Third party extension

gandalfio

Hi,

Is it possible to own two cars in your own name, and insure your partner as a named driver on the car which I have fully comp on(costing nothing extra on the premium) and allow the partner to drive the other car under third party extention?
Any feedback much appreciated

punisher5112

No.

gandalfio

punisher5112 wrote: »

No.

Could you elaborate? What if the second car was owned by a relative?

Liam McPoyle

Driving of others cars is only available to policy holders, not named drivers.

Sue Pa Key Pa

Driving of other cars excludes any other vehicle you own. Quite often it excludes a vehicle owned by a spouse/partner and some insurers insist the other vehicle must have it's own policy

punisher5112

gandalfio wrote: »

Could you elaborate? What if the second car was owned by a relative?

Fronting is not allowed and for all reasons others stated.

If this were the possibility of getting by then everyone would insure a Yaris and drive an m5

gandalfio

punisher5112 wrote: »

Fronting is not allowed and for all reasons others stated.

If this were the possibility of getting by then everyone would insure a Yaris and drive an m5

Cheers for the feedback. I was aware that it would be illegal for the main policy holder to drive another car registered to them, I just wasn't sure what the rules were regarding a named driver driving another car in the lead policy holder's name.

beechwood55

The best idea is always to contact the insurer and ask them the question. Aviva only allow 3rd party cover if the other car is insured under its own current policy. Other insurers may not have this condition.
That's just an example.

coylemj

beechwood55 wrote: »

The best idea is always to contact the insurer and ask them the question.

Not a good idea because they can deny what was said on the phone or (even if the call is recorded) repudiate anything that you were told because ultimately they can fall back on the clause contained in every motor insurance contract which is that the contract is governed by the policy document, the schedule they send you on each renewal and your cert. Legally what this means is that nothing you are told over the phone can alter the terms of the contract so you cannot rely on anything that a call agent tells you because if what they tell you turns out to be incorrect in terms of cover, it's your problem, not theirs.

If you have a query, read the policy document.

beechwood55 wrote: »

Aviva only allow 3rd party cover if the other car is insured under its own current policy. Other insurers may not have this condition.
That's just an example.

+1 last time I checked the major insurers' policy documents, Aviva was the only company which has this requirement. It's there quite simply so that a household doesn't buy a second car, leave it uninsured, register it in the name of a neighbour and use it as a second car while availing of the 'driving other cars' clause in their primary car's policy.