Driving of Other Cars - Clauses

Inviere

Hi all, can anyone explain Section X to me in the below? I'm renewing my insurance here and took a moment to re-read the clauses on the "Driving of Other Cars" section. Section X confuses me, am I, or am I not covered to drive my wife's car (owned and insured separately by her) under my own policy's 'driving of other cars' rule?

If Your cover is Comprehensive We will cover You under the terms of Section 1 (Third Party Only) and Section 3 (Accidental Damage) of this Policy, provided Section 2 is operative on Your Policy Schedule, while You are driving any private motor car with the owner’s permission, providing: 
(i) the car is not owned by You, Your employer or Your business partner; 
(ii) it is not hired to You, Your employer or Your business partner under a hire purchase agreement or a leasing agreement; 
(iii) it is not owned by or in the custody or control of a Motor Trade Business of which You are a member, director or employee; 
(iv)  it is not a car-van with only 2 seats or less, nor a motorcycle nor commercial vehicle of any kind; 
(v) there is no other policy in force, whether You are the policyholder of that policy or not, that covers Your driving of the car You are driving under this Section; 
(vi) The current Schedule of Insurance shows that your cover is comprehensive; 
(vii) The current Certificate of Motor Insurance contains the ‘driving other cars’ cover; 
(viii) The engine of the car is less than 2500 cubic centimetres engine capacity or does not exceed 75kWh if battery powered electric car; 
(ix) The current value of the vehicle is no greater than €50,000;           
(x) The car is insured under a current policy of insurance in the name of another person who is not Your spouse/partner; 
(xi) You have the owner’s permission to drive the other car; 
(xii) The car is registered, taxed and normally situated in the Republic of Ireland and is compliant with Road Traffic legislation and is the subject of a valid NCT certificate where so required by law; 
(xiii) The car is not modified beyond the manufacturer’s standard specification; 
(xiv) You still own and insure Your car under this policy and Your car has not been damaged beyond economic repair.

whomitconcerns

You cannot use your third party cover to drive your wife's car. You need to become a named driver on her policy

halkar

That's correct. You can add yourself to your wife's policy to drive her car. In some cases that may bring down your wife's insurance cost. She will have to do same if she wants to drive your car.

Inviere

https://www.boards.ie/discussion/comment/122214742#Comment_122214742

Cheers, though my policy is Comprehensive….assuming that's the same in this case?

Inviere

https://www.boards.ie/discussion/comment/122214747#Comment_122214747

Great, I appreciate the clarification, cheers

blade1

https://www.boards.ie/discussion/comment/122214752#Comment_122214752

comprehensive on your own car.

Inviere

https://www.boards.ie/discussion/comment/122214758#Comment_122214758

Comprehensive on my car, 3rd party cover on other vehicles except my wife's whereby I need to be a named driver under her policy…that sound right?

blade1

https://www.boards.ie/discussion/comment/122214764#Comment_122214764

That's usually the case yep.

As already mentioned by another poster adding yourself to your wifes policy (and vise versa) could bring the cost down.

zg3409

Note the rules vary by insurer and can change on renewal year to year. They seem to add new catches all the time. Comprehensive has nothing to do with driving other people's cars. Typically when you drive other people cars you are not comprehensive unless you ring your insurer and they agree to a temporary transfer.