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Quick question regarding fully comp insureance

  • 27-08-2013 11:03pm
    #1
    altairscreed
    Registered Users, Registered Users 2 Posts: 645 ✭✭✭


    Hi (hope this isin't in the wrong forum) I was just wondering if while driving my friends car do I still have fully comp insurance? I do have fully comp (obviously) I'm over 25 and I'm covered to drive cars that are not in my name but while doing so does my cover drop down to third party or stay the same? Thanks


Comments

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


    Read your policy docs.


  • #3
    altairscreed
    Registered Users, Registered Users 2 Posts: 645 ✭✭✭altairscreed


    Alanstrainor wrote: »
    Read your policy docs.

    Not sure where I've placed them I'll probably spend the next two hours looking for them if I have to


  • #4
    Red Crow
    Closed Accounts Posts: 5,139 ✭✭✭Red Crow


    Usually it's third party. Ring to be sure and get clarity. It should state it in your policy documents.

    I'd imagine there could be a few sneaky conditions such as that the owner of the vehicle must be present at all times etc.

    I'm too young to have open driving just yet :(


  • #5
    bazz26
    Registered Users, Registered Users 2 Posts: 51,411 ✭✭✭✭bazz26


    It depends on your policy but generally the driving of other cars only extends to third party cover by default unless you have open drive on your policy and even that can have certain limitations. Again you need to consult your policy documents or insurance company.


  • #6
    altairscreed
    Registered Users, Registered Users 2 Posts: 645 ✭✭✭altairscreed


    Eli Manning wrote: »
    Usually it's third party. Ring to be sure and get clarity. It should state it in your policy documents.

    I'd imagine there could be a few sneaky conditions such as that the owner of the vehicle must be present at all times etc.

    I'm too young to have open driving just yet :(

    Thanks, yeah I suppose I'm better off ringing them to make sure I just hope I don't have to change it over as they tend to charge fairly heavily for a short amount of time.


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  • #7
    miller50841
    Closed Accounts Posts: 1,525 ✭✭✭miller50841


    As said above it should state in the policy but most would only cover 3rd party also the vehicle would usually have to have up to date owner insurance also on that vehicle.

    Trade insurance is great havent had to worry about this for years.


  • #8
    Alanstrainor
    Registered Users, Registered Users 2 Posts: 23,157 ✭✭✭✭Alanstrainor


    Just be wary about just ringing. You could end up talking to some complete plonker on the other end of the phone who tells you something wrong. I've talked to many in Axa over the previous week, so be warned. I wouldn't believe it unless I had it in writing.


  • #9
    Del2005
    Registered Users, Registered Users 2 Posts: 19,123 ✭✭✭✭Del2005


    miller50841 wrote: »
    As said above it should state in the policy but most would only cover 3rd party also the vehicle would usually have to have up to date owner insurance also on that vehicle.

    It totally depends on the policy whether the other car needs to be insured or not. None of mine have mentioned the other car being insured


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