Does Comprehensive Ins allow me to drive another person's car

Conology

Hi

Can you advise me - Does my "Fully Comprehensive" Insurance allow me to drive another person's car. Not on a permanent basis, only on rare occasions. The other person would also have Fully Comprehensive Insurance.

Thank you

HeidiHeidi

Depends on your policy, it's not automatic.

Look at the wording on your policy document re "Driving Other Cars".

Atlantic Dawn

Depends on the terms and conditions of your policy. Usually it does, but can be limited in that it may only offer it to policyholders who are 25. I'd check the terms on your certificate of insurance and call insurer to verify if unsure. Normally you will only be covered third party in the other persons car you will be driving.

HeidiHeidi

https://www.boards.ie/discussion/comment/118810061#Comment_118810061

I was also limited on one policy by engine size and number of seats (no 7-seaters). I only discovered that by accident when querying something else, and got out of that policy sharpish!!

maestroamado

The insurance cert that you took the windscreen disc off will clearly state if this under what the insurer is allowed...

Conology

Thanks for your replies - I'll double check my policy & with the Insurer.

Thank you all

vandriver

I know I had fully comp,with no driving other cars extension.

Rket4000

You could also find that even though you have fully comp on your own car yiy are only covered for third party driving other cars. It might be easier to get yourself insured on the other car as a named driver in the owner's policy.

Henry Ford III

https://www.boards.ie/discussion/comment/118810101#Comment_118810101

Not necessarily.

maestroamado

https://www.boards.ie/discussion/comment/118814320#Comment_118814320

It has to by law describe what is and is not insurance certificate... otherwise how would people/Gardai know when document presented...

Henry Ford III

https://www.boards.ie/discussion/comment/118814521#Comment_118814521

Apolgies I misread that. The disc doesn't, but the cert does.

coylemj

https://www.boards.ie/discussion/comment/118810086#Comment_118810086

That was most likely a limitation on fully comp. cover when driving other cars. In the case of the policy you're mentioning, cover would have been limited to third party only if you exceed one of the stated limitations.

There's usually two sections of the policy document which outlines the limitations to cover when driving other cars, one which restricts fully comp cover based on factors like the engine size and another section which states limitations to cover (of any kind) when driving a borrowed car. The latter usually revolves around your relationship to the owner e.g. some policies state that you won't be covered if the car is owned by someone in your household.

HeidiHeidi

https://www.boards.ie/discussion/comment/118818904#Comment_118818904

It definitely wasn't! I checked and double checked because I couldn't believe it myself.

It was one of the online companies (25+/ItsForWomen - can't remember now but they're all the same crowd anyhow afaik) - great price, but it became clear why, and they were a nightmare to deal with so I was glad to be shut of them.

CreadanLady

https://www.boards.ie/discussion/comment/118810132#Comment_118810132

This is what you should have done in the first place.

People come on here all this time, am i covered for this am i covered for that.. How the hell are we supposed to know! Read you damn policy documents, that is what they are for, to tell you this information