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car insurance question??

  • 18-12-2011 3:43pm
    #1
    bazq69
    Closed Accounts Posts: 5 ✭


    just wondering does anyone have a definite answer to this question. i have my car insured fully comp with one named driver on the policy. if the name driver is driving and crashes the car is he insured fully comp aswel or will it only be 3rd party??? any help appreciated


Comments

  • #2
    Delancey
    Closed Accounts Posts: 5,451 ✭✭✭Delancey


    Probably better asking this question in the Motors forum.


  • #3
    bazq69
    Closed Accounts Posts: 5 ✭bazq69


    ok cheers


  • #4
    bath handle
    Banned (with Prison Access) Posts: 370 ✭✭bath handle


    bazq69 wrote: »
    ok cheers
    Probably better to read your policy document or better still ask your insurance broker.


  • #5
    bazq69
    Closed Accounts Posts: 5 ✭bazq69


    bath handle wrote: »
    Probably better to read your policy document or better still ask your insurance broker.

    hard enough to find out of ur broker wen dey are not open on a sunday!!


  • #6
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭MagicSean


    bazq69 wrote: »
    hard enough to find out of ur broker wen dey are not open on a sunday!!

    So read your policy


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  • #7
    wingnut
    Registered Users, Registered Users 2 Posts: 1,942 ✭✭✭wingnut


    bazq69 wrote: »
    just wondering does anyone have a definite answer to this question. i have my car insured fully comp with one named driver on the policy. if the name driver is driving and crashes the car is he insured fully comp aswel or will it only be 3rd party??? any help appreciated

    It will be stated on the policy document.


  • #8
    logonmar
    Registered Users, Registered Users 2 Posts: 87 ✭✭logonmar


    If the named driver is over 25 & holds a full driving licence it is more than likely that cover will be the same as for yourself.

    The one area where your policy cover drops is where you have 'driving of other vehicles' cover on your policy. This is for the very obvious reason that youy might have comprehensive cover on a car worth 3000. Can hardly expect the insurance company to pay out 30,000 if you happened to be driving your rich friends car!
    Also 'driving of other vehicles' would only apply to the policy holder and NOT to named drivers


  • #9
    Oasis44
    Registered Users, Registered Users 2 Posts: 129 ✭✭Oasis44


    bazq69 wrote: »
    just wondering does anyone have a definite answer to this question. i have my car insured fully comp with one named driver on the policy. if the name driver is driving and crashes the car is he insured fully comp aswel or will it only be 3rd party??? any help appreciated

    He will be covered on a comp basis also however some insurers drop the cover level back to TPFT for drivers under 25


  • #10
    Fey!
    Registered Users, Registered Users 2 Posts: 4,183 ✭✭✭Fey!


    It differs policy to policy, insurer to insurer. Check with your insurance company.

    Same applies to driving of other cars; some are 3ed party, others are fully comp, othersbecome fully comp after a number of years with the insurance company as a loyalty "gift".


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