Intresting Insurance Question

dingus12

I have a fully comp insurance policy on a 2002 passat with Liberty,

and I'm 21 and have a full Irish drivers licence, if it makes any difference,

while reading through my policy I see there is a line that says

"The policy holder if they have a full EU licence, may also drive, with the permission of the owner, any Private Motor Car that they do not own and have not hired or leased subject to the terms and conditions of the policy".

As far as I know the terms and conditions are that, the other persons car must be NCT'd and taxed,

The question is, Am I allowed to drive another persons car even if the owner doesn't have an insurance policy themselves on the car, and that it is NCT'd and taxed

Thank for any info.

myshirt

Drive away.

Though note this, just because something is not explicitly set out within the wording of your policy, does not mean it it doesn't form part of the policy.

The need for NCT, tax and insurance on your friends car is implied into the contract - by statute and precedent. Nevertheless, failure to have them would not serve to defeat a claim. But your premium would ramp up more than it should after a claim.

You can drive it, but as soon as you step outside the car it is not insured, and if it is in a public place without tax and nct at anytime, it's fines on the way.

myshirt

I thought also that open driving was only available to over 25's ?

Are there insurance companies doing this now?

keithclancy

myshirt wrote: »

I thought also that open driving was only available to over 25's ?

Are there insurance companies doing this now?

Nah, they were doing it years ago.

guil

Sweet Jesus not the open drive/ 3rd party extension crap again.

Most policies have the 3rd party extension but if the car is robbed or goes on fire while your using it there is no cover. It only covers a 3rd party in an accident. Open drive is another thing altogether.

myshirt

Drive away.

Though note this, just because something is not explicitly set out within the wording of your policy, does not mean it it doesn't form part of the policy.

The need for NCT, tax and insurance on your friends car is implied into the contract - by statute and precedent. Nevertheless, failure to have them would not serve to defeat a claim. But your premium would ramp up more than it should after a claim.

You can drive it, but as soon as you step outside the car it is not insured, and if it is in a public place without tax and nct at anytime, it's fines on the way.

corktina

forget the "step outside the car" bit. It's covered whilst you are using it even if parked, however the cover is just the legal bare minimum and you are taking a lot of the risk on yourself.

Scortho

I used this to drive a 3.0 l merc when I was 19 and insured on a polo. A good few of my friends used it to get insurance on civics which were hard to get insurance on at 18 ( still are). One lad had a 180sx registered in the mothers name while he had a 206 in his.
It was a great loophole but a good few insurance companies have cracked down on it and no longer offer it.

Odyssey 2005

I asked my ins co. this very question (aviva). They told me the car Does Not have to be insured But it Does have to be taxed and NCT'd,third party only insurance only.

djimi

dingus12 wrote: »

The question is, Am I allowed to drive another persons car even if the owner doesn't have an insurance policy themselves on the car, and that it is NCT'd and taxed

Your insurer is the only person who can answer that question for you. Chances are the answer is almost certainly yes, but given that there is no such thing as a standard policy you need to clarify with them first.

myshirt wrote: »

I thought also that open driving was only available to over 25's ?

Are there insurance companies doing this now?

What the OP is describing is not open driving.

dingus12

Thanks for the replies. I just wanted to know from the legal side of things, that I can drive an uninsured car so long as it meets the T&C's, I know the risks and I know it's the most basic level of insurance.

Another question I have is. Can I drive an Irish registered car in Northern Ireland with the same circumstances? And if I park the car. Would the police see it as an uninsured vehicle and lift it? I know they would lift a northern reg'd car if it had no valid policy on it. But since the car is southern reg'd and there is a valid policy on me and not on the car. Would I be legal to drive it?

djimi

Again you need to contact your insurer to clarify if the third party extension applies outside of the 26 counties.