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Insurance, Am i covered?

Discussion in 'Insurance - Sponsored by Sky Insurance' started by steslatt, Aug 24, 2010.

  1. steslatt
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    steslatt Member

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    [Aug 24, 2010]
    Ok recently i took out a new insurance policy on my car. I am insured fully comp on my car but it also says i am covered to drive any car that does not belong to me and i will be covered 3rd party. No where does it mention that the car has to be insured for me to be covered. My friend has a car on his driveway that is taxed but he got banned and is no longer insured. Would i be covered by my insurance to drive his car?
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  3. Welly
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    Welly VX220 SC Driver :)

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    [Aug 24, 2010]
    Why risk it? Phone your insurance company and ask the question. That way you 100% know for sure.
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  4. auroan
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    auroan Active Member

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    [Aug 24, 2010]
    Only way to know for sure is to phone your insurance company.
    #3
  5. auroan
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    auroan Active Member

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    [Aug 24, 2010]
    Plus if you do drive the car, you may be pulled by ANPR cars as the car will show a no insurance marker regardless of what you hold... so added hassle.
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    Ads License to drive

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    [Aug 24, 2010]
    Nope, you won't be insured. The other car that you drive must be insured by someone else before you can drive it.
    If it's not stated on your documents then it will be somewhere in your company's full terms and conditions.
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  7. steslatt
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    steslatt Member

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    [Aug 24, 2010]
    how do you know? theoretically it shouldnt matter if the car is insured because it would be my insurance paying out in the event of an accident.
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  8. jojo
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    jojo S3 Drift King! Staff Member Moderator

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    [Aug 24, 2010]
    This is correct, the car has to be insured for you to drive it insured as 3rd party, or we would all have one insurance policy and load of cars in our parents name parked outside the house! This stops you from driving a shed also, as you should know that a car can only get roadtax if it's got insurance and MOT.
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  9. Welly
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    Welly VX220 SC Driver :)

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    [Aug 24, 2010]
    I thought that was the case, and it's understandable to be fair.
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  10. A3Bash
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    A3Bash Member

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    [Aug 24, 2010]
    Mentioned above, you aren't insured if the car isn't... My mate bought a mini cooper s,he's 21 so no chance he could have it insured. Got his dad fully comp on it and he has his own policy on another crappy little car... Drives the mini on his own policy but he needs his dad to be insured on the mini as well. Saves a lot of money!
    #9
  11. FactionOne
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    FactionOne Well-Known Member

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    [Aug 24, 2010]
    But of course there's a high chance he's still not insured, because all the policies I've had/heard about only cover the use of other vehicles when you're aged 25 and over; and of course bending the rules in that manner is technically illegal - similarly to being a named driver on a parents' policy when in reality you're the main driver - if you get found out (unlikely I know, but not always impossible), you'll not get paid out.

    Anyway, as aythreee and jojo pointed out, the OP is definitely not insured to drive his friend's car 3rd party if there is no valid insurance policy on the vehicle.

    Regards,

    Rob.
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  12. PaulAr
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    PaulAr S3 (8P)

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    [Aug 24, 2010]
    This is called `fronting`, and illegal, if you are caught and its proven you are more than an occasional driver.
    I did this yrs ago for 6 months but was lucky to get away with it.

    Mate of mine also did this years ago, he had a non fault accident and had to fight to get the insurance Co. to pay out.
    They then cancelled the policy and the car had to be sold.

    Risky, especially if its a high value car.
    As long as it only affects the policy holder then I guess its their risk.

    Paul
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  13. steslatt
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    steslatt Member

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    [Aug 24, 2010]
    Well i rang my insurance and turns out your all wrong. I am covered to drive any car whether its insured or not as long as it doesnt belong to me and i have the owners permission. Makes sense really if you use your brain. Why would the car need insurance when my policy would be covering it anyway. It would be totally pointless.
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  14. jojo
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    jojo S3 Drift King! Staff Member Moderator

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    [Aug 24, 2010]
    If that's the case, then I stand corrected! Goodluck when you get pulled over by the local fuzz. :busted_cop:
    #13
  15. sniffy_smiffy
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    sniffy_smiffy Member

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    [Aug 24, 2010]
    Ummmm...

    I definitely would not be driving a car without insurance, even if mine said it covered it.

    I am pretty sure it is illegal.

    Good luck though.
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  16. FactionOne
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    FactionOne Well-Known Member

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    [Aug 24, 2010]
    Ditto - if that's the way it is, the best of British to you; but I'm still a bit dubious; and I'd probably still be checking my paperwork carefullly...

    All the best,

    Rob.
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  17. PaulAr
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    PaulAr S3 (8P)

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    [Aug 24, 2010]
    Shows that T&Cs vary from company to company and forums are the wrong place for definative insurance advice.:sadlike:
    #16
  18. steslatt
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    steslatt Member

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    [Aug 24, 2010]
    I admit it is strange and i've not heard of an insurance company do it before. That is why i asked the question, but its there in black and white and the insurance company have confirmed it.
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  19. steslatt
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    steslatt Member

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    [Aug 24, 2010]
    How is it illegal? its in black and white on my certificate of motor insurance and they have confirmed it, I would be insured...
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  20. Ads
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    Ads License to drive

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    [Aug 24, 2010]
    Hmmmmm.... something is fishy here I think. :yes:
    Who are you insured with??
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  21. Scott
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    Scott Well-Known Member

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    [Aug 24, 2010]
    I would be VERY careful....
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  22. jojo
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    jojo S3 Drift King! Staff Member Moderator

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    [Aug 25, 2010]
    I'd like to know too, it's like having traders car insurance... but on the cheap. :)
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  23. Ads
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    Ads License to drive

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    [Aug 25, 2010]
    Also, what happens if he drives the car to say the shops and parks the car up, or leaves it overnight somewhere??
    Once he leaves the car his insurance is no longer covering the car 3rd party, and as there is no other insurance on the car it will be just sitting there on a public road uninsured. That's not allowed is it??

    And what if the car then blows up or rolls forward on its own and damages people/vehicles/etc that are close by?
    They'd be no insurance to cover results of this.

    These are other reasons why a car has to insured under its own policy, I would've though.
    #22
  24. adamss24
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    adamss24 Well-Known Member

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    [Aug 25, 2010]
    You can ONLY drive 1 car at the time ! On mainland Europe it is the car that's insured NOT the driver so technically, as long as you have a valid driving licence and the car has an MOT then everything is fine. Overhere,insurance companies have forced the drivers to have expencive insurances and this is a con. Ok, it will show on ANPR that the car is uninsured but, while holding a valid Certificate of insurance they cannot do f*ck-all about-it ! I have a fully comprehensive insurance who covers me for driving different cars with the owners permission while beeing insured 3rd party. Its with Admiral and nearly all insurance companies should allow that on a fully comp. policy, if they don't then i suggest you take a different policy from a different company !
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  25. steslatt
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    steslatt Member

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    [Aug 25, 2010]
    Some people just cant admit when they are wrong ha

    The car would only be insured while i am in charge of it, therefore if i went to the shops in it i would still be in charge of it and it would be covered.

    Certificate of motor insurance is a legal document, therefore if it says i am covered to drive any car then the insurance company has to cover me...
    #24
  26. Ads
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    Ads License to drive

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    [Aug 25, 2010]
    I am also with Admiral/Elephant and I am insured third party on any other vehicle as long as it is insured by the owner.
    I know this because I went to collect a car my girlfriend bought. Before driving it home I phoned my insurance company to see if I would be insured to drive it, because with all of the other insurance companies I had ever been with I wouldn't have been insured.
    They said "only if it is already insured by the owner".
    I had to insure it in her name before I could drive it home.

    Now I'm not saying this is the case with 100% of insurance companies because I don't know the T&C's of them all, but it has been the case with every company I have been with for the past 16 years.
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  27. Ads
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    Ads License to drive

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    [Aug 25, 2010]
    It ain't about admitting when I'm wrong fella, because at the moment I'm not sure that I am.
    So..... who are you insured with mate?
    #26
  28. steslatt
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    steslatt Member

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    [Aug 25, 2010]
    hahaha well my documents say im covered, my insurance company say im covered but if u say im not then i must not be. sorry my mistake :/
    #27
  29. Ads
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    Ads License to drive

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    [Aug 25, 2010]
    Ok, and without being a **** about it, AND for the third time............ who are you insured with mate?


    Here's the bit in my admiral policy......

    1b Driving other cars
    If you qualify under this section, cover is for the policyholder only and is Third Party only,
    while driving a private motor car within our territorial limits. Your current Certificate of
    Motor Insurance will say if you have this cover.
    We will cover you for everything listed in clause 1a when you are driving any other car as
    long as:
    your current Certificate of Motor Insurance says so
    you hold a valid Driving Licence and are not disqualified
    the other car is not owned by you, a rental car, nor hired to you under a hire purchase or leasing agreement
    you have the owner’s permission to drive the car
    there is a valid insurance policy in force for that car
    you are not covered by any other insurance to drive it
    you still have your car, and it has not been damaged beyond repair, stolen nor sold
    #28
  30. steslatt
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    steslatt Member

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    [Aug 25, 2010]
    nfu mutual
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  31. Ads
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    Ads License to drive

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    [Aug 25, 2010]
    :lmfao:

    I suggest you phone them again and ask the question properly.

    With NFU policies, before you can drive another car third party THE CAR ALREADY HAS TO BE INSURED BY THE OWNER.

    Digs aside mate, phone them again. You don't want to drive another car and if something happens you find that you're not covered. Because that is exactly what will happen.
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  32. Ash B
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    Ash B Well-Known Member

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    [Aug 25, 2010]
    Sounds like you have DOC "driving other car" not all insurance companies make their policy holders aware that you are only really able to use DOC in an emergency. Its not for every day use or if a family member or friend says you can use their car. The other car needs to be taxed, have MOT and already be insured by some one else. As some insurance companies in less you have an good excuse for using some one else car they wont pay out on the claim. Andwill void your DOC/policy.
    So the companie who the car insured with have to take over the claim. Or the third party can take you to court and claim it all back of you.
    Most company will only let you have DOC if you ask for it and your over 25 years old. Well i know its like that with Admiral Group.

    I wouldnt take that advisor word to be honest mate. May be best to call back an ask to speak to claims Underwritting. As i just spoke to our Claims Underwritting team (Admiral Group) They advised vehicle needs to be taxed, have mot, already be insured & registered owner giving you permission to use it. Ok you spoke to your insurance company but how you know that person giving you the correct information. I have to deal with complaints now and then were one of our advisors have giving the wrong information out to a policy holder. I personally wouldnt risk it



    A3Bash
    As already said thats called fronting and if caught will void his policy or if he has an accident and its his fault.
    His insurance company will claim all the money they spend on the claim off your mate.
    As by law they are able to do this. Its the same thing as if you dont tell your insurance company you got certain motoring convictions such as IN10, I dealt with one policy holder was being smart and said to the third party well you can claim but wont be able to claim against me as i've not told my insurance company about certain points. In the end we spent over £1k-£2k on each injury 1 driver 3passenger repair cost just under £1,600 and hire bill just under £800.

    If an insurance company expect the policy holder is not the person who uses the vehicle most of the time they will void the policy and charge you for what it would of cost for that person to be the policy holder.
    Last edited: Aug 25, 2010
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  33. Ads
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    Ads License to drive

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    [Aug 25, 2010]
    Listen to that man above, he knows :yes:


    Anyway, I need to set up new insurance for my girlfriend so just called NFU for a quote (i've heard of them before and to be fair they do get very good reviews in the insurance world for their fuss free policies/claims/etc)....

    Anyway, the person I spoke to confirmed that the other car needs to be taxed, mot'd AND insured before she will be covered third party on it.

    They were flippin' expensive too so I ended the call there.
    #32
  34. scottie123
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    scottie123 (●̮̮̃•̃) (●&# VCDS Map User

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  35. Ads
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    Ads License to drive

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    [Aug 25, 2010]
    :lmfao:
    #34
  36. steslatt
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    steslatt Member

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    [Aug 25, 2010]
    How else do you suggest i ask the question? I asked if the car had to be insured for me to be covered and they replied no.
    An insurance company cannot just decide not to pay out when the terms and conditions have not been broken, they have to pay out. If i used another car and had an accident, they would have to pay out. I have read the terms and conditions and nowhere does it say that the car has to be insured. They cant just add a clause after i have taken the policy. Any changes i would have to informed of.
    How can you not understand this? All insurance companies have there own terms and conditions just because on most policies you have the car has to be insured doesnt mean that it does on mine.
    At the end of the day, it doesnt matter what the insurance company say when i ring them, if i have the documents to prove it then they have to stick by it.
    Its like someone having fully comp insurance having a crash then the insurer saying oh we arent going to cover you for you car... they cant do that if its in your paper work and your not breaking terms, you ARE covered end of.
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  37. Ads
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    Ads License to drive

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    [Aug 25, 2010]
    Ok mate, if that's how you choose to see it then I wish you good luck and safe driving.
    #36
  38. adamss24
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    adamss24 Well-Known Member

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    [Aug 25, 2010]
    Here you go mate, it sais black on white on me certificate that i am covered yet i had to call them to make shure thats the case ! You are all wrong who nag... I also released a few impounded vehicles by the police due to lack of insurance or road tax, gues what its the insurance is valid ?!
    [​IMG]
    #37
  39. steslatt
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    steslatt Member

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    [Aug 25, 2010]
    THANK YOU :D
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  40. Ads
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    Ads License to drive

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    [Aug 25, 2010]
    :faint:
    Above, Benskin (who works for Admiral group - the company you are insured with) has explained what is what, after re-confirming it with their underwritting team. Ignore the rest of us, but at least listen to that.

    Otherwise, my wish of good luck and safe driving extends to you also. :thumbsup:
    #39
  41. auroan
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    auroan Active Member

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    [Aug 25, 2010]
    Ok so if it is right...... you do now what 3rd party means ? If you hit another car, the car your driving won't be covered for repairs etc.

    I don't know about anyone else... but there is no way on earth I would let anyone drive my car who isn't fully comp on it. Chasing a mate for £20 owed is difficult.... let alone chasing said mate for £15K to replace my car if he writes it off or something.
    #40

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