Can I drive ex's car? Both insured

newbie2013

Me and the misses are splitting up and shell be getting a new car and I'm wondering can I drive it if insured on my own with her permission. She's been down on my insurance for last 8 years but with her now getting her own car and house, will we be able to still drive each others cars if were both insured.

colm_mcm

You may be insured to drive other cars that you don't own by your insurance. This is usually third-party cover only.

marcus2000

If your policy states that you have "Driving Other Cars", then you will be covered to drive any car that's insured, so long as you have the drivers permission!!

newbie2013

Her engine is smaller so I should be OK, will she be insured to drive mine thou if the engine is that little big bigger.

newbie2013

Can we still be named driver on each others policies even thou we split up and move to different addresses

johnayo

newbie2013 wrote: »

Her engine is smaller so I should be OK, will she be insured to drive mine thou if the engine is that little big bigger.

You should really give the company a quick call. Consequences too serious to be guessing. This crowd will only be to happy to walk away from you if you are unlucky enough to have a claim.

OldMrBrennan83

This post has been deleted.

johnayo

newbie2013 wrote: »

Can we still be named driver on each others policies even thou we split up and move to different addresses

That won't be a problem. I used to be named on my sisters policy and we lived at different addresses.

johnayo

:

Patww79 wrote: »

This post has been deleted.

:D:D

newbie2013

Patww79 wrote: »

I'm maybe missing something obvious here but nobody else is asking; why would you be driving each others cars if you're splitting up?

Breaking on good terms, have kids and will be living near each other so don't mind being named drivers on each others cars because well be using them both. One is a 7 seated and when one has kids, best with the bigger car. So there you have it ya nosey fcuker yee lol ( joke in case get warning from mods lol)

Yawns

It all comes down to what's in your policy. We can't tell you because everyone's policy is not the same. You need to read both insurance polices. If it has driving of other cars then you will be fine, but make sure of the conditions attached if any. If unsure, the best place to get the definitive answer is with your insurer.

newbie2013

Yawns wrote: »

It all comes down to what's in your policy. We can't tell you because everyone's policy is not the same. You need to read both insurance polices. If it has driving of other cars then you will be fine, but make sure of the conditions attached if any. If unsure, the best place to get the definitive answer is with your insurer.

She isn't insured yet, her bro is buying her a car in few weeks. I was just wanting to know can you drive other peoples cars if living in different addresses even if your not married etc..

jt65

newbie2013 wrote: »

She isn't insured yet, her bro is buying her a car in few weeks. I was just wanting to know can you drive other peoples cars if living in different addresses even if your not married etc..

depends on your/her policy ask your insurance co. for a definite reply

Yawns

newbie2013 wrote: »

She isn't insured yet, her bro is buying her a car in few weeks. I was just wanting to know can you drive other peoples cars if living in different addresses even if your not married etc..

You can, but it depends on the policy.

My father is driving one of my cars atm at his address. He's covered to drive it 3rd party F&T as long as it's taxed, nct'd and not in his name. I don't have an insurance policy on the car and I don't need to for him to drive it.

His own policy is Fully comp with FBD and he made sure to have the driving of other cars option when taking it out.

userod

Why are ye splitting up?

newbie2013

userod wrote: »

Why are ye splitting up?

We are both nuts!

Anybody can be a named driver on someone else's insurance has nothing to do with being related or living at the same address etc.

In your situation op it's probably best that ye both are named drivers on each other's insurance rather than relying on the driving other cars extension.

Del2005

Ray Icy Ubiquity wrote: »

Anybody can be a named driver on someone else's insurance has nothing to do with being related or living at the same address etc.

In your situation op it's probably best that ye both are named drivers on each other's insurance rather than relying on the driving other cars extension.

+1 as you'll most likely only have 3rd party extension if driving the ex's car on your policy. With you both down as named drivers on the each others policy you'll have the full level of cover, either TPF&T or Fully Comp.

oldyouth

Your driving of other cars extension often excludes driving a vehicle owned by a spouse (still a spouse until divorced). However, being a named driver sorts all that and gives you the full cover on the policy, not just 3rd party

corktina

newbie2013 wrote: »

We are both nuts!

presumably Metric and Whitworth respectively.

MrDerp

Ray Icy Ubiquity wrote: »

Anybody can be a named driver on someone else's insurance has nothing to do with being related or living at the same address etc.

In your situation op it's probably best that ye both are named drivers on each other's insurance rather than relying on the driving other cars extension.

This. The living at the same address thing only relates to classifying a named driver as a spouse. I'm not sure it even affects the rate that much, but before I was married my now wife was classified as 'spouse' as she lived under the same roof. Presumably they want to know relationship to see if you're naming your kid brother on your 330ci or something.

Just go named drivers on both cars and be done with it. You're going to want fully comp on that 7 seater when your wife is driving it, in particular. I wouldn't go for the "sure I have 3rd party anyway", and generally the cost of the named driver is zero for established drivers. In fact, in my early years driving adding the wife actually brought my premium down.

Actually, you might even consider open drive on the 7 seater. With your family spread between two homes and your lives diverging somewhat, it'll be far more likely that you need an aunt/uncle/grandparent to step in collect the kids, with one or the other of you having the smaller car. That's best done in the 7 seater - especially if you have booster seats etc.

MrDerp

MrDerp wrote: »

In fact, in my early years driving adding the wife actually brought my premium down.

Believe it or not at nearly 30 with a full ncb having my mother down as a named driver is reducing my premium by about 50 odd quid a year.

userod

ye should try and go to counselling as opposed to splitting up after that many years together. It is better to save what ye created together. There are many implications to splitting up having been together for 8 years that you might not have thought about. People are not for throwing away.

djimi

userod wrote: »

ye should try and go to counselling as opposed to splitting up after that many years together. It is better to save what ye created together. There are many implications to splitting up having been together for 8 years that you might not have thought about. People are not for throwing away.

With all due respect we dont know anything about the OPs circumstances and its not our place (in this forum anyway) to comment on their relationship.