Insured with Hibernian and driving other cars

NiSmO

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Holsten

Thought it was had to be over 25, full licence, no points.

irlirishkev

You can drive any car that your driving license will allow.

As regards the other car being insured. You can only drive the other car if either:

a) you transfer your insurance over to that car, in which case you'll be covered to the extent of your policy (3rd party or fully comp)
or
b) the other car has some sort of insurance cover (ie someone else's policy). You still need your own policy to drive it, and it will only be 3rd party.

I'm with Hibernian, and this is my understanding of it.

K.

Barr

NiSmO wrote: »

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No limit on the type of car , it could be an Aston Martin etc only catch is its cover third party only

No the car does not have to be insured for the cover to apply

Marcus.Aurelius

You can only drive other vehicles with the permission of the owner AND provided your certificate of insurance states that you may drive such a vehicle.

Usually it is written on your certificate under vehicles insured, IIRC, but I can't see my own cert at present, otherwise I'd check it for you!

As the driver of the vehicle, you must ensure that it is roadworthy and has current tax, otherwise you could get the points rather than the registered owner, so watch yourself.

Steve

The only real answer to this is to ask the insurance company. They can impose different conditions depending on the driver risk (age / points / history etc).
Any advice you get here will depend on the individual circumstances of the person posting it.

In general it seems that once you get 'other car' cover it will cover any car you or a family member or employer do not own, for the minimum third party cover to be legal to drive it.

I have also heard of some companies extending this to fully comp after a few years as a loyalty bonus.

Henry Ford III

Read your policy document.

It's all there, and no other opinions are relevant.

Max_Damage

I'm 21 and with Hibernian, and on my insurance form it says I can drive any car once I have permission from the owner of the given vehicle.

With Hibernian, there is no age limit, but check your insurance form just to be sure that you're covered.

wet-paint

I too am with Hibernian and had a few questions on this so I rang them and a really helpful woman gave me all the details.

They do not require the other car to be taxed or insured for you to be covered. Obviously, the law requires it, but they don't. It doesn't have to be an irish car, or a right hand drive car. You can not drive it outside the 26 counties. It can be any car, as said.

Slidey

I'm th same, AXA would not allow me have the open drive because im in the trade but I told Hibernian and they said it was no problem.

A garda got right lippy with me when i first had it and asked "how does this magic insurance work then?" I was driving my 'old lads' e30 325i sport at the time

wet-paint

You've got that slightly backwards.
Open drive is making it so that anyone can drive your car. What we're discussing is the option to drive anybody elses car.

Slidey

Ah thats what i meant... just fcuked up the wording slightly

Nonoperational

Holsten wrote: »

Thought it was had to be over 25, full licence, no points.

I doubt theres a condition on any driving other cars policy that says its only allowed if you have no points. Anyway afaik hibernian is over 17, full licence and permission on another insured car.

jimmycrackcorm

wet-paint wrote: »

I too am with Hibernian and had a few questions on this so I rang them and a really helpful woman gave me all the details.

They do not require the other car to be taxed or insured for you to be covered. Obviously, the law requires it, but they don't. It doesn't have to be an irish car, or a right hand drive car. You can not drive it outside the 26 counties. It can be any car, as said.

This is interesting as I had this argument recently. What exactly does the law say about me, as a driver with a "drive other cars" policy, if that car is taxed for example but not currently insured by the owner. The most obvious example is if I got to buy a car from a private seller who has transferred insurance to a new car. If I take it for a test drive then am I breaking the law despite having a drive other cars policy ( and My policy doesn't say anything about requiring the other car to be insured ).

Barr

jimmycrackcorm wrote: »

This is interesting as I had this argument recently. What exactly does the law say about me, as a driver with a "drive other cars" policy, if that car is taxed for example but not currently insured by the owner. The most obvious example is if I got to buy a car from a private seller who has transferred insurance to a new car. If I take it for a test drive then am I breaking the law despite having a drive other cars policy ( and My policy doesn't say anything about requiring the other car to be insured ).

Nope your legally entitled to drive the car as long as you have the driving of other cars extension on your policy .Per above the car your test driving does not need to be insured .

daveharnett

NiSmO wrote: »

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AFAIK it works for any car which meets your insurer's basic assumptions, whatever they are. (Common examples would be: no modifications, worth less than 100,000 etc...)

The other thing to bear in mind is that they only cover you 'to the minimum extent required by law'. Which means... I guess... umm... don't crash it?

Rowley Birkin QC

Sick of the GT already Nismo?!

I'm covered third party to drive any car by my policy but as previously posted only your insurance company can give the definitive answer. Definitely worth a call. I'm not covered to drive any commercial vehicle such as a van or a commercial jeep by my policy, afaik thats the only restriction.

rebel.ranter

If your insurance has driving of other cars, you are insured 3rd party on someone else's car as long as you have their permission to drive it. That's not the end of your legal obligations though.
If the car has no tax you could be prosecuted for that, if it requires NCT & there's none you could be fined.

Also another interesting question is that you are legally obliged to display an insurance disc, I wonder what the position would be here if you were stopped?
I'd imagine if tax/NCT was in order then there would be no issue.

wet-paint

jimmycrackcorm wrote: »

This is interesting as I had this argument recently. What exactly does the law say about me, as a driver with a "drive other cars" policy, if that car is taxed for example but not currently insured by the owner. The most obvious example is if I got to buy a car from a private seller who has transferred insurance to a new car. If I take it for a test drive then am I breaking the law despite having a drive other cars policy ( and My policy doesn't say anything about requiring the other car to be insured ).

As I'd see it, you can get done for driving an uninsured car, as every car has to be insured unless it's certified as being off the rtoad, in which case you should only be driving it on provate property.
The law supercedes the insurer's policy.

Barr wrote: »

Nope your legally entitled to drive the car as long as you have the driving of other cars extension on your policy .Per above the car your test driving does not need to be insured .

I'd see a difference between being insured and being legally entitled to drive it.

rebel.ranter wrote: »

Also another interesting question is that you are legally obliged to display an insurance disc, I wonder what the position would be here if you were stopped?
I'd imagine if tax/NCT was in order then there would be no issue.

Ah there are a few ways out of this, now with the mass of online insurers who insure you from the moment you pay the premium, but it takes a while for the disc to be sent out.
In the real world, you can tell the cop you're test driving it and try your luck sure.

Esel

wet-paint wrote: »

As I'd see it, you can get done for driving an uninsured car, as every car has to be insured unless it's certified as being off the road, in which case you should only be driving it on private property.

Wouldn't it just be for non-display of insurance disc?

Steve

esel wrote: »

Wouldn't it just be for non-display of insurance disc?

yup.
The car would be insured, the disc is the problem.

ms_pink06

Steve wrote: »

yup.
The car would be insured, the disc is the problem.

The disc is not a problem, as per legal guidelines so long as you have proof of minimum Road Traffic Requirements which if Third Party only you are okay to drive if stopped by Gardai.
Anybody who is covered for DOC/Driving other cars Third Party would have this stated on their motor insurance certificate and can carry this document with them as their proof of cover.

The vehicle itself does not need to be insured as once the driver with DOC is behind the wheel they are legally covered, once the car does not belong to them and once they have the owners permission. it is also their responsibilty to make sure the vehicle they drive is roadworthy/NCT'd

You can still be liable for issues with Gardai though if vehicle is not taxed....apart from that, happy out, great in case of emergency.

Hope this helps ye guys....(insurance agent)

In saying this, some poorly reputable companies do look for any way out of claims, but will do for any loophole... so make sure to get these details confimed by your own insurer and either get written confirmation of stipulations or agents name for your own piece of mind.