirement with Direct Line.

Nor in my current insurer Quote Me Happy, or from what I can recall any policy I've had for a significant number of years.

Maybe when people say their policy DOV rules require the other car to be insured in its own right they should name the insurer who asks for this. 

GrumpyDil

Oddly I have had a policy which required the other vehicle to be insured (I think it may have been Hasting Direct and certainly the policy document I have just found online includes that limitation) but my current Aviva policy does not have this limitation.

Agreed that this varies by insurer.

sheslookinhot

chrisw said:

531063 said:

nottsphil said:

etienneg said:

You are definitely NOT covered by insurance, as the owner (deceased's wife) does not have insurance on this vehicle (first bullet point requirement in your screenshot). This is a quite typical requirement.

It may be typical, but that line doesn't rule out the OP driving it. To me, it is simply the insurer declining to insure something that is already covered by somebody else. That is also a typical strategy of an insurance company!

Any DOV policy I have had, requires the vehicle you intend to drive to be insured

There's no such requirement with Direct Line.

Direct Line will not cover damage, fire or theft if you are driving another car than that covered by your  policy.

chrisw

sheslookinhot said:

chrisw said:

531063 said:

nottsphil said:

etienneg said:

You are definitely NOT covered by insurance, as the owner (deceased's wife) does not have insurance on this vehicle (first bullet point requirement in your screenshot). This is a quite typical requirement.

It may be typical, but that line doesn't rule out the OP driving it. To me, it is simply the insurer declining to insure something that is already covered by somebody else. That is also a typical strategy of an insurance company!

Any DOV policy I have had, requires the vehicle you intend to drive to be insured

There's no such requirement with Direct Line.

Direct Line will not cover damage, fire or theft if you are driving another car than that covered by your  policy.

That's the same as all policies under driving other vehicles. You would have to get extended insurance if you wanted full coverage for the 'other' vehicle..

DullGreyGuy

chrisw said:

sheslookinhot said:

chrisw said:

531063 said:

nottsphil said:

etienneg said:

You are definitely NOT covered by insurance, as the owner (deceased's wife) does not have insurance on this vehicle (first bullet point requirement in your screenshot). This is a quite typical requirement.

It may be typical, but that line doesn't rule out the OP driving it. To me, it is simply the insurer declining to insure something that is already covered by somebody else. That is also a typical strategy of an insurance company!

Any DOV policy I have had, requires the vehicle you intend to drive to be insured

There's no such requirement with Direct Line.

Direct Line will not cover damage, fire or theft if you are driving another car than that covered by your  policy.

That's the same as all policies under driving other vehicles. You would have to get extended insurance if you wanted full coverage for the 'other' vehicle..

Not all, there are some mid net worth and high net worth policies that give you comp cover on DoC, some extend the same to your spouse and not just the policyholder too. See page 22 of https://www.coveainsurance.co.uk/media/3338/executive-motor-policy-wording-refresh.pdf as an example, though they cap it to vehicle worth up to £150,000 or the highest value of any of your own insured vehicles, whichever is higher.