Insurance Cover Question

Veloce

I sold my car this afternoon. As it was late in the afternoon the insurance call centre was closed so they have not been notified yet that I no longer have the car.

I have a full comprehensive policy on the car with third party cover on driving other cars with the owner's permission.

I need to drive a friends car tomorrow. Am I still covered third party to drive other peoples car (with their permission) under my policy?

oldyouth

I would say yes because (reasonable) time has not passed since you sold the car. However, given that the subject matter of the policy (your old car) is no longer in your ownership, you cannot let that situation continue long term. It is a material alteration in the circumstance on which the policy was written. If you don't intend to get a new vehicle shortly, suspend or cancel your existing cover.

corktina

i'd say your policy is void once you no longer own the car.

cabb8ge

You have no interest in car you sold, so insurance no longer alive.

oldyouth

A policy is live until it is physically cancelled by either party. The OP has a duty to inform his insurers as soon as possible of the material change but cannot do that until they open again for business.

corktina

it may well be live, but would they pay out in the event of a claim (other than minimum third party liability) ? I very much doubt it

guil

corktina wrote: »

it may well be live, but would they pay out in the event of a claim (other than minimum third party liability) ? I very much doubt it

Driving other cars extension only provides third party cover so there's no difference.

djimi

corktina wrote: »

it may well be live, but would they pay out in the event of a claim (other than minimum third party liability) ? I very much doubt it

They might not pay out for a claim to the car you owned, but I see no reason why third party extension would become invalid?

OP the only people who can answer this for sure is the insurer. If in doubt then don't drive, itsa serious offence to drive uninsured so no sense in taking a chance.

corktina

djimi wrote: »

They might not pay out for a claim to the car you owned, but I see no reason why third party extension would become invalid?

OP the only people who can answer this for sure is the insurer. If in doubt then don't drive, itsa serious offence to drive uninsured so no sense in taking a chance.

that's exactly what I mean. You won't know until you ask.

CiniO

corktina wrote: »

that's exactly what I mean. You won't know until you ask.

And even if he asks he still won't know.
Something that someone says in insurance call-centre is worthless. They can say anything.

Just check the policy document.

Can you not transfer the insurance to the other car online? You can usually do this on a temporary basis free of charge.

djimi

CiniO wrote: »

And even if he asks he still won't know.
Something that someone says in insurance call-centre is worthless. They can say anything.

Just check the policy document.

Its not worthless if they record the calls (which I think they all do). They might not give correct information, but if you can prove that you were misled then its their problem.

CiniO

djimi wrote: »

Its not worthless if they record the calls (which I think they all do). They might not give correct information, but if you can prove that you were misled then its their problem.

It's them recording calls - not you.
Therefore in case of doubt - yes - they can prove something you said if it suits them, but you won't be able to prove anything, as surely anything that would confirm your version can always unexpectedly disappear from their phone log.

If you want to record the call, then sure you can, but you must inform them you are recording.
Once you do it, they will hang up (that's their policy).

So no - I don't agree.
If you are told something by you insurer over the phone, it means absolutely nothing - they can tell you anything taking zero responsibility for it.

billie1b

CiniO wrote: »

It's them recording calls - not you.
Therefore in case of doubt - yes - they can prove something you said if it suits them, but you won't be able to prove anything, as surely anything that would confirm your version can always unexpectedly disappear from their phone log.

If you want to record the call, then sure you can, but you must inform them you are recording.
Once you do it, they will hang up (that's their policy).

So no - I don't agree.
If you are told something by you insurer over the phone, it means absolutely nothing - they can tell you anything taking zero responsibility for it.

Negative, once one of the parties involved in the recording knows about it, it will stand in court.
You and I could converse about something illegal on the phone, your the innocent party, im the guilty one, your recording me, I dont know but you did because you are recording it, that makes it fine. Its only if the call is intercepted by a third party without notification that it will be deemed legal

djimi

billie1b wrote: »

Negative, once one of the parties involved in the recording knows about it, it will stand in court.
You and I could converse about something illegal on the phone, your the innocent party, im the guilty one, your recording me, I dont know but you did because you are recording it, that makes it fine. Its only if the call is intercepted by a third party without notification that it will be deemed legal

If you wish to use a recording against me then I must be made aware of it in advance. If you record me without my knowledge then it will not stand up legally.

djimi

CiniO wrote: »

It's them recording calls - not you.
Therefore in case of doubt - yes - they can prove something you said if it suits them, but you won't be able to prove anything, as surely anything that would confirm your version can always unexpectedly disappear from their phone log.

If you want to record the call, then sure you can, but you must inform them you are recording.
Once you do it, they will hang up (that's their policy).

So no - I don't agree.
If you are told something by you insurer over the phone, it means absolutely nothing - they can tell you anything taking zero responsibility for it.

Ive requested recordings from companies in the past when it has come to disputes and its never been an issue. Im sure there are some companies who will destroy the evidence, but not all of them will.

billie1b

djimi wrote: »

If you wish to use a recording against me then I must be made aware of it in advance. If you record me without my knowledge then it will not stand up legally.

Negative

djimi

Its not illegal to record the conversation, but if the person is not aware that it is being recorded then the recording will not be permitted to be used as evidence against them.

djimi

http://www.dataprotection.ie/docs/Contacting-Customers/1248.htm#6

12.6 What are the data protection requirements for organisations recording telephone calls?


Under data protection legislation it is accepted that there can be a legitimate business interest basis for the recording of calls in business critical areas in certain sectors, subject to the provision that callers should be clearly informed, whether it is incoming or outgoing calls, that recording is taking place and that the caller can either choose to continue with the call or to terminate it. Section 2A(1)(a) allows the processing of personal data where the data subject has given his/her consent.

As the Data Protection Acts state that a person's information should only be collected for specific purposes of which they should be pre-advised, the purpose(s) for which the calls are being recorded should be pointed out to callers before any personal data is collected. For inbound calls, your organisation may wish to consider having a pre-recorded message. Any pre-recorded message should reflect the exact purposes for recording the call, i.e. training purposes, dispute resolution purposes etc. The purpose(s) for which the calls are being recorded should be pointed out to callers before any personal data is collected. If the purpose is not obvious, each purpose must be outlined.

For outbound calls it is more difficult to find a justification for recording these calls. The data controller has to be able to demonstrate that a data subject, upon first contact, will be supplied with the required information as outlined above.

An individual has a right to get a copy of any such recording made of her/his call. The copy could be provided in audio or transcript format.

billie1b

djimi wrote: »

Its not illegal to record the conversation, but if the person is not aware that it is being recorded then the recording will not be permitted to be used as evidence against them.

Yes it will, you have to inform them before submitting it and give them a copy of it before the court date, once you do that it is deemed as legal