sisters insurancd name driver???

wicklaman83

my sister is a named driver with a full licence on a corsa which she drives now and again.the car broke down today and was going to drive my parents car but didnt because she was told she wasnt insured on it as a named driver.

is this right???

jt123456

More of a Motoring issue to be honest.

From speaking to an insurance company about the same issue a few weeks ago, If she has fully comp insurance in her own name (not named driver) then she is usually covered to drive any other vehicle that also has fully comp within the same class. So in the situation you described she wouldnt be insured. Best thing is to check the terms on the insurance policy ot ring them up.

wicklaman83

ok thanks.mods if you feel its a motoring issue can you redirect it rather than closing it.thanks

i was basically just asking for a guards point of view if they stopped someone in this situation

sdanseo

Guards point of view would likely be to figure out whether or not she was insured; she's not. Don't let her drive the car whatever you do

Hooch

sdonn wrote: »

Guards point of view would likely be to figure out whether or not she was insured; she's not. Don't let her drive the car whatever you do

+1. No person whos a name driver on a policy, regardless of if it is fully comp or third party is NOT insured to drive another vehicle. The policy holder may be able to drive all vehicles but not the name driver.

Zambia

nice guy always wrote: »

+1. No person whos a name driver on a policy, regardless of if it is fully comp or third party is NOT insured to drive another vehicle. The policy holder may be able to drive all vehicles but not the name driver.

This has always been my understanding of it. The best thing to do is have her ring the insurance company and ask.

sunnyjim

jt123456 wrote: »

More of a Motoring issue to be honest.

From speaking to an insurance company about the same issue a few weeks ago, If she has fully comp insurance in her own name (not named driver) then she is usually covered to drive any other vehicle that also has fully comp within the same class. So in the situation you described she wouldnt be insured. Best thing is to check the terms on the insurance policy ot ring them up.

Another thing is that many fully comp policies stipulate that if you are under 25 years of age, you are not infact insured to drive any other car.

meathstevie

In my opinion this is a plain and simple situation. Before you get behind the wheel of a car and take it on the road you should know whether you're insured to drive it or not. There's so many different permutations in policies as in who's allowed to drive a vehicle that the onus really is on the driver to have a quick look at the certificate when in doubt. If you get caught without insurance the consequences can be quite unpleasant but they become nasty when you're involved in an accident.

sunnyjim

Depends on the judge. There was in an accident where a driver beckoned on car to come across it to turn right. However, the were two lanes going the one direction, and the driver who came out went straight across the 2nd lane without looking. She was uninsured, on a provisional license (at the time). Hit a motorbike. Rider seriously injured. Civil case went 60:40 in her favour, and no prosecution for the uninsured provi driver. FFS.