General question on insurance

mondeoman72

Purely hypothetical. Hopefully, will never be tested.

So I am insured on my car, lets call it car A. I am also open driven on any other car.

Car B belongs to a family member, with me as a named driver. (for some reason insurance was cheaper for them with a second driver listed.)

So my question is. In the event of a bang while I am driving. What policy would be in force?

cml387

I assume you mean if you have an accident in the car belonging to a family member, the insurance on which you are named driver, and in that accident you are at fault?

In that case it's the insurance policy on the car you are driving.

whomitconcerns

Open drive policy means anyone can drive the OPs car. Nothing to do with other cars. Maybe he means he has 3rd party extention?

Also he is a named driver on the other car.

If he has an accident on the other car, AND he has 3rd party extention, both his policy and the other cars policy will be liable for the accident, as there will be 2 policys which COULD be liable. They will share liability.

FWIW I am 100% on the first few points and about 75% on the last one.

mondeoman72

Hi all.

Sorry it is unclear. To clarify, I have my own car with a policy that allows driving any other car.

I am also a named driver on a second car, "Car B" If I have a bump while driving "Car B", is there a particular policy that is in force. I have read about insurance companies trying to avoid claims so wouldnt want an issue with AIG blaming Zurich and vice versa.

Of course, I hope this will never arise.

whomitconcerns

as both policys can apply both do apply, yours (3rd party ext) and car b's (named). You cant chose to pin it on one over the other. I know thats not what your intent would be but the insurance companies see it that way. It will affect both policies.

Thoie

https://www.boards.ie/discussion/comment/118156963#Comment_118156963

I have exactly the same scenario (have my own insurance on car A which allows me to drive any other car, and am also a named driver on car B). So in the case of an accident involving a 3rd party while driving car B, would InsurerA and InsurerB pay half each? Or come to some agreement about how to split it? If gardaí asked for insurance details, do you just give them both?

whomitconcerns

In any claim you would have to say if any other policy could be in effect. As to what they would do, in not sure if the exact procedure, would need someone from the industry to connect there.

But they certainly don't pay 100% when they can legally dump some of the bill on the other insurance company.

Eggs For Dinner

If you are liable for the accident, the policy in your name is the more specific one to cover the other party's loss, regardless of the fact that you are named on the policy of the vehicle you are driving.

Both policies are likely to have wordings to the effect along the lines of, "if the driver is entitled to indemnity under any other policy, that one must respond" As this would cancel eachother out, it reverts to the policy held in the name of the driver

Given that most driving of other car extensions are 3rd party only, you can claim for damage to the car you are driving under the policy where you are named

In short, both policies will be called in to play for different aspects and both will end up with a claims experience

db

Do most third party extensions not exclude a partners car? I had to present insurance once when driving my wife's car and when I turned up with my own insurance I was told it didn't cover me and sure enough there was a clause inn the small print. Luckily I was also named on my wife's policy.

mondeoman72

This truely is a bit of a minefield. The second car, the subject of this query, is not my partners' it is my daughters. Tracking box was put on it yesterday and it is now on the road.

coylemj

https://www.boards.ie/discussion/comment/118190507#Comment_118190507

It is and I've always wondered how it would pan out because in the scenario you described, where you are potentially covered by two policies, each policy will have a disclaimer saying that you must claim under the other policy.

Poster Eggs for Dinner (post #8) works in the business and has clarified it for me. What he says is that if you are driving car B, have an accident and there is a third party claim, it will be handled by your own policy. If car B is damaged in the accident, the owner (in this case, your daughter) may be able to claim under her policy, if she has fully comp.

tscul32

https://www.boards.ie/discussion/comment/118192203#Comment_118192203

I'm pretty sure this is what happened when I had a tip (into the back of a car that already had gone into the back of another) driving my husband's car. We got our car fixed with his comprehensive insurance (named driver) but the third party claim was against mine. Both policies with the same company and it was 10 years ago so not 100% but both renewals affected.