Grundy Posted September 13, 2014 Share Posted September 13, 2014 Okay, just a quick question.... How do you know if you are insured to drive other cars? When I take out a policy etc, there isn't a specific question to say 'Do you want to be insured to drive other cars' Is this just a older generation myth? As my Grandads assumption is, if you are fully comp, you are insured. But I'm pretty sure this isn't the case. Quote Link to comment Share on other sites More sharing options...
StevoD Posted September 13, 2014 Share Posted September 13, 2014 (edited) your under 25 arnt you? which means no anyway and it used to be like that back in the day but 90% of policy now dont have (DOC) on a basic package you have to ask for it Edited September 13, 2014 by StevoD Quote Link to comment Share on other sites More sharing options...
GIXXERUK Posted September 13, 2014 Share Posted September 13, 2014 It will tell you on you're policy, fully comp does not give you the automatic right to drive other vehicles, iirc there is an age restriction of 25 You are only insured 3rd party only and you cannot own the vehicle (e.g a 2nd car) Quote Link to comment Share on other sites More sharing options...
Grundy Posted September 13, 2014 Author Share Posted September 13, 2014 your under 25 arnt you? Aye, So it's a - You have to be over 25 and Fully comp rule? Quote Link to comment Share on other sites More sharing options...
GIXXERUK Posted September 13, 2014 Share Posted September 13, 2014 (edited) Tbh the best thing is to ring your ins co .. To be sure If it's family it's usually fairly cheap to add a named driver Edited September 13, 2014 by GIXXERUK Quote Link to comment Share on other sites More sharing options...
Grundy Posted September 13, 2014 Author Share Posted September 13, 2014 It was just me being curious. It's not something I need. Was just wondering as the older generation just seem to think - Fully Comp means you can drive anyones car.... Quote Link to comment Share on other sites More sharing options...
GIXXERUK Posted September 13, 2014 Share Posted September 13, 2014 It was just me being curious. It's not something I need. Was just wondering as the older generation just seem to think - Fully Comp means you can drive anyones car.... Not the case mate Quote Link to comment Share on other sites More sharing options...
mouthwash Posted September 13, 2014 Share Posted September 13, 2014 Mine specifies it in the terms of my policy. Quote Link to comment Share on other sites More sharing options...
Lyndzzz Posted September 13, 2014 Share Posted September 13, 2014 Mine has always stated on the policy document that I am covered, never asked for it either Quote Link to comment Share on other sites More sharing options...
marzman Posted September 13, 2014 Share Posted September 13, 2014 Im with Admiral and I have this by default. Quote Link to comment Share on other sites More sharing options...
GIXXERUK Posted September 14, 2014 Share Posted September 14, 2014 (edited) Mine has always stated on the policy document that I am covered, never asked for it either Always ? Since you were 17 ? I doubt it Edited September 14, 2014 by GIXXERUK Quote Link to comment Share on other sites More sharing options...
StevoD Posted September 14, 2014 Share Posted September 14, 2014 just something to note to those who think they are covered, Seriously read all of your Term and conditions as it might be by default but might have a clause which makes it invalid or get it 100% confirmed by your insurance with a written letter, As an older guy i work with had the same outlook as some on this thread he got stopped in his wifes Z4 and now has 6 points on his license and a hefty fine for driving without insurance 1 Quote Link to comment Share on other sites More sharing options...
RickyZ Posted September 14, 2014 Share Posted September 14, 2014 Mine has been included since I turned 25. It covers me to drive any vehicle included on my driving license but only third party cover. I don't know if it's possible to get fully comp on all cars as they probably wouldn't want you to jump into a priceless classic or brand new ferrari and crash it if your only paying £300 a year Sent from my iPhone using Tapatalk Quote Link to comment Share on other sites More sharing options...
ioneabee Posted September 14, 2014 Share Posted September 14, 2014 just something to note to those who think they are covered, Seriously read all of your Term and conditions as it might be by default but might have a clause which makes it invalid or get it 100% confirmed by your insurance with a written letter, As an older guy i work with had the same outlook as some on this thread he got stopped in his wifes Z4 and now has 6 points on his license and a hefty fine for driving without insurance definately this on the whole though, after 25 you are covered but it is usually 3rd party only - but as StevoD says - you have to check Quote Link to comment Share on other sites More sharing options...
Ekona Posted September 14, 2014 Share Posted September 14, 2014 Some myths on here, but Stevo is right. You can be covered DOC if under 25, but most insurers do not. It can be included by default, but some insurers do not. You cannot get DOC FC on any common road policy. Trader policy should do, though. If in doubt, call and ask. Always! 1 Quote Link to comment Share on other sites More sharing options...
Jetpilot Posted September 14, 2014 Share Posted September 14, 2014 Worth nothing also, the other car your drive needs a valid insurance policy of its own for you to be covered via your policy Quote Link to comment Share on other sites More sharing options...
Ekona Posted September 14, 2014 Share Posted September 14, 2014 Not true, it depends in your insurer. However, that's irrelevant now that every car must either be taxed and insured, or SORN'd. So you're right, but for the wrong reason Quote Link to comment Share on other sites More sharing options...
StevoD Posted September 14, 2014 Share Posted September 14, 2014 also ive read that if said car is owned in the household and is on finance or leased it maybe not be eligible for cover Quote Link to comment Share on other sites More sharing options...
Ekona Posted September 14, 2014 Share Posted September 14, 2014 Owned, leased or finance: I've never ever seen an insurer stipulate that. It wouldn't make sense, I reckon 60% of cars out there fall under that these days. Also it's only 3rd party, so they have no interest in the actual vehicle. Owned in the household would not matter either, but obviously you can't own it yourself. Again though, with continuous insurance that makes that scam impossible. As ever though, ask your insurer. They're all different. Quote Link to comment Share on other sites More sharing options...
Lyndzzz Posted September 14, 2014 Share Posted September 14, 2014 (edited) Mine has always stated on the policy document that I am covered, never asked for it either Always ? Since you were 17 ? I doubt it I never said from 17, at that age it cost me £1500 3rd party. Let me clarify. Mine has always stated on the policy document that I am covered to drive other vehicles 3rd party, but only since I could afford fully comp insurance which I've had since I was 22. I have never asked for it or used it either. Edit: That was 10 plus years ago and I know the under 25 clause was implemented across the board not long after that, I think around 2005ish? Edited September 14, 2014 by Lyndzzz Quote Link to comment Share on other sites More sharing options...
StevoD Posted September 14, 2014 Share Posted September 14, 2014 (edited) Well you cant DOC a rented car and as lease is long term rental ? Also you must have owners permission not who the car is registered to if it is leased or financed and your mate says yea mate no worryz take it have you asked the owner, No . The owner is the finance/lease company and they will not let a randomer drive it on 3pft This is worth a read Edited September 14, 2014 by StevoD Quote Link to comment Share on other sites More sharing options...
StevoD Posted September 14, 2014 Share Posted September 14, 2014 http://www.confused.com/car-insurance/articles/when-fully-comp-doesnt-let-you-drive-any-motor Quote Link to comment Share on other sites More sharing options...
Ekona Posted September 14, 2014 Share Posted September 14, 2014 "The bottom line is to check the precise conditions for driving other cars with your insurer. Otherwise, the outcome could end up costing you a packet." Yeah, that. 1 Quote Link to comment Share on other sites More sharing options...
Flex Posted September 14, 2014 Share Posted September 14, 2014 I've been with Admiral/Elephant for the last 6 yrs or so and I always have the drive other cars option, never asked for it just always on. Perhaps because I'm an old fart now? Quote Link to comment Share on other sites More sharing options...
StevoD Posted September 14, 2014 Share Posted September 14, 2014 Yea just be sure the person you borrowing from is the 100% owner Quote Link to comment Share on other sites More sharing options...
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