axa open driving

Johnaldinioh

My friend is just after telling me that axa have told him he can get insured in his car and then drive any car 2.5 or under and be fully insured. He is only 21 and has 1 year no claims. I was wondering if this is possible as i thought that only over 25s could get this level of cover. Thanks in advance for the help

Atomic Pineapple

Open drive is usually over 25's, that is that anyone over 25 can drive your car and be fully insured.

What your friend is likely to be talking about is 3rd party extension where he can drive other cars with exceptions like it cant be a company car, cant be a hire car etc (exceptions depend on the company, some limit the engine size etc also).

He will be able to drive other cars but will only be covered 3rd party.

Johnaldinioh

oh right and is this unusual for under 25s also ??? i was under the impression that you could not get this at just 21. So you can drive another car once its not your car ? Plus does the other car need to be insured by someone else before you will have the extension ?

stevenmu

It varies between insurance companies, but usually it doesn't have an age restriction. You do normally need a full license. Some companies require the other car to be insured by someone else, some companies do not. I'm pretty sure that for all companies, the other car can not be owned by you, your parents, your employer etc.

Basically if you're thinking of buying a 1 liter Micra, and an Evo 5 and only insuring the Micra and driving the Evo all the time, then no you can't do that

Atomic Pineapple

Johnaldinioh wrote: »

oh right and is this unusual for under 25s also ??? i was under the impression that you could not get this at just 21. So you can drive another car once its not your car ? Plus does the other car need to be insured by someone else before you will have the extension ?

As stevenmu says it depends entirely on the insurance company and there terms, I know with Quinn I had 3rd party extension when I was under 25 but again as stevenmu says you need a full license.

Anan1

The AXA deiving other cars extension is unusual in that it sometimes provides comprehensive rather than TP cover. From memory, though, you have to be with AXA for a few years to qualify.

Johnaldinioh

Basically if you're thinking of buying a 1 liter Micra, and an Evo 5 and only insuring the Micra and driving the Evo all the time, then no you can't do that [/QUOTE]

How come you cant do this??? I have my car under my dad well say i get the micra insure it etc and drive the ferrari lol . How can they stop you ?

slimjimmc

That's the oldest attempted trick in the insurance book and they usually have that one well covered with all sort of clauses, especially the get out of almost anything clause which is "full disclosure". If you try to hoodwink them and something happens that leads to a claim against you they can sue you for every cent paid including expenses and you can kiss goodbye to any notion of a decent quotation from any insurer for the next 5 years.