My policy is comp, insured only driving. There is also the pretty much standard clause to drive another car with the policy holders permission. I suspect that this applies to most policies, which leads me to ask the following.

 

I am selling a fast sports car which may attract the odd "test drive for fun - no intention to buy " person and I need to make sure they are comp covered on their DOC clause before letting them loose.

 

If there policy for their existing car is comp is their DOC clause for comp or for a lesser cover say third party?

DOC is pretty rare these days - not included as standard anymore. If they do have the cover it only includes third-party liability.

thanks, so no comp cover no test drive!

If they want to test drive, I'd insist they pay for day insure fully comp.

 

That will also help to weed out the no intention to buy brigade.

DOC is pretty rare these days - not included as standard anymore. If they do have the cover it only includes third-party liability.

Really? All my policies have had it, including when I've only been insured third Party F&T. I know Admrial and Aviva have it on all there policies.

Edited 28 February, 201412 yr by mdon

Really? All my policies have had it, including when I've only been insured third Party F&T. I know Admrial and Aviva have it on all there policies.

A lot of companies have been quietly dropping it from their policies and it does now seem to be the exception rather than the norm.

Sent from my Nexus 4 using Tapatalk

My wife's Aviva policy was TP only for DOC, as are both our LV policies.

DOC is pretty rare these days - not included as standard anymore. If they do have the cover it only includes third-party liability.

 

I wouldn't say that it's rare, but it's certainly not a standard feature any more.

Seems quite few people get "caught" for not having insurance when they driving other people cars when they thought they had the DOC clause, when it's not on their current insurance.  Probably caused when switching to a cheaper insurance policy and not noticing that the DOC clause wasn't included.

Learn something new everyday! but i know Admiral still have it as standard!

Our main club scheme includes DOC if you're over 25 and not in the motor trade. Obviously, if DOC is important to you, tell your provider when you get your quote as that may determine which policy/insurer they recommend.

Edited 28 February, 201412 yr by ChrisKnottIns

I noticed some years ago that they were starting to drop it so I always ask now and most will put it on at no extra cost.

Also check the wording as I think most now only cover you as long as the other car also has its own insurance on it.

I noticed some years ago that they were starting to drop it so I always ask now and most will put it on at no extra cost.

Also check the wording as I think most now only cover you as long as the other car also has its own insurance on it.

If the other car is taxed it has to be insured.

Sent from my Nexus 4 using Tapatalk

If the other car is taxed it has to be insured.

Sent from my Nexus 4 using Tapatalk

 

I know that but there are times when people are selling cars and their insurance is out and there may still be a week left on the tax so they wont SORN it. 

That's when the driving other cars comes in handy.

I know that but there are times when people are selling cars and their insurance is out and there may still be a week left on the tax so they wont SORN it.

That's when the driving other cars comes in handy.

I thought that if it was taxed it had to be insured. No insurance then tax is invalid and car has to be sorn.

Sent from my Nexus 4 using Tapatalk

I thought that if it was taxed it had to be insured. No insurance then tax is invalid and car has to be sorn.

Sent from my Nexus 4 using Tapatalk

 

I don't know about the tax being invalid but yes if you have no insurance you should register it SORN. 

 

It wont matter soon anyway as later in the year they are doing away with the tax disc.

And the tax will no longer be valid when you sell a car.

If it is on the road it must be insured. If it is taxed it must be insured even if it's not on the road. If it is declared SORN you don't need insurance

Sent from my Nexus 4 using Tapatalk

DOC cover is only ever third party and the car in question must have insurance cover elsewhere.

All ins co's will tell it is really only meant to be used in emergency situation s, such as when the car driver and insurer takes ill.

Personally I would never rely on it in any other circumstances. Why would I want to risk driving someone else's motor that is worth £xxx and run the risk of an unisred claim?

If a car is on the road, being driven or parked it needs insurance in its own right as far as I'm aware. 

If a car is on the road, being driven or parked it needs insurance in its own right as far as I'm aware.

It is the case now. Came in some point last year with the continuous insurance change. Prior to that it was a bit more ambiguous.

If a car is on the road, being driven or parked it needs insurance in its own right as far as I'm aware.

Correct, it should have but we all know that there are still uninsured cars and drivers about.