Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Insurance question

  • 23-05-2011 11:07am
    #1
    flash1080
    Banned (with Prison Access) Posts: 1,017 ✭✭✭


    I have fully comp insurance which allows me to drive other peoples' cars (with their permission) with third-party cover, but is this still valid if the person who owns the car isn't insured on it? (i.e. Can I drive someone else's car if they have no insurance?)


Comments

  • #2
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    flash1080 wrote: »
    I have fully comp insurance which allows me to drive other peoples' cars (with their permission) with third-party cover, but is this still valid if the person who owns the car isn't insured on it? (i.e. Can I drive someone else's car if they have no insurance?)
    That depends on the t&cs of your own insurance policy.


  • #3
    challengemaster
    Registered Users, Registered Users 2 Posts: 16,930 ✭✭✭✭challengemaster


    Depends on the policy - you'd need to check the docs/website for more info on it

    (if it's Quinn, the answer is yes, but the car is only insured when you're driving it so parking it somewhere on public propertly leaves it open to a ticket or two)


  • #4
    no1beemerfan
    Closed Accounts Posts: 1,714 ✭✭✭no1beemerfan


    flash1080 wrote: »
    I have fully comp insurance which allows me to drive other peoples' cars (with their permission) with third-party cover, but is this still valid if the person who owns the car isn't insured on it? (i.e. Can I drive someone else's car if they have no insurance?)

    It sounds a bit risky to me. Only way I'd satisfy myself is pick up the phone and ring my insurance co. I wouldn't go by what would be said on an internet forum. When it comes to insurance don't take any risks!


  • #5
    flash1080
    Banned (with Prison Access) Posts: 1,017 ✭✭✭flash1080


    My own policy doc doesn't mention anything about them needing to be insured on it, I thought there wouldn't be a problem but someone told me otherwise so I asked here. I'll phone my insurance company to be sure.


  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    If you phone them you can't trust the person who talks to you, their job is to deal with quotations and renewals, not to provide a legal interpretation of the policy.

    Just as on boards.ie you will get different opinions depending on who you talk to so I wouldn't trust anything they say on the phone because they can deny it afterwards, they have the call recorded, you don't.

    Download the policy and read it. My policy (Axa) includes the condition that the (other person's) car I'm driving must not be on hire and must not be on a lease with my employer, otherwise I can drive any car regardless of whether it's covered by a policy or not.


  • Advertisement
Advertisement