Car Insurance - Driving Other People's Cars

iamyourending

So I've just changed my car and I'm looking at insurance. I'm 19 and I've had my full licence for a year but my insurance is as a named driver. Seems as I've upgraded my car, I'm looking to take out my own insurance and I'm wondering if I'll be able to drive other people's cars.

Liberty is offering the cheapest comprehensive insurance for me but I can't seem to find any information on their site about whether or not I'm covered to drive other people's cars under that policy. Maybe I'm not seems as I'm only 19? The car I'm inuring is a 2011 Golf.

Anyone know anything about this?

Scortho

iamyourending wrote: »

So I've just changed my car and I'm looking at insurance. I'm 19 and I've had my full licence for a year but my insurance is as a named driver. Seems as I've upgraded my car, I'm looking to take out my own insurance and I'm wondering if I'll be able to drive other people's cars.

Liberty is offering the cheapest comprehensive insurance for me but I can't seem to find any information on their site about whether or not I'm covered to drive other people's cars under that policy. Maybe I'm not seems as I'm only 19? The car I'm inuring is a 2011 Golf.

Anyone know anything about this?

I'm with liberty and it does give me third party extension. Best way to find out is to ask them?

Peanut2011

That will be listed in your insurance policy!

Avns1s

You really need to contact your insurer and confirm if it is / can be included.

Gran Hermano

Policies differ between companies and between people.
Ask for clarification in writing from your broker/insurance company.
You won't get far telling Garda/judge you thought you were insured because you read it on the internet.

iamyourending

Do you mind me asking you your age? Me being a 19 year old male shouldn't make a difference? I'll ring them on Monday but I've been thinking about it all evening and they're closed since 4 :P

Supergurrier

Thought the general rule of thumb was 25 years old with full license you are covered 3rd party only when driving other peoples cars (with consent obviously)

Some insurers go to both sides of the spectrum obviously

iamyourending

Sorry all the replies came through together! So basically it might be available to be included as an add-on that I'd pay extra for?

HeidiHeidi

I've just done the annual ring-around/web-around search for insurance, and literally every policy I got quoted for was different, so I don't think anyone is going to be able to definitively advise you on this.

Ring them Monday.

But at 19, I'd have my doubts.

Scortho

iamyourending wrote: »

Do you mind me asking you your age? Me being a 19 year old male shouldn't make a difference? I'll ring them on Monday but I've been thinking about it all evening and they're closed since 4 :P

Ive had my third party extension since I was 19 and I'm 22 now.
As I said earlier the best thing to do is ask them.
The worst that they will say is no, however liberty are one of the last to offer it and I don't know if they offer it with new customers anymore.

iamyourending

God I know the feeling of the web-around searches and call backs! To be honest, it didn't even dawn on me that I could be applicable for it until my friend (21, male, also with Liberty) is covered to drive other people's cars. It's no major deal for me, but I was just curious. I'll give 'em a buzz on Monday and check!

Cheers for the replies everyone!

PeteK*

I know when Liberty was Quinn, they allowed you to drive other cars, even on provisional licences at the time, which was strange.. most wouldn't unless you had a full licence and were aged 25+.

You can talk to Liberty Insurance on Boards.ie :: http://www.boards.ie/ttforum/1551

ironclaw

Liberty do offer 'third party extension' on their policies. In fact, I believe they are the only insurer in Ireland that offer it to under 25s. AXA used but not longer do. Always ring and check however, its not obvious on the policy document on first read.

Just so you know, its Third Party cover i.e. If you are in a friends car (Or any car for that matter) and you crash, it covers who and what you hit. It doesn't cover the car you are in or yourself. Its really only for getting a car from A to B on the once off time you need to, not a permanent solution if you will be driving another car often (Thats not a problem, provided of course you are able to or are willing to claim on the insurance of the car you were driving at the time. You may be covered but that greatly varies based on the policy. Generally speaking, its an 'over 25s' affair)

See here: http://www.boards.ie/vbulletin/showthread.php?t=2057026952

oldyouth

iamyourending wrote: »

Do you mind me asking you your age? Me being a 19 year old male shouldn't make a difference? I'll ring them on Monday but I've been thinking about it all evening and they're closed since 4 :P

Of course it does. The extension allows you drive any car under your custody or control, whereas they have assessed your premium on the vehicle you own. Insurers reluctantly hand out that facility to young people

jimgoose

I have comprehensive on other people's cars, which I'm told is a rare facility to have these days. This 2.5 litre limit on it is annoying me, but - I'm going to have a chat with t'broker during the week to see if anything can be done about it. A few of my mates have yokes over 2.5l, AJD-V6 Landys and such, and it would be fierce handy.

ironclaw

jimgoose wrote: »

I have comprehensive on other people's cars, which I'm told is a rare facility to have these days.

Extremely rare alright. Who is your underwriter?

djimi

jimgoose wrote: »

I have comprehensive on other people's cars, which I'm told is a rare facility to have these days. This 2.5 litre limit on it is annoying me, but - I'm going to have a chat with t'broker during the week to see if anything can be done about it. A few of my mates have yokes over 2.5l, AJD-V6 Landys and such, and it would be fierce handy.

Id count myself lucky that you have fully comp extension at all tbh; thats extremely rare! Does it extend to third party extension for anything over 2.5l?

jimgoose

ironclaw wrote: »

Extremely rare alright. Who is your underwriter?

Flips between Zurich and RSA the last few years.

djimi wrote: »

Id count myself lucky that you have fully comp extension at all tbh; thats extremely rare! Does it extend to third party extension for anything over 2.5l?

Hmm. I dunno - I'll have a word with them.

ninty9er

I know Aviva didn't do it for under 25s up to 3 years ago when I was last insured with them. Axa was the only insurer I could find that would. It hasn't been an issue since I hit 25 though.

Egan2012

iamyourending wrote: »

So I've just changed my car and I'm looking at insurance. I'm 19 and I've had my full licence for a year but my insurance is as a named driver. Seems as I've upgraded my car, I'm looking to take out my own insurance and I'm wondering if I'll be able to drive other people's cars.

Liberty is offering the cheapest comprehensive insurance for me but I can't seem to find any information on their site about whether or not I'm covered to drive other people's cars under that policy. Maybe I'm not seems as I'm only 19? The car I'm inuring is a 2011 Golf.

Anyone know anything about this?

I know I was with Axa as a provisinal licence driver and I was covered with open insurance for no additional cost because I wasn't ment to be driving unsupervised so I would have been driving other peoples cars. When I went onto the full licence I had to pay extra for the open driving.

Corkladddd!!

I'm with Aviva and have the driving of other cars extension. 24yo male. I also had it with Quinn/Liberty from first insurance at 19.

jimgoose

jimgoose wrote: »

...Hmm. I dunno - I'll have a word with them.

Now. I'm told that the cover extends to anything up to the same capacity as what you're driving, or near-enough. There is no reversion to "lesser" cover over any certain size. This means, in my case, that a 2.7l Landy is OK, but something like an 8l 1967 Oldsmobile would raise questions in parliament, violating as the insurer sees it the "emergency" nature of the facility.

keithclancy

Irish Insurance:

alexlyons

Been with Aviva since late 2011 and have 3rd party on other cars since the start. Joined aged 21 with first policy in my own name.

iamyourending

Turns out Aviva would give me 3rd party on other cars provided I sat an hour-long driving assessment with them and they said I'd probably have a fit a limiter on my OWN car, which I thought was a bit of a strange requirement considering the query I had was about driving other people's cars (they wouldn't fit the limiter if I didn't want the 3rd party cover on other cars).

Anyway, Liberty gave me 3rd party cover and said my age didn't make a difference provided I held a full, clean driving licence for at least a year, so all is good. And as it turned out, Liberty's fully comprehensive quote was still about €250 cheaper than the next cheapest quote, which didn't have 3rd party cover.

toyotaavensis

Four years ago I was insured with quinn at 19 and had it
Three years ago I was insured with hibernian and had it
Two years ago I was insured with asguard and had it
A year ago I was insured with liberty and had it
This year I am insured with liberty and have it.

MugMugs

iamyourending wrote: »

Anyway, Liberty gave me 3rd party cover and said my age didn't make a difference provided I held a full, clean driving licence for at least a year, so all is good. And as it turned out, Liberty's fully comprehensive quote was still about €250 cheaper than the next cheapest quote, which didn't have 3rd party cover.

Did they tell you that they ammended their policy from QUINN and request that the other vehicle has it's own Insurance also ?

toyotaavensis

I dont think thats the case

However I can confirm your Third Party Extension does permit you to drive other privately owned vehicles as per the below Terms and Conditions.

If your certificate of insurance says so, we will also cover you, the policyholder, for your liability to other people while you are driving any other private motor car which you do not own or have not hired or leased, as long as:

1. the vehicle is not owned by your employer or hired to them under a hire-purchase or lease agreement;
2. you currently hold a full European Union (EU) licence;
3. the use of the vehicle is covered in the certificate of insurance;
4. cover is not provided by any other insurance;
5. you have the owner’s permission to drive the vehicle;
6. the vehicle is in a roadworthy condition; and
7. you still have the insured vehicle and it has not been damaged beyond cost-effective repair.

This extension applies while being driven within the territorial limits and only to private passenger vehicles. It does not include:
• vans;
• car-vans;
• jeep-type vehicles with no seats in the
back; or
• vans adapted to carry passengers.

The territorial limits is defined as the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands, or while the vehicle is being transported by sea, air or rail (including loading or unloading) between these places.

MugMugs

I can assure you that it is.

Ask them if you're under any doubt

toyotaavensis

I asked them about a month ago by email what are the conditions necessary to use the third party extension as I was planning to drive a car without insurance or MOT from the north to here.
They emailed me what i pasted there.

corktina

In the North and the UK, you have to have the car itself insured. If they caught you without they would seize the car (as they would also for no MoT), third-party extensions are next to useless now to bring in a car from the UK/NI.

toyotaavensis

The car I was looking at was just over the border and would have been back in the ROI a few mins after the journey started and if I hit someone they would have been looked after so I was happy to take the chance.

Anyways we have gone off the point of the OP's post a little here methinks.

MugMugs

corktina wrote: »

In the North and the UK, you have to have the car itself insured. If they caught you without they would seize the car (as they would also for no MoT), third-party extensions are next to useless now to bring in a car from the UK/NI.

You're actually right.

I stand erected corrected

corktina

no problem if you hit someone, your insurance will cover it, but the thing is if the Police see you without the car on the database they will seize it and you'll be walking. (talking in general, I appreciate your comment about being near the border)

Continuous Insurance means you either have the CAR insured or have it SORNd. I didn't appreciate what the changes meant until recently, people will get caught out by it!