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me and my hubby are both insured fully comp but are not named drivers on any other policy apart from our own, i want to drive his car today can i do this as a fully comp driver or do i have to be name…
pinkshaz Avatar
7y, 7m agoPosted 7 years, 7 months ago
me and my hubby are both insured fully comp but are not named drivers on any other policy apart from our own, i want to drive his car today can i do this as a fully comp driver or do i have to be named on his policy thanks all :-)
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pinkshaz Avatar
7y, 7m agoPosted 7 years, 7 months ago
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banned#1
No 3rd party only
Yes named to get fully comp
#2
You need to look at your policy to see if you can drive other cars 3rd party only or comprehensive.
#3
i thought as long as i was fully comp i would be able to drive it! i have lots to get today and mine is small kia picanto so no boot space really! thanks
#4
garbage456
you have to be a named driver, you cant just drive any car on policy as some places dont offer this, plus you will only be 3rd party.


RUDOLF
No 3rd party only
Yes named to get fully comp


Not the case guys. Each policy is different so may already have fully comp to drive other cars.
#5
garbage456
you have to be a named driver, you cant just drive any car on policy as some places dont offer this, plus you will only be 3rd party.


i got caught out by this as well, as i was fully comp i thought it automatically allowed me to drive another car as 3rd party, i couldnt as my policy didnt have this option.
#6
right here goes i just checked my policy and it says read section 5
the policyholder may also drive with consent of the owner a private motor car not belonging to him/her and not hired to him/her under a hire purchase agreement.
provided that the person driving holds a license to drive the vehicle or has held and is not disqualified from holding or obtaining such a license!
i wish it just said yes or no! :)
#7
garbage456
are not named drivers on any other policy apart from our own

then
you said
or do i have to be named on his policy thanks all

yes what i meant was we both have seperate cars with our own policies and we are not named on any other policies or each others.
#8
Yup, ring up your insurers and ask. If you are not allowed then they can sort it out on the spot. P.S deppending on how old you both are, If you both become named drivers on each other's car, then BOTh your premiums can come down.
banned#9
kyalion
Not the case guys. Each policy is different so may already have fully comp to drive other cars.

You cannot have fully comp to drive other cars its reduced to 3rd party onl. Unless you have dealer insurance the cost would be shed loads.
1 Like #10
wulshaz
right here goes i just checked my policy and it says read section 5
the policyholder may also drive with consent of the owner a private motor car not belonging to him/her and not hired to him/her under a hire purchase agreement.
provided that the person driving holds a license to drive the vehicle or has held and is not disqualified from holding or obtaining such a license!
i wish it just said yes or no! :)


yeh you can drive your partners car, but check wether comp or 3rd party coverage
#11
milewide
yeh you can drive your partners car, but check wether comp or 3rd party coverage


thanks :thumbsup:
#12
RUDOLF
You cannot have fully comp to drive other cars its reduced to 3rd party onl. Unless you have dealer insurance the cost would be shed loads.


probably right there as who is to say you you might get hold of a really expensive car and wreck it.

Best option is just to get each other put on as named drivers on each others policy, it wont cost much more especially if you have good no claims are of a reasonable age and havent had to many accidents.
#13
wulshaz
right here goes i just checked my policy and it says read section 5
the policyholder may also drive with consent of the owner a private motor car not belonging to him/her and not hired to him/her under a hire purchase agreement.
provided that the person driving holds a license to drive the vehicle or has held and is not disqualified from holding or obtaining such a license!
i wish it just said yes or no! :)


That's a YES. Need to make sure if it's 3rd party or fully comp.
#14
RUDOLF
You cannot have fully comp to drive other cars its reduced to 3rd party onl. Unless you have dealer insurance the cost would be shed loads.


Again, not the case. I see plenty of insurance policies that DO allow some to drive other peoples' cars fully comp.
#15
I love this thread :) It's essentially

"I don't know what car insurance cover I have so, rather than look at my policy, I'll ask a bunch of strangers on the Internet who can't possibly know."

Anyway, as a general rule, SOME policies allow you to drive other cars with the owner's permission. But this will only ever be with 3rd Party cover and if you're over 25.

But read your policy and, if you don't understand it, ask your insurance company! They are the only people who can tell for sure.
#16
kyalion;6025287
Again, not the case. I see plenty of insurance policies that DO allow some to drive other peoples' cars fully comp.


That sounds very unusual. So you have a Renault 5 but you're allowed to drive your mate's Aston Martin fully comp?
#17
rdwarr
That sounds very unusual. So you have a Renault 5 but you're allowed to drive your mate's Aston Martin fully comp?


Would you honestly insure a Renault 5 fully comp ?
banned#18
wulshaz
right here goes i just checked my policy and it says read section 5
the policyholder may also drive with consent of the owner a private motor car not belonging to him/her and not hired to him/her under a hire purchase agreement.
provided that the person driving holds a license to drive the vehicle or has held and is not disqualified from holding or obtaining such a license!
i wish it just said yes or no! :)




You are are right BUT 3rd party only.................you need to check or take the risk at your peril
banned#19
kyalion
Again, not the case. I see plenty of insurance policies that DO allow some to drive other peoples' cars fully comp.


Name them as loads of people would love that........................ me I would:thumbsup:
banned#20
kyalion
Again, not the case. I see plenty of insurance policies that DO allow some to drive other peoples' cars fully comp.


Just tried three on line insure comparison sites none can offer what you say 3rd party only to drive other cars.
#21
RUDOLF
Name them as loads of people would love that........................ me I would:thumbsup:


I'll photocopy some service customers' when they're next in, just for you.
#22
Just a tip for the OP ,Next toime you renew your insurance policies ask how much it is to put your spouse on as many times it actually works out cheaper than if you are the sole driver :thumbsup:
#23
tonyg1962
Just a tip for the OP ,Next toime you renew your insurance policies ask how much it is to put your spouse on as many times it actually works out cheaper than if you are the sole driver :thumbsup:


That's right, when I took my wifes name off my policy it put the premium up because being female she was considered a lower risk than me. So on next renwewal I put my twin sister on and that put the premium up. Seems you just can't win.

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