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Open Drive - what exactly does it entitle?

  • 02-08-2017 10:56am
    #1
    fifib
    Registered Users, Registered Users 2 Posts: 1,463 ✭✭✭


    getting confused on this...open drive - if i have this on my policy does it mean i can drive any other car and have fully comprehensive insurance when doing so or does it mean anyone can drive my car and are covered fully comp under my policy?


Comments

  • #2
    grogi
    Registered Users, Registered Users 2 Posts: 8,616 ✭✭✭grogi


    fifib wrote: »
    getting confused on this...open drive - if i have this on my policy does it mean i can drive any other car and have fully comprehensive insurance when doing so or does it mean anyone can drive my car and are covered fully comp under my policy?

    The latter.


  • #3
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    The Open Drive usually has restrictions and you should refer to your policy. Normally, drivers must be over 25, Full Licence and clear driving record


  • #4
    dball
    Registered Users, Registered Users 2 Posts: 1,881 ✭✭✭dball


    To drive another car under your own insurance policy - the other car must have its own policy and then you can drive it.

    You cant just jump into any car and be insured to drive away


  • #5
    grogi
    Registered Users, Registered Users 2 Posts: 8,616 ✭✭✭grogi


    dball wrote: »
    To drive another car under your own insurance policy - the other car must have its own policy and then you can drive it.

    You cant just jump into any car and be insured to drive away

    That vastly differs from policy to policy.


  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    dball wrote: »
    To drive another car under your own insurance policy - the other car must have its own policy and then you can drive it.

    That started as an urban myth which was repeated and debunked here ad nauseam but it has started to become fact for some policies.

    AFAIK Aviva is the only company which currently has that condition in the 'driving other cars' section of their policy document. It's clearly a tactic to stop people from borrowing 'laid up' bangers where the car's own policy has lapsed.

    Happy to be corrected if others have joined up but it is not a general condition of all motor policies.


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  • #7
    dball
    Registered Users, Registered Users 2 Posts: 1,881 ✭✭✭dball


    thanks for the correction - I'm off to study my policy right now .thanks


  • #8
    HeidiHeidi
    Registered Users, Registered Users 2 Posts: 30,048 ✭✭✭✭HeidiHeidi


    "Open drive" refers to others being insured to drive your car

    "Driving other cars extension" refers to you being insured to drive other cars.


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