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Query re car insurance

  • 09-06-2014 7:35pm
    #1
    skippyman
    Registered Users, Registered Users 2 Posts: 63 ✭✭


    It's states on my car insurance that I can drive other cars that does not belong to me... Does that mean I can drive other cars that does not have insurance at all on them.....


Comments

  • #2
    Fey!
    Registered Users, Registered Users 2 Posts: 4,183 ✭✭✭Fey!


    Usually there has to be a current policy on the car that you wish to drive, and that car cannot be owned by you. It may vary slightly from company to company.

    This has been covered in the Motors forum a few times.

    http://www.boards.ie/vbulletin/showthread.php?p=90474345
    http://www.boards.ie/vbulletin/showthread.php?p=90671444


  • #3
    skippyman
    Registered Users, Registered Users 2 Posts: 63 ✭✭skippyman


    Fey! wrote: »
    Usually there has to be a current policy on the car that you wish to drive, and that car cannot be owned by you. It may vary slightly from company to company.

    This has been covered in the Motors forum a few times.

    http://www.boards.ie/vbulletin/showthread.php?p=90474345
    http://www.boards.ie/vbulletin/showthread.php?p=90671444

    thanks for that..very complicated it is...


  • #4
    coylemj
    Registered Users, Registered Users 2 Posts: 25,620 ✭✭✭✭coylemj


    Fey! wrote: »
    Usually there has to be a current policy on the car that you wish to drive, and that car cannot be owned by you. It may vary slightly from company to company.

    No Irish insurance company imposes the restriction that the car has to have it's own policy in order to be covered when you drive it under the 'driving other cars' clause of your own policy.

    As long as you don't own it, have the owner's permission and you have a 'driving other cars' clause in your policy, you are covered to drive it.

    It gets repeated here time and time again, that doesn't make it true.


  • #5
    dudara
    Registered Users, Registered Users 2 Posts: 33,518 ✭✭✭✭dudara


    Not a Consumer Issue, moved to Banking & Insurance & Pensions

    dudara


  • #6
    ravima
    Registered Users, Registered Users 2 Posts: 848 ✭✭✭ravima


    Coylemj is correct.

    however, make sure you read your policy as some insurers EXCLUDE cars owned by partners/spouses!

    Also, remember you only have THIRD PARTY cover whilst driving the other car, irrespective of the cover on your own car.


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  • #7
    coylemj
    Registered Users, Registered Users 2 Posts: 25,620 ✭✭✭✭coylemj


    ravima wrote: »
    Coylemj is correct.

    Thank you for your affirmation.
    ravima wrote: »
    however, make sure you read your policy as some insurers EXCLUDE cars owned by partners/spouses!

    To add to this point, I spotted a clause in my Axa policy a while back which said that I was not covered driving a car which was owned by or under a lease to my employer. At work we were told that only company car drivers were covered to drive company cars i.e. simply being an employee of the company didn't get us cover so only people who already had a company car would be covered on the policy if they borrowed another company car.

    Given this restriction and the restriction in my own Axa policy, this meant that I could not borrow a company car from a colleague since neither my employer's policy nor my own policy would cover me.
    ravima wrote: »
    Also, remember you only have THIRD PARTY cover whilst driving the other car, irrespective of the cover on your own car.

    Some companies do give you fully comp on driving other cars. In my case, Axa gives me fully comp cover when driving other cars as a bonus for having a good record and they also use it to hold on to my business as I believe nobody gets this by asking for it, it's a discretionary bonus. The cover used to be limited to cars under two litres, it's now limited by the value of the car so they're telling me these days that the cover is limited to 50K.


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