Quinn Direct's "Driving Other Cars Extension"

L1011 · 12-12-2008 4:18pm

My August 2007 and August 2008 QD policies make no mention of being over 25 (and I'm not), but state that I can drive other vehicles if their own policy allows.

Do the company actually HAVE a consistent policy on this?

From the online version of the policy:

"Driving other cars
If your certificate of insurance says so, we will also cover you, the
policyholder, for your liability to other people while you are driving
any other private motor car which you do not own or have not
hired under a hire-purchase or lease agreement, as long as:
1 the vehicle is not owned by your employer or hired to them
under a hire-purchase or lease agreement;
2 you currently hold a full European Union (EU) licence;
3 the use of the vehicle is covered in the certificate of
insurance;
4 cover is not provided by any other insurance;
5 you have the owner’s permission to drive the vehicle;
6 the vehicle is in a roadworthy condition; and
7 you still have your vehicle and it has not been damaged
beyond cost-effective repair."

Cookie_Monster · 12-12-2008 4:27pm

MYOB wrote: »

.

Do the company actually HAVE a consistent policy on this?

I think that people here are mixing up "Open Drive" and "Drive other cars" which is causing the problem rather than Quinn...

Bobo78 · 12-12-2008 5:32pm

What is actually the difference between open drive and drive other cars?

lynchie · 12-12-2008 6:01pm

AFAIK, open drive allows anybody with a license to drive your vehicle even if they DONT have their own insurance policy with your consent of course.

NewApproach · 12-12-2008 8:38pm

Cookie_Monster wrote: »

"Open drive" or "drive other cars"

I was under the impression that you had to be at least 25 for open drive regardless of the policy, i know neither Axa, Quinn or Tesco gave me open drive but have had drive other cars with all 3

Apologies yes I meant I can drive other cars on 3rd Party basis under my own policy. Others can drive my car but that would be under their policy.

L-M · 12-12-2008 9:15pm

Ah f3ck, so i can't drive a van. Pity lol.

Just someone clear this. I can basically drive anything passenger, as long as i have permission from the owner. Insured regardless.

air · 12-12-2008 10:54pm

With regard to driving uninsured cars under your own policy's "driving other cars" provisions, I would be a little nervous about getting stung for not displaying insurance on the car. Anyone got any idea what the legal situation would be with regard to this?

NewApproach · 12-12-2008 11:06pm

Limerick-man wrote: »

Ah f3ck, so i can't drive a van. Pity lol.

Just someone clear this. I can basically drive anything passenger, as long as i have permission from the owner. Insured regardless.

From the QD Policy Document:

Driving other cars
If your certificate of insurance says so, we will also cover you, the
policyholder, for your liability to other people while you are driving
any other private motor car which you do not own or have not
hired under a hire-purchase or lease agreement, as long as:
1 the vehicle is not owned by your employer or hired to them
under a hire-purchase or lease agreement;
2 you currently hold a full European Union (EU) licence;
3 the use of the vehicle is covered in the certificate of
insurance;
4 cover is not provided by any other insurance;
5 you have the owner’s permission to drive the vehicle;
6 the vehicle is in a roadworthy condition; and
7 you still have your vehicle and it has not been damaged
beyond cost-effective repair.

This extension applies while being driven within the territorial
limits and only to private passenger vehicles. It does not include:
• vans;
• car-vans;
• jeep-type vehicles with no seats in the back; or
• vans adapted to carry passengers.

The above says 'If your certificate of insurance says so'.

The cert of insurance says:

'The policyholder, if they have a full EU license, may also drive, with the permission of the owner, any Private Motor Car subject to the terms and conditions of the policy'

http://www.quinn-insurance.ie/documents/motor_policy_roi.pdf <<the source for the first bit (see p 7/8)

the second bit is on my cert of insurance.

NewApproach · 12-12-2008 11:07pm

air wrote: »

With regard to driving uninsured cars under your own policy's "driving other cars" provisions, I would be a little nervous about getting stung for not displaying insurance on the car. Anyone got any idea what the legal situation would be with regard to this?

You are legally insured, so just produce your certificate of insurance in a garda station within ten days.

L1011 · 12-12-2008 11:10pm

ISTR there is no legal requirement for a disc to be issued if the policy is for less than ten days or something - e.g. temp transfers or cover like driving someone elses car. I'm sure if you search you'll find when this came up here recently.

air · 12-12-2008 11:13pm

That sounds cool lads, thanks for your opinions. Perhaps it's the requirement to display a valid tax disc that is clouding my judgement.

guil · 12-12-2008 11:28pm

lynchie wrote: »

AFAIK, open drive allows anybody with a license to drive your vehicle even if they DONT have their own insurance policy with your consent of course.

they have to be over 26 and have a full licence for open drive to cover them

Quinn Direct's "Driving Other Cars Extension"

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