Insurance: Insured to drive any car?

D5 Monkey · Apr 12th, 2012, 16:31

Just a quick question, I think I know the answer but after some confirmation...

I remember for many years that there always used to be a line in fully comp insurance policies that stated the policy holder was insured to drive any vehicle not owned by or under hire purchase to the policy holder, with the owner's permission. (3rd party cover), this was always handy to keep you legal on the odd occasion that you had to test drive a private car or pick one up for a friend etc.

Out of interest does this still exist on anyones policy?, looking at mine for the past few years it looks to have dissapeared off the policies that I have been buying.....

Shame really as I could do with a bit of cover while I try to sell the wifes old car (test drives etc) and don't really want to fork out on a new policy for a car that's not worth much.

Marty Dolomite · Apr 12th, 2012, 16:36

It may not be on you policy as a lot of insurers have cut down on this. your best bet is to phone your insurer to ask, if they say yes than ask then to send you an ammended certificate that states that fact.
They may add driving any other car for a small fee.

A lot of people have been caught out by this in the last few years and had their cars impounded, been fined with recieved six points.

mrmeringo · Apr 12th, 2012, 16:36

It depends on your insurers, some do and some dont

charlotte001 · Apr 12th, 2012, 16:44

Quote:

Originally Posted by D5 Monkey

Just a quick question, I think I know the answer but after some confirmation...

I remember for many years that there always used to be a line in fully comp insurance policies that stated the policy holder was insured to drive any vehicle not owned by or under hire purchase to the policy holder, with the owner's permission. (3rd party cover), this was always handy to keep you legal on the odd occasion that you had to test drive a private car or pick one up for a friend etc.

Out of interest does this still exist on anyones policy?, looking at mine for the past few years it looks to have dissapeared off the policies that I have been buying.....

Shame really as I could do with a bit of cover while I try to sell the wifes old car (test drives etc) and don't really want to fork out on a new policy for a car that's not worth much.

To clarify : Your insurance has to specify that you are insured to drive other vehicles. Comprehensive insurance no longer gives automatic 3rd party liability. I've found this out because I was planning on using my 850s insurance policy on a V70 I'm borrowing over the coming weeks but it turns out my 850's policy does not permit 3rd party liability even though it's fully comprehensive.

d2k · Apr 12th, 2012, 16:56

my policy states im able to drive any car the owner gives me the keys too as long as both parties (myself & other car owner) both have currently running insurance policies...

on that understanding i can drive any other car on a 3rd party basis...

im with ecar.. (have to be over 31 though)

Moosejaw · Apr 12th, 2012, 17:00

It's on mine, but what catches a lot of people out is that the other car has to have an insurance policy on it as well for the 3rd party cover to apply.

D5 Monkey · Apr 12th, 2012, 17:07

Quote:

Originally Posted by d2k

my policy states im able to drive any car the owner gives me the keys too as long as both parties (myself & other car owner) both have currently running insurance policies...

on that understanding i can drive any other car on a 3rd party basis...

im with ecar.. (have to be over 31 though)

Quote:

Originally Posted by Moosejaw

It's on mine, but what catches a lot of people out is that the other car has to have an insurance policy on it as well for the 3rd party cover to apply.

Ah! fair enough, even if I had got a policy with this cover I wouldn't be able to drive the wife's old car without insuring it anyway. Guess I'll just have to get a short policy on it, or say no test drives......

shark90 · Apr 12th, 2012, 17:13

Just to add to this, if you do have cover to drive other vehicles it usually excludes your spouse's vehicle, so double and treble check if anyone is thinking about using the driving other vehicles benefit.

d2k · Apr 12th, 2012, 17:18

Quote:

Originally Posted by shark90

Just to add to this, if you do have cover to drive other vehicles it usually excludes your spouse's vehicle, so double and treble check if anyone is thinking about using the driving other vehicles benefit.

balls.......

i was planning on doing this with my partners car, that will really put a downer on me using the diesel for work & the T5 for smiles!!

zoidberg · Apr 12th, 2012, 17:31

Or you could ask a friendly member with a traders policy to put it on the database.

Apr 12th, 2012, 16:31	#1
D5 Monkey Gone and forgotten Last Online: May 29th, 2018 11:58 Join Date: Dec 2004 Location: The great north View Photos By: D5 Monkey	Insurance: Insured to drive any car? Just a quick question, I think I know the answer but after some confirmation... I remember for many years that there always used to be a line in fully comp insurance policies that stated the policy holder was insured to drive any vehicle not owned by or under hire purchase to the policy holder, with the owner's permission. (3rd party cover), this was always handy to keep you legal on the odd occasion that you had to test drive a private car or pick one up for a friend etc. Out of interest does this still exist on anyones policy?, looking at mine for the past few years it looks to have dissapeared off the policies that I have been buying..... Shame really as I could do with a bit of cover while I try to sell the wifes old car (test drives etc) and don't really want to fork out on a new policy for a car that's not worth much. __________________ _____________________________________________ My Photos on Flickr

Apr 12th, 2012, 16:56	#5
d2k Senior Member Last Online: Sep 6th, 2015 15:44 Join Date: Dec 2011 Location: Norfolk	my policy states im able to drive any car the owner gives me the keys too as long as both parties (myself & other car owner) both have currently running insurance policies... on that understanding i can drive any other car on a 3rd party basis... im with ecar.. (have to be over 31 though) __________________ 2002 Volvo S60 T5 SE

Apr 12th, 2012, 17:13	#8
shark90 Shark Performance Last Online: May 25th, 2020 21:06 Join Date: Feb 2012 Location: Mansfield	Just to add to this, if you do have cover to drive other vehicles it usually excludes your spouse's vehicle, so double and treble check if anyone is thinking about using the driving other vehicles benefit. __________________ Shark Performance - Tuning Redefined w: www.sharkperformance.co.uk e: sales@sharkperformance.co.uk t: 01623 332233 10% off remaps and vehicle servicing to VolvoForums members

Apr 12th, 2012, 16:36	#2
Marty Dolomite Premier Member Last Online: Jun 7th, 2024 21:06 Join Date: Dec 2011 Location: Southampton	It may not be on you policy as a lot of insurers have cut down on this. your best bet is to phone your insurer to ask, if they say yes than ask then to send you an ammended certificate that states that fact. They may add driving any other car for a small fee. A lot of people have been caught out by this in the last few years and had their cars impounded, been fined with recieved six points.

Apr 12th, 2012, 16:36	#3
mrmeringo Tommy Meringo Last Online: Jun 28th, 2020 16:04 Join Date: Mar 2011 Location: Liverpool View Photos By: mrmeringo	It depends on your insurers, some do and some dont

Apr 12th, 2012, 17:00	#6
Moosejaw Premier Member Last Online: Jun 29th, 2012 19:44 Join Date: Aug 2008 Location: Glasgow	It's on mine, but what catches a lot of people out is that the other car has to have an insurance policy on it as well for the 3rd party cover to apply.

Apr 12th, 2012, 17:31	#10
zoidberg Master Member Last Online: Jul 28th, 2023 17:19 Join Date: Jan 2012 Location: batley	Or you could ask a friendly member with a traders policy to put it on the database.

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