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car insurance question??

  • 18-12-2011 3:58pm
    #1
    bazq69
    Closed Accounts Posts: 5 ✭


    just looking for a definite answer to this question. i have my car insured fully comp and with a name driver on the policy. if the name driver crashes will he be covered fully comp or only 3rd party?? any help appreciated


Comments

  • #2
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Named driver gets the same cover as you unless there is a stipulation in the policy to reflect specific circumstances. In other words, SOME insurers reduce cover to TP Fire & Theft if the named driver is under 25 or a provisional licence holder.


  • #3
    bazq69
    Closed Accounts Posts: 5 ✭bazq69


    cant make it out from d insurance cert but he is well over 25 nd full licence so hopefully it will be fully comp. id say d only way to get a definate answer is to ring d insurance company


  • #4
    Alanstrainor
    Registered Users, Registered Users 2 Posts: 23,157 ✭✭✭✭Alanstrainor


    bazq69 wrote: »
    cant make it out from d insurance cert but he is well over 25 nd full licence so hopefully it will be fully comp. id say d only way to get a definate answer is to ring d insurance company

    That is the only way. Taking someones word for it on here is just ridiculous.


  • #5
    Austin1
    Registered Users, Registered Users 2 Posts: 190 ✭✭Austin1


    OP, if you can dig out your insurance schedule you will find the info there. This is normally a one page sheet that is issued with your cert and disc. It contains a list of clauses such as "driving of other cars included" etc. If cover is restricted for your named driver, you'll find a clause stating something like: "cover is restricted to Third Party Fire & Theft for (e.g.) John Smith". If that clause doesn't appear then they have Comprehensive.


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