Driver not insured driving parents fuly comp car

Gingernuts31 · 20-12-2012 5:42pm #1

Hi all, Just a quick question. I plan on driving my parents car for a few days over the christmas. I issue is I don't have my own insurance at all, I'm just a named driver on my wifes fully comp policy. My parents say it's ok to drive their car once they gave me permission to do so and they say i'll be covered under their insurance? I'm a bit weary of this as I know if I had a fully comp policy in my own name it would be no problem but with me having no insurance in my own name will I essentially be driving with no insurance on their car or are they right about me being covered on their policy if they gave me permission?

Stheno · 20-12-2012 5:44pm

I have open drive on my policy which allows anyone over 25 to drive my car and be covered.

Sounds like your parents possibly have the same.

kaimera · 20-12-2012 5:44pm

does your insurance cover named drivers driving other vehicles?

mickdw · 20-12-2012 5:45pm

Gingernuts31 wrote: »

Hi all, Just a quick question. I plan on driving my parents car for a few days over the christmas. I issue is I don't have my own insurance at all, I'm just a named driver on my wifes fully comp policy. My parents say it's ok to drive their car once they gave me permission to do so and they say i'll be covered under their insurance? I'm a bit weary of this as I know if I had a fully comp policy in my own name it would be no problem but with me having no insurance in my own name will I essentially be driving with no insurance on their car or are they right about me being covered on their policy if they gave me permission?

You will most likely not have valid cover with that arrangement.
Get yourself added as a named driver on parents car for the period or at very least ring parent insurance to check if they have some unusual policy that allows over 25s to drive. This certainly wouldn't be the norm and even if they have this cover, it may only be 3rd party.

djimi · 20-12-2012 5:47pm

Its up to your parents to check their policy/with their insurer and confirm if you are covered to drive their car. If they have open driving and you have a full license then it is more than likely fine, but they need to confirm that with their insurer. It is absolutely not something that you want to guess/take a chance on...

djimi · 20-12-2012 5:48pm

mickdw wrote: »

You are right. You will not have valid cover with that arrangement.
Get yourself added as a named driver on parents car for the period or at very least ring parent insurance to check if they have Some unusual policy

If the parents have open drive on their policy then what would be the issue? (assuming the OP meets the open drive criteria)

Eoin · 20-12-2012 5:50pm

mickdw wrote: »

You are right. You will not have valid cover with that arrangement.

Not necessarily - as Stheno said, you can get open drive policies which covers other people on your car.

mickdw · 20-12-2012 5:53pm

djimi wrote: »

If the parents have open drive on their policy then what would be the issue? (assuming the OP meets the open drive criteria)

Yes corrected my post when I thought of open drive but that would certainly need to be confirmed and queried as to whether they would be driving comp or 3rd party.
Tbh if over 25, the costs should be minimal in getting named for a week or so anyway.

Gingernuts31 · 20-12-2012 5:54pm

Thanks for replies people. Just to throw it in there I have full licence for 8 years and am 31. Only thing is everytime I bring it up they insist It's ok but I honestly think they just assume its ok without checking it for sure which leaves me open to getting done if stopped if they assumed wrong.

HeidiHeidi · 20-12-2012 5:55pm

Take the policy number off the disc and make the call yourself. Well worth it if only for the peace of mind.

Gingernuts31 · 20-12-2012 6:05pm

HeidiHeidi wrote: »

Take the policy number off the disc and make the call yourself. Well worth it if only for the peace of mind.

I like your thinking. They ask security questions though don't they to make sure ur policy holder?

HeidiHeidi · 20-12-2012 6:08pm

Gingernuts31 wrote: »

I like your thinking. They ask security questions though don't they to make sure ur policy holder?

Possibly. Although if you explain the reason for the enquiry they might just confirm what you want to know.

If that turns into a brick wall, then insist the policy holder does it!

Gingernuts31 · 20-12-2012 6:10pm

HeidiHeidi wrote: »

Possibly. Although if you explain the reason for the enquiry they might just confirm what you want to know.

If that turns into a brick wall, then insist the policy holder does it!

Yeah your right. Thanks for advice. Merry Christmas to all and a happy new year

Driver not insured driving parents fuly comp car

Comments