Insured to drive other peoples cars? Under 25!

poker--addict

It seems Quinn allow people to drive cars belonging to other people.

Other insurance companies appear to offer this once over 25.

Question is are quinn/liberty the only group offering this to all policy holders?

I am 22.

DamoNolan

Aviva do aswell.

Austin1

So do Zurich.

Alanstrainor

Most do for an additional charge.

weekaizer

im 23, with lloyds and i asked my broker to check with them if they would they cover me to drive other cars and they agreed!

ger10

This is something that I was also wondering. Does anyone know what the case is for FBD?

johnos1984

You generally have third party extension cover for other vehicles.

If you do (you should ring your insurer and ask) it is only for emergencies and obviously will not cover the costs of any damage to the car you are driving

RobinJ

In regard to FBD it's free if you're over 25 normally. I rang them the other day as I was curious, I had seen it listed as a benefit on their site but it was't mentioned on my policy documents. It seems that as I'm with them so long it never got added, so they then added it.

Not to be confused with open driving of your car, which is also common on FBD policies, which allows anyone over 25 and under 65 to drive your car fully insured. This you have to pay for!

Leonard Hofstadter

johnos1984 wrote: »

You generally have third party extension cover for other vehicles.

If you do (you should ring your insurer and ask) it is only for emergencies and obviously will not cover the costs of any damage to the car you are driving

Correct, with Aviva you can drive other cars if you're fully comp, but you only have TP cover.

bassey

Yeah I've been with Quinn since I was 18 on my first policy and I've always had third party extension

ninty9er

AFAIK Axa is the only company that doesn't include it as standard (nor entertain the idea of its customers younger than 25 driving other people's cars) on its policies.

UnknownSpecies

Yup with Axa they won't allow it at all. With Aviva now fully comp and I'm able to drive other cars.

coylemj

ninty9er wrote: »

AFAIK Axa is the only company that doesn't include it as standard (nor entertain the idea of its customers younger than 25 driving other people's cars) on its policies.

dorgasm wrote: »

Yup with Axa they won't allow it at all. With Aviva now fully comp and I'm able to drive other cars.

Wrong and wrong. Axa gave me cover to drive other cars as soon as I passed my test without me asking for the facility and a few years ago they extended this to fully comp. cover when I'm driving other cars. The only limitation (on being covered for accidental damage) is that the other car must be below 2,000 c.c. and the cover maxes out at 50K. Obviously I'm still covered for TP even if the car is >2,000 c.c.

UnknownSpecies

Sorry, you're possibly right. I forgot I was only a named driver on my Axa policy but it's my own Aviva policy.

cup of tea

Most companies don't allow D.O.C to young drivers. I know aviva value policy does, although it's a **** policy with high excess. Axa,Zurich,Setanta,Travellers,XS direct,Asgard don't offer it afaik.

CoDy1

coylemj wrote: »

Wrong and wrong. Axa gave me cover to drive other cars as soon as I passed my test without me asking for the facility and a few years ago they extended this to fully comp. cover when I'm driving other cars. The only limitation (on being covered for accidental damage) is that the other car must be below 2,000 c.c. and the cover maxes out at 50K. Obviously I'm still covered for TP even if the car is >2,000 c.c.

Axa do not offer the extension to drive other cars for any driver under 25.
This came into effect about a year ago.

coylemj

CoDy1 wrote: »

Axa do not offer the extension to drive other cars for any driver under 25.
This came into effect about a year ago.

I was replying to this poster....

ninty9er wrote: »

AFAIK Axa is the only company that doesn't include it as standard (nor entertain the idea of its customers younger than 25 driving other people's cars) on its policies.

I took his use of the word 'nor' to assume that he was commenting on the situation for drivers under and over 25.

ArphaRima

Most policies allow this. But be careful.
Any policy I have had restricted this right to a full licence holder over the age of 25, 3rd party only and the car you are driving must be otherwise insured.

ie Prov Licence drivers can forget about it, same for 24yr olds and any car that is not insured under another driver. Even after all of that; crash that Ferrari and it's all on you!

ajarms86

Hey Folks, sorry If Im reviving a Zombie thread, but just thought this question was related,

I just got fully comp insurence for my CAR and in the policy it says I can allow other insured people drive my car and like wise I can dive other peoples cars on a third party bases.

No in addition I have added my partner as a named driver - so she is insured fully comp to drive my car.

now seperately my partner has her own car but she is not insured on it, so technically my partner is insured and I'm fully comp insured with open drive - can I technically drive her car if I have her permission and I have third party?

just to add - as far as a friend who used to work in insurence say's technically the my partners car wouldnt be insured but I would have third party insurence whilst driving it, meaning I'm covered from a legel stand point - would love to here a few thoughts/advise from here?

Kopparberg Strawberry and Lime

No. One of the conditions is the car be driven must be taxed and insured on its on policy and nctd where appropriate. Also it cant be owned by you

Plus named drivers dont get this feature.

Also, FBD have it has an exclusion on my policy

V.W.L 11

I'm with AXA,and I can drive others cars fully comprehensive for no extra charge:D i'm over 25 though

Mycroft H

It's on my Liberty Policy. Enquired about it on the phone as the policy wording wasn't exactly clear (are they ever?) and he said it just has to be roadworthy (ie. NCT and Taxed) and have the owners permission.

I now use it occasionally, very handy. Wouldn't buy a policy without it.

Kopparberg Strawberry and Lime

Mycroft H wrote: »

It's on my Liberty Policy. Enquired about it on the phone as the policy wording wasn't exactly clear (are they ever?) and he said it just has to be roadworthy (ie. NCT and Taxed) and have the owners permission.

I now use it occasionally, very handy. Wouldn't buy a policy without it.

Roadworthy also means having Valid insurance disc relating to that vehicle displayed also. in this case you wont have if its not insured.

i gaurentee if you have an accident in that vehicle that they will not pay out a cent because the vehicle is not roadworthy.

Mycroft H

No, I specifically asked that question. He said it just needed to have an NCT and Tax.

Kopparberg Strawberry and Lime

Mycroft H wrote: »

No, I specifically asked that question. He said it just needed to have an NCT and Tax.

He could be wrong you know,

by law for a vehicle to be roadworthy it has to have the following

Valid Motor Tax relating to that vehicle, in date etc.
Valid insurance, Relating to that vehicle, display the dates and policy number with a green strip down the side of the disc.
and NCT/CVRT Where applicable (if due)

as well as all your other tyres etc.

salmocab

No way are an insurance company going to effectively insure 2 cars for the price of one, you won't be the first person who thought of this and certainly the insurance company have. You can't hope for this to not end badly, if the car is pulled over without a valid insurance disc and your GF says she's insured thru her BFs policy on his car there will be a court appearance in her near future.

Mycroft H

I'll drop liberty an email so. Unless your man on the phone was lying for which I see no reason for anyway. The question was explicitly asking whether there was a need for insurance on the other vehicle.

Kopparberg Strawberry and Lime

Mycroft H wrote: »

I'll drop liberty an email so. Unless your man on the phone was lying which I see no reason for anyway.

Not saying he was lying at all. Just couldve being an honest mistake.

And it would be unfortunate if there was an accident that wasnt your fault and then all hell breaks loose. (Touch wood for no accidents !)

I just know they are the legal things that make a vehicle roadworthy.

The way you want to ask them is "When i am driving another car under my policy, does that car need its own insurance/cert ?"

Then also just watch the other things like its not a hire/lease car regardless of who is leasing it. And value and engine size

Mycroft H

Surely the Third Party extension covers you for the legal minimum? That's really all that's needed. Vehicle is then NCT/Taxed and Insured.

I'll check it out sure.

corktina

Axa used to give me cover for over 25s to drive my car, they don't anymore , although my Wife still has it in hers. I'm not sorry, good excuse not to lend my car out.

The catch with driving other cars is that usually it is just basic third party cover and you'd have to be fairly sure that you could pay for any damage you caused to someone elses car or in the case of people driving your car, that you could rely on them paying up for damage to yours.

ajarms86

I'm with MyCroft H on this, the legel minimum is that your are covered on a third party bases - just read that from citezen information site, so even if you dont have the disk displayed you still have the "minimum cover required by law" mycroft, woud love to hear how you get on with the insurence company, I'm waiting for my policu to arrive so I can give I read al the fine print . . .

Kopparberg Strawberry and Lime

ajarms86 wrote: »

I'm with MyCroft H on this, the legel minimum is that your are covered on a third party bases - just read that from citezen information site, so even if you dont have the disk displayed you still have the "minimum cover required by law" mycroft, woud love to hear how you get on with the insurence company, I'm waiting for my policu to arrive so I can give I read al the fine print . . .

The policy will give the basic TP only providing the other car is roadworthy and the legal stnding on that is taxed and insured with its own valid certs and discs.

With insurance a car is not roadworthy. It needs to display its own valid disc and have a cert

The TP extension is not the problem. Just the car you wish to drive

Mycroft H

This all depends on what Liberty/<Other Insurance Co> define as roadworthy. No point splitting hairs over it until they confirm otherwise.

wingnut

I asked Zurich the same question and they told me once the car had tax and nct I was covered even if the insurance was out on the car.

Mycroft H

Other people seem to have gotten the same info I got off liberty for what it's worth. Just the NCT plus Tax.

http://www.toyotaownersclub-irl.com/t43199-third-party-extension-information-help-squire-p

Which makes sense as you would then be covered for the legal minimum to be on the road. Whether someone else has Insurance on it (as the primary vehicle) is irrelevant as they would not be driving it at the time.

biko

Please don't drag up old threads unless you are actually updating old info in them.
Start a fresh thread unless you now have your answer.