car insurance

Richie1991

hi, does anybody know how i get a third party extension on my car policy im 20 with 2 years ncb and a full licence, Iv asked axa they say they dont offer it till im 25 but my friend has recieved it this year and he is a year younger, if any other insurance companys offer this could you let me know as im renewing my insurance in 2 weeks, thanks

Alanstrainor

Richie1991 wrote: »

hi, does anybody know how i get a third party extension on my car policy im 20 with 2 years ncb and a full licence, Iv asked axa they say they dont offer it till im 25 but my friend has recieved it this year and he is a year younger, if any other insurance companys offer this could you let me know as im renewing my insurance in 2 weeks, thanks

Don't know why you put this thread in DIY....moved.

MugMugs

From memory, QUINN or Liberty or Liberalized Quinn or whatever they call themselves are / were quite generous with who they gave their TP Ext too.

LookBehindYou

Richie1991 wrote: »

hi, does anybody know how i get a third party extension on my car policy im 20 with 2 years ncb and a full licence, Iv asked axa they say they dont offer it till im 25 but my friend has recieved it this year and he is a year younger, if any other insurance companys offer this could you let me know as im renewing my insurance in 2 weeks, thanks

Axa changed the rules this year (a few months ago) to only allow over 25 to have 3rd party extension (driving other cars) because this loohole was allowing some people to drive higher powered cars than the car that they have the insurance on.

pudzey101

LookBehindYou wrote: »

Axa changed the rules this year (a few months ago) to only allow over 25 to have 3rd party extension (driving other cars) because this loohole was allowing some people to drive higher powered cars than the car that they have the insurance on.

I got in before the rule then im 21 with full and have open
Ya id say quinn do it alright wudnt hurt to ring em up and ask

Otis Driftwood

pudzey101 wrote: »

I got in before the rule then im 21 with full and have open
Ya id say quinn do it alright wudnt hurt to ring em up and ask

Are you confusing open driving with driving of other cars?

Open driving means people under set criteria eg age,are covered to drive your car under your insurance.

Driving of other cars means you are covered to drive a car you dont own under your own insurance.

barura

Alanstrainor wrote: »

Don't know why you put this thread in DIY....moved.

You seem to move these threads from DIY a lot, is it a server error or something that happens?

Sorry for being off topic!

pudzey101

Otis Driftwood wrote: »

Are you confusing open driving with driving of other cars?

Open driving means people under set criteria eg age,are covered to drive your car under your insurance.

Driving of other cars means you are covered to drive a car you dont own under your own insurance.

Ya whatever its called i have them haha im a dunce when it comes to insurance lol
I can drive other cars with permission thats all i know lol

Alanstrainor

barura wrote: »

You seem to move these threads from DIY a lot, is it a server error or something that happens?

Sorry for being off topic!

Dunno what's goin on tbh!

pudzey101 wrote: »

Ya whatever its called i have them haha im a dunce when it comes to insurance lol
I can drive other cars with permission thats all i know lol

Are you 100% sure about that? I know I can't get it on my insurance until I hit 25. Would be worth reading through your insurance docs, or giving them a call to clarify.

pudzey101

Alanstrainor wrote: »

Dunno what's goin on tbh!


Are you 100% sure about that? I know I can't get it on my insurance until I hit 25. Would be worth reading through your insurance docs, or giving them a call to clarify.

100%
Who you with im axa?:) iv been with them since im 17 so 5 years ncb i checked up with quinn they wudnt do it untill i was 25 alright
but now iv my full and over 21 axa said they have to quote me on anything ( even though the price would prob be ridiculous) :pac:

MugMugs

sorry to ruin the illusion Pudzey but nobody "has" to do anything. The man down the road does not "have" to sell you a pint of milk and AXA do not "have" to quote you on a policy.

CoDy1

pudzey101 wrote: »

100%
Who you with im axa?:) iv been with them since im 17 so 5 years ncb i checked up with quinn they wudnt do it untill i was 25 alright
but now iv my full and over 21 axa said they have to quote me on anything ( even though the price would prob be ridiculous) :pac:

AFAIK If you are under 25 you don't have 3rd party extension (driving other cars) anymore regardless of when you took out the policy. This new decision was to affect new and existing policy holders.

matt70iu

With Liberty/Quinn, and got the third party extension once I passed my test. You have to be a full license holder for Liberty to give the third party extension, regardless of age. Best thing to do is to check on your cert of insurance. If not sure, ring them.

Some insurers offer the third party extension as an optional extra etc. Most will not offer it until you at least have your full license, but it's different for every company.

Axa used to give it to pemit drivers over 25 and full license holders over 22. As others have said, I think they may have changed this now though.

Bawnmore

CoDy1 wrote: »

AFAIK If you are under 25 you don't have 3rd party extension (driving other cars) anymore regardless of when you took out the policy. This new decision was to affect new and existing policy holders.

Are you sure? I'm with Axa and had 3rd party extension up until renewal time (as far as I know), but don't have it after renewal as I'm 24. Surely they can't change the terms of an agreed policy half way through.

As an aside - when I was renewing, I was told that the policy would stay the exact same as my previous policy. It wasn't until I questioned the 3rd party renewal that I was told it was no longer available for under 25's.

MugMugs

Bawnmore wrote: »

Are you sure? I'm with Axa and had 3rd party extension up until renewal time (as far as I know), but don't have it after renewal as I'm 24. Surely they can't change the terms of an agreed policy half way through.

As an aside - when I was renewing, I was told that the policy would stay the exact same as my previous policy. It wasn't until I questioned the 3rd party renewal that I was told it was no longer available for under 25's.

Well in theory they can do what they like with their terms and conditions however if they retracted something that was on your certificate of insurance then they would be obliged to send you a new cert of insurance highlighting the change.

I dont think he meant a Mid Term change more so a change come renewal.

Never EVER take anything on here as gospel though. Always call your insurer to double check if you have any queries.

matt70iu

MugMugs wrote: »

Well in theory they can do what they like with their terms and conditions however if they retracted something that was on your certificate of insurance then they would be obliged to send you a new cert of insurance highlighting the change.

I dont think he meant a Mid Term change more so a change come renewal.

Never EVER take anything on here as gospel though. Always call your insurer to double check if you have any queries.

Exactly, there's far too many variables across different insurers for anyone to be 100% sure.

CoDy1

Bawnmore wrote: »

Are you sure? I'm with Axa and had 3rd party extension up until renewal time (as far as I know), but don't have it after renewal as I'm 24. Surely they can't change the terms of an agreed policy half way through.

As an aside - when I was renewing, I was told that the policy would stay the exact same as my previous policy. It wasn't until I questioned the 3rd party renewal that I was told it was no longer available for under 25's.

I just checked it there and you are indeed correct, If you had this extension on your existing policy, you will have it up until your renewal. If you are still under 25 at renewal, you will lose it.