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Letting someone drive my car? Am I allowed?

  • 24-05-2014 11:16pm
    #1
    arleitiss
    Registered Users Posts: 3,515 ✭✭✭


    Hey, I know many will say: "check insurance cert"
    so anyway, I am the insured one, and my parents are named drivers, under the named driver section it says:

    "Any person in the Motor Trade who is driving with the insured's consent for purposes necessitated by the overhall, upkeep and/or repair of the vehicle for the insured."

    and below that in addition it says:

    "Provided that the person driving holds a license to drive the Vehicle or has held and is not disqualified for or prohibited by law from holding or obtaining such a license."


    I don't quite fully understand that sentencing but - Who is covered to drive my car? if I have a friend who holds full clean Irish license, is he allowed to drive it?

    Or does that mean only mechanics in garages are covered?

    Thanks.


Comments

  • #2
    obezyana
    Closed Accounts Posts: 1,498 ✭✭✭obezyana


    Anyone person can drive your car as long as it is stipulated in their own insurance.


  • #3
    challengemaster
    Registered Users Posts: 16,931 ✭✭✭✭challengemaster


    Anyone with a licence CAN drive it, they just may or may not be insured to do so.

    Most insurance policies state what you've quoted above, in relation to people in the motor trade driving the car. This means that the insurance policy covers them driving the car for the purpose of repairs (they're insured to move the car from place to place), however, this is also usually accompanied by a clause that in the event of an accident with said mechanic driving, the claim is from their motor trade insurance, not the owners insurance policy.

    Aside from that, anyone else who is insured to drive the car are either: named drivers on the policy OR people who's own insurance policy covers them for driving other peoples cars.

    There's no real simple answer apart from: Mechanics can, named drivers can, anyone else needs to check THEIR OWN insurance policy.


  • #4
    arleitiss
    Registered Users Posts: 3,515 ✭✭✭arleitiss


    challengemaster wrote: »
    Anyone with a licence CAN drive it, they just may or may not be insured to do so.

    Most insurance policies state what you've quoted above, in relation to people in the motor trade driving the car. This means that the insurance policy covers them driving the car for the purpose of repairs (they're insured to move the car from place to place), however, this is also usually accompanied by a clause that in the event of an accident with said mechanic driving, the claim is from their motor trade insurance, not the owners insurance policy.

    Aside from that, anyone else who is insured to drive the car are either: named drivers on the policy OR people who's own insurance policy covers them for driving other peoples cars.

    There's no real simple answer apart from: Mechanics can, named drivers can, anyone else needs to check THEIR OWN insurance policy.

    Oh that clears up things, for some reason I thought my insurance could cover other driver if I am in car. Thanks.


  • #5
    CiniO
    Registered Users Posts: 16,088 ✭✭✭✭CiniO


    challengemaster wrote: »
    Most insurance policies state what you've quoted above, in relation to people in the motor trade driving the car. This means that the insurance policy covers them driving the car for the purpose of repairs (they're insured to move the car from place to place), however, this is also usually accompanied by a clause that in the event of an accident with said mechanic driving, the claim is from their motor trade insurance, not the owners insurance policy.
    Never seen such clause.
    What if mechanic doesn't have motor trade insurance?


  • #6
    visual
    Closed Accounts Posts: 3,268 ✭✭✭visual


    CiniO wrote: »
    Never seen such clause.
    What if mechanic doesn't have motor trade insurance?

    Neither have I seen a clause like that but insurance companies play by their own rules and it wouldn't surprise me if someone came forward with this stipulated in their policy.


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  • #7
    Stainless_Steel
    Closed Accounts Posts: 1,155 ✭✭✭Stainless_Steel


    I could be wrong here...

    I think that if you or your names drivers are NOT driving your car, then it is dependent on the driver whether or not THIER insurance is valid to drive your car.


  • #8
    Thoie
    Registered Users Posts: 6,344 ✭✭✭Thoie


    arleitiss wrote: »
    Oh that clears up things, for some reason I thought my insurance could cover other driver if I am in car. Thanks.


    You can buy insurance that allows anyone to drive the car (with your permission) - it's usually purchased by companies, and the last time I looked it was hideously expensive.

    Friends and I sometimes drive each others cars, but we do so under our own insurance (which we've checked in advance). So, you and I are going somewhere together in your car, you get tired, I take over the driving, and at that stage I'm driving your car under my insurance, which specifically states that I may do so. You can't assume that other people's insurance will cover them either.


  • #9
    challengemaster
    Registered Users Posts: 16,931 ✭✭✭✭challengemaster


    I hadn't seen it either until a similar thread a while back, with someone looking for clarification on their policy. I'm not all that bothered trying to find it.


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