Insurance - Driving Other cars

timmywex

Hey,

I did a quick search but couldnt find much.

Basically dad has an insurance policy whereby he is comprehensively insured to drive any car, my question is does this car have to have any other insurance?! It doesnt say so on the insurance cert but the problem would be that he wouldnt have a insurance disc for this "second car" and then if stopped, could be fined?! Taxing the "second car" would be an issue aswell?!


Basically its all messed up and the parents are planning on getting a new car but insurance is quite messed up until october, difficult to explain!

Thanks

hilltop

timmywex wrote: »

Hey,

I did a quick search but couldnt find much.

Basically dad has an insurance policy whereby he is comprehensively insured to drive any car, my question is does this car have to have any other insurance?! It doesnt say so on the insurance cert but the problem would be that he wouldnt have a insurance disc for this "second car" and then if stopped, could be fined?! Taxing the "second car" would be an issue aswell?!


Basically its all messed up and the parents are planning on getting a new car but insurance is quite messed up until october, difficult to explain!

Thanks

I know I'm insured to drive any car but only third party fire and theft and only up to the value of my own car but the other car must have it's own insurance. It only applies where there is infrequent use as far as I know.

CoDy1

I think Axa are the only ones that offer a policy that covers Comprehensive driving of other cars, think its called ExecutiveFirst. He may have this policy, otherwise he will only have Third Party only cover.

Also, the other vehicle cannot be owned by you and it doesn't always have to be insured some policies require it only to be taxed as it will be your own policy that insures it will you drive.

Your Certificate (not disc) states whether you have the extension to drive other vehicles, so all he would need to produce if stopped is this.

Driving of other cars is supposed to be for emergencies or if it is extremely necessary, so if you are buying another vehicle, you would need another policy.

timmywex

The plan is to register it to me for 3 months i think, totally messed up all the same!

Thanks,

DaveyGem

timmywex wrote: »

Hey,

I did a quick search but couldnt find much.

Basically dad has an insurance policy whereby he is comprehensively insured to drive any car, my question is does this car have to have any other insurance?! It doesnt say so on the insurance cert but the problem would be that he wouldnt have a insurance disc for this "second car" and then if stopped, could be fined?! Taxing the "second car" would be an issue aswell?!


Basically its all messed up and the parents are planning on getting a new car but insurance is quite messed up until october, difficult to explain!

Thanks

Driving of other cars is granted (by nearly every insurance company) to all there customers once they have a full licence. There are certain stipulations however, eg value limits of car, engine size etc.

Also, Driving of other cars is limited to "Any motor car driven by the insured with permission from the owner of the vehicle, so long as the vehicle is not owned by the insured themselves"

So if your parents want to drive a car that they have bought they will have to do a transfer of insurance on their current policy, or take out a new policy on the new car, if the want to insure (and drive) both cars.

In most cases driving of other cars is third party only (not fire and theft for obvious reasons, because a car is unlikely to be stolen or burned out while you are driving it) but if you ve been with the same company fro a number of years claim free (usually 3 or 5 yrs) they will upgrade it to free of charge.


AXA executive first policies are for customers in a certain age bracket and who drive expensive cars eg mercs. While fully comp driving o other cars is on this particular policy it is certainly not the only policy available for people who want D. O.C.

PeakOutput

doc(driving of other cars) does not apply to cars he owns as has been pointed out. unless he has been specifically told he has comp doc he is only covered fr third party when he is driving a different car

the way you describe what you want to do is probably not allowed/legal but its hard to tell without a full explanation

galwaytt

...some years ago, DOV (Driving Other Vehicles) was rescinded due to loads of peopley buying the likes of Micra's and insuring them in own-name, and buying the likes of a Corolla GT and driving that under the DOV clause......

...it has returned and some companies have the caveat the the 'other vehicle' as well as the conditions above, that it also be insured by it's owner...........this again to stop you driving that Gti in your mother's name you bought and which doesn't have an ins disc of it's own.....

I'd be surprised, tbh, that your parents cover gives them Comp DOV at all, I think you're mixing up Comp, and DOV - they are not linked.

DaveyGem

galwaytt wrote: »

...some years ago, DOV (Driving Other Vehicles) was rescinded due to loads of peopley buying the likes of Micra's and insuring them in own-name, and buying the likes of a Corolla GT and driving that under the DOV clause......

...it has returned and some companies have the caveat the the 'other vehicle' as well as the conditions above, that it also be insured by it's owner...........this again to stop you driving that Gti in your mother's name you bought and which doesn't have an ins disc of it's own.....

I'd be surprised, tbh, that your parents cover gives them Comp DOV at all, I think you're mixing up Comp, and DOV - they are not linked.

the caveat now is that the vehicle "can not be owned by you are be hired to you under a hire purchase agreement" while this does still leave the door open for the above carry on, insurance companies take a hard line when it comes to claims regarding doc/dov and I think while they are loath to have their name dragged through the mud when it comes to paying out fro third parties they are happy enough to oblige but they don't have to offer a competitive premium come renewal time.

Also what I think the OP (or is parents) are trying to do is effectively insure two cars on the one policy by registering the old car under a new name, and manipulating DOC/DOV. Insurance companies have been around a long time, they ve seen it all before. Read your policy booklet i'm sure there's a section about "fair use" etc. PLus there's the whole non disclosure aspect of this mess.

See how much a second policy costs if your parents are valued customers the company might mirror the no claims discount, this would certainly reduce the cost of the second policy.