Just a quick one.

I buy fully comp insurance on both my car and motorbike.

On the bike iv been able to ride other bikes third party only since day one, no problem.

However, on the car policy i cant drive other cars.

Im just wondering if this is an age related thing? Im 22 when it comes to renewal time this year, would it be possible to expect such cover?

I understand all insurers are different, but is there a general rule to it? Iv heard off a mate that they usually dont allow third party cover until you're 25 on a car, is this true?

Cheers!

Typically it is at age 25 that this DOC (Driving Other Cars) cover is available. It's rarely standard so you need to ask for it specifically.

 

We can supply it for anyone over 25 who isn't in the motor trade but at 22 you'll struggle I'm afraid.

Nice with some Insurance when you do have 3rd party cover for driving borrowed cars is the option of paying a bit more to have Full Comprehensive.

 

I was surprised with Adrian Flux just how little extra that was.

Yes, and sometimes by adding a driver to the main policy for the full year it can be cheaper than adding them for a shorter period but that takes planning.

 

DOC was only ever intended as an emergency facility.

Hi,

 

Some of our modified  insurers will offer driving other cars benefit at 21. And as said above, where it applies, we can also upgrade the DOC benefit to 'Comprehensive' style cover for £25.

 

Feel free to PM me your details and I'll see if we can offer you it.

 

Kind regards

Dan

I never had it then it was added on once I turned 25 automatically. Strangely, the bike was on straight away and I've been able to upgrade to Fully Comp on other bikes. I'm only TPFT on my own though lol

Im 22 when it comes to renewal time this year

Holy crap! I'm easily old enough to be your dad....

 

#depressed

While there are insurers answering...
 

If you are driving someone else's car under this provision, does the other car need to be insured in it's own right or not?

 

With LV, yes. And LV will not provide fully comp cover to drive other cars. :(

Cheers for the info guys!

I wasnt aware you could upgrade it to fully comp too. Thatd be nice, as my mums getting a brand new mini soon haha.

Ill defo PM you my details when the time comes to renew next month Dan. Cheers!

While there are insurers answering...

If you are driving someone else's car under this provision, does the other car need to be insured in it's own right or not?

On my bike policy the other bike has to already be insured in order for my third party cover to be valid, yes. I think most of them are like that.

Holy crap! I'm easily old enough to be your dad....

#depressed

Haha Just call it experience and wisdom!

Wish my insurance premiums were that of a guy a few years older. Its a pain haha.

Although it has got a lot better since i turned 21.

While there are insurers answering...

 

If you are driving someone else's car under this provision, does the other car need to be insured in it's own right or not?

Every car needs its own insurance policy by law anyway.

 

I have never heard of the DOC clause allowing you to drive an uninsured car.

Just done a quick quote.

£600 last year, fully comp. this year its £720 for the same cover but with 1 years no claims.

Thought these things were supposed to go down, not up.

up after the first year*, then down for a couple, then back up, then down for a couple and repeat until not able to drive anymore

 

 

 

* This is very much dependant on the insurers pricing strategy

Every car needs its own insurance policy by law anyway.

 

I have never heard of the DOC clause allowing you to drive an uninsured car.

 

Well it's needs it's own policy or to be SORNed

But if you are driving it under your policy with a DoC clause then it *is* insured against third party liabilities.

If your policy states that the car must have it's own cover then that's fine, but if it doesn't make any comment one way or the other....

 

I'm thinking of a situation where a car is SORNed, but needs to be moved - for example to an MOT.

If I have a policy that says I can drive other people's cars with third party cover, can it be driven to the MOT garage or not? As long as I'm driving it then it's covered under the extension of my policy.

I'm thinking of a situation where a car is SORNed, but needs to be moved - for example to an MOT.

If I have a policy that says I can drive other people's cars with third party cover, can it be driven to the MOT garage or not? As long as I'm driving it then it's covered under the extension of my policy.

A car must be insured to be on the road. Let alone driving along it.

Third party any cover is only valid for a car with its own certificate of insurance. You cannot do what you are looking to do, a traders policy would be the workaround to this.

You cannot drive a car that is SORN on the highway, it must be taxed and to get that it must be insured. it is currently an offence to own a uninsured but taxed car. I guess the only exception is on the way to a pre booked MOT, but then you can insure the car on fully comp on a day policy for that.

If your policy does not mention the other car needs to be insured you should be ok.

at the moment there are occasions where you may need to drive a taxed car that has no insurance on it.

 

For Example

If you bought a car from used dealer that has tax on it then as soon as you take ownership it has no insurance.

You may not want to use it straight away so could ask a friend who has DOC insurance to pick it up for you.

 

This is changing very soon as the tax will be void upon sale of the vehicle.

So when you buy a second hand car you will have to get insurance and then tax it before you can use it.

and if you sell your car you will need to cash in the tax.

If your policy does not mention the other car needs to be insured you should be ok.

at the moment there are occasions where you may need to drive a taxed car that has no insurance on it.

 

For Example

If you bought a car from used dealer that has tax on it then as soon as you take ownership it has no insurance.

You may not want to use it straight away so could ask a friend who has DOC insurance to pick it up for you.

 

This is changing very soon as the tax will be void upon sale of the vehicle.

So when you buy a second hand car you will have to get insurance and then tax it before you can use it.

and if you sell your car you will need to cash in the tax.

Can you supply a reference for this info? It is not as I understand it.

(Silly as it sounds) there are loads of traffic cop shows where people have their car seized for driving third party 'doc' when they find their is no policy holder for that vehicle.

If your policy does not mention the other car needs to be insured you should be ok.

at the moment there are occasions where you may need to drive a taxed car that has no insurance on it.

For Example

If you bought a car from used dealer that has tax on it then as soon as you take ownership it has no insurance.

You may not want to use it straight away so could ask a friend who has DOC insurance to pick it up for you.

This is changing very soon as the tax will be void upon sale of the vehicle.

So when you buy a second hand car you will have to get insurance and then tax it before you can use it.

and if you sell your car you will need to cash in the tax.

This is correct as I understand it. There was a case that went to court and it was ruled the car WAS insured under the DOC part of a guys policy BUT it's all in the wording. If it says the other car/bike needs insuring then it does (as mine does) but plenty don't, particularly bike policies say as long as it's not owned or registered to you.

Even after new tax rules come in, there's still the situation of taking a mates car for a MOT or place of repair while it's SORN/Not insured.

Ooooh, I have a question.

We have 2 policies through Chris knott. Can my wife drive my car 3rd party? She can drive other peoples cars 3rd party but wondering if it was the same as we are married and live at same address?

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Ooooh, I have a question.

We have 2 policies through Chris knott. Can my wife drive my car 3rd party? She can drive other peoples cars 3rd party but wondering if it was the same as we are married and live at same address?

Sent from my iPad using Tapatalk HD

I've wondered about this too. However, we're cross insured on each others cars (as named drivers) anyway as it makes it cheaper overall. Would be good to get an answer. Logic would say its fine, but, well, sometimes these things can be absent it

Ooooh, I have a question.

We have 2 policies through Chris knott. Can my wife drive my car 3rd party? She can drive other peoples cars 3rd party but wondering if it was the same as we are married and live at same address?

Sent from my iPad using Tapatalk HD

 

If she has the DOC extension to her policy. Otherwise, if you want to afford her cover, you would cover yours for 'insured and spouse'.

Holy crap! I'm easily old enough to be your dad....

 

#depressed

Almost GRANDAD in my case!! 

 

Even more depressed than you now! 

Fairly recent ruling this it seems, as my young cub was allowed to drive my Fabia vRS on HIS policy when he was just 17.

 

Can't drive ANYTHING now other than his own car and a double decker bus with 80 passengers on board on a day trip to Prague. Bloody madness in the extreme, with absolutely ZERO tolerance or leeway shown by all these bloody insurance companies. 

Infuriating in the extreme.

 

They place the goal posts where they see fit, with this one rule for all nonsense, with categorically no compromise or flexibility  whatsoever!

Whatever happened to actually LISTENING to your customers and their needs?