Insurance and driving other person car

cena

I was told today that if your insurance covers you to drive someone elses,and you drive that persons car up to belfast etc, you are no longer covered or insured on the other persons car?

Is this true??

shietpilot

Not true unless it says it in your policy. It would be a good idea to let your insurance company know before you do it though.

Marcusm

Depends on the territorial limitations of the 3rd party extension - read your policy documents!

mickdw

shietpilot wrote: »

Not true unless it says it in your policy. It would be a good idea to let your insurance company know before you do it though.

Certainly some additional benefits generally don't apply outside the state so while you may have comprehensive cover for the other car when driving in ireland, you may only have third party outside the state.
Check with insurance company as otherwise it's all guesswork

cena

It was axa that told me this today. Your only covered to republic of ireland. Total crap if you ask me.
The sooner Ireland gets back the rest of the north the better. The exchange rate is a killer when going up for a fewhours

Stheno

cena wrote: »

It was axa that told me this today. Your only covered to republic of ireland. Total crap if you ask me.
The sooner Ireland gets back the rest of the north the better. The exchange rate is a killer when going up for a fewhours

Well if they are whom you have your policy with, you won't be covered driving third party

Charles Babbage

cena wrote: »

It was axa that told me this today. Your only covered to republic of ireland. Total crap if you ask me.
The sooner Ireland gets back the rest of the north the better. The exchange rate is a killer when going up for a fewhours

This type of bull**** saves the insurance company nothing and very often the policies with bull**** are not materially cheaper than proper ones. The regulator should prohibit any small print as it relates to this island.

Allianz state the other driver thing is applicable in Ireland and the united Kingdom.

cena

I must read last years policy. It would put people off going with axa with that kind of policy

cena

this is what is on the axa site. You have cover to drive in the European Union and European Unionapproved countries That for both full comp and third party. Nothing about none driving in the uk and not been covered

Stheno

cena wrote: »

this is what is on the axa site. You have cover to drive in the European Union and European Unionapproved countries That for both full comp and third party. Nothing about none driving in the uk and not been covered

Is that in relation to your policy on your car or driving other cars extension?

cena

Stheno wrote: »

Is that in relation to your policy on your car or driving other cars extension?

It goes for both. what I can make out


1b Driving other cars
This cover will also apply if you are driving any other car which your certificate of insurance
covers you to drive. If you are covered to drive other cars, it will be shown in section 5(b)
of your certificate of insurance.
This cover only applies if:
„ „ you do not own the car or you have not hired the car under a hire-purchase agreement;
„ „ it is shown that this cover applies under section 5(b) of your certificate of insurance;
„ „ you have the owner’s permission to drive the car; and
„ „ the vehicle is being used within the ‘limits for use’ shown in your current certificate
of motor insurance.
This cover applies to damage or injury happening in Ireland and the UK only.
This extension applies only to private passenger vehicles. It does not include vans,
car-vans, jeeps with no seats in the back or vans adapted to carry passengers.

9935452

cena wrote: »

It goes for both. what I can make out


1b Driving other cars
This cover will also apply if you are driving any other car which your certificate of insurance
covers you to drive. If you are covered to drive other cars, it will be shown in section 5(b)
of your certificate of insurance.
This cover only applies if:
„ „ you do not own the car or you have not hired the car under a hire-purchase agreement;
„ „ it is shown that this cover applies under section 5(b) of your certificate of insurance;
„ „ you have the owner’s permission to drive the car; and
„ „ the vehicle is being used within the ‘limits for use’ shown in your current certificate
of motor insurance.
This cover applies to damage or injury happening in Ireland and the UK only.
This extension applies only to private passenger vehicles. It does not include vans,
car-vans, jeeps with no seats in the back or vans adapted to carry passengers.

You need to talk to the insurance company again but maybe a different person this time. its amazing the different information that you get from different people and ask for proof of this ie where it is in the policy document

Marcusm

9935452 wrote: »

You need to talk to the insurance company again but maybe a different person this time. its amazing the different information that you get from different people and ask for proof of this ie where it is in the policy document

On this I disagree, relying on the views of call centre staff who regularly contradict each other is not a good idea.

The current Axa policy document on its website deals with "driving other cars" in two sections; section 5 part 1b set out above deals with liability to third parties (other than the car owner) and the cover is limited to the UK andIreland. Separately, section 1 deals with loss or damage to the borrowed car and that cover is limited to Ireland only and is capped at €50k.

The cover applicable to cena will depend on the wording of the identical document in force when he took his insurance out.

The call centre staff should be better trained but in general are not.

GreatDefector

cena wrote: »

It was axa that told me this today. Your only covered to republic of ireland. Total crap if you ask me.
The sooner Ireland gets back the rest of the north the better. The exchange rate is a killer when going up for a fewhours

Our leaders fought and died so you could drive to Belfast

... And so we'd finally have an apple store in the republic

cena

Marcusm wrote: »

On this I disagree, relying on the views of call centre staff who regularly contradict each other is not a good idea.

The current Axa policy document on its website deals with "driving other cars" in two sections; section 5 part 1b set out above deals with liability to third parties (other than the car owner) and the cover is limited to the UK andIreland. Separately, section 1 deals with loss or damage to the borrowed car and that cover is limited to Ireland only and is capped at €50k.

The cover applicable to cena will depend on the wording of the identical document in force when he took his insurance out.

The call centre staff should be better trained but in general are not.

I had a look at the policy.I did not come across anything saying I can't drive a other car up north

Marcusm

cena wrote: »

I had a look at the policy.I did not come across anything saying I can't drive a other car up north

You're misreading my post, I'm not suggesting you can't drive it, I am simply commenting that, under the current policy documentation, anyone you hit is covered but any damage to your friend's car is not.

cena

Marcusm wrote: »

You're misreading my post, I'm not suggesting you can't drive it, I am simply commenting that, under the current policy documentation, anyone you hit is covered but any damage to your friend's car is not.

I was just saying I looked over policy

cena

Just rang them and got confirmed I am covered to drive in the uk