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Driving other cars

  • 27-03-2019 9:40pm
    #1
    Basq
    Registered Users, Registered Users 2 Posts: 44,035 ✭✭✭✭


    Rang Axa's office but they're closed til the morning..

    Am curious as to whether my policy has "open drive" - as sharing the drive to Cork in the girlfriend's car - she is fully insured - as these statements seem to be contradicting.

    Under my insurance:

    Section 1 - Loss and Damage to your Car
    * Loss or damage to a car you borrow from another person - Not Applicable

    Section 5 - Liability to Others
    * Liability whilst driving vehicles not owned by the insured - Applies

    I'm presuming the latter covers me.


Comments

  • #2
    Basq
    Registered Users, Registered Users 2 Posts: 44,035 ✭✭✭✭Basq


    Actually.. yeah, probably Third Party cover on reflection.


  • #3
    Gaillimh1976
    Registered Users, Registered Users 2 Posts: 738 ✭✭✭Gaillimh1976


    Basq wrote: »
    Rang Axa's office but they're closed til the morning..

    Am curious as to whether my policy has "open drive" - as sharing the drive to Cork in the girlfriend's car - she is fully insured - as these statements seem to be contradicting.

    Under my insurance:

    Section 1 - Loss and Damage to your Car
    * Loss or damage to a car you borrow from another person - Not Applicable

    Section 5 - Liability to Others
    * Liability whilst driving vehicles not owned by the insured - Applies

    I'm presuming the latter covers me.

    I would read that as you have 3rd party but not comprehensive

    So legal to drive but damage to gf car not covered


  • #4
    whomitconcerns
    Registered Users, Registered Users 2 Posts: 4,381 ✭✭✭whomitconcerns


    That's not open drive anyway. Open drive means anyone can drive your car under your insurance. You mean third party extension. And the terms make sense you only drive the other partys car third party. If it gets damaged, you is on the hook for it!


  • #5
    jimgoose
    Registered Users, Registered Users 2 Posts: 20,180 ✭✭✭✭jimgoose


    TPO on the GF's car, as said. I'm not sure if they still do it, but AXA gave me full-comp on other cars up to 2l after I'd been with them for three years.


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