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    car question

    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 :-)

    23 Comments

    Banned

    No 3rd party only
    Yes named to get fully comp

    You need to look at your policy to see if you can drive other cars 3rd party only or comprehensive.

    Original Poster

    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

    garbage456;6025175

    you have to be a named driver, you cant just drive any car on policy as … 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;6025178

    No 3rd party onlyYes named to get fully comp



    Not the case guys. Each policy is different so may already have fully comp to drive other cars.

    garbage456;6025175

    you have to be a named driver, you cant just drive any car on policy as … 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.

    Original Poster

    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!

    Original Poster

    garbage456;6025184

    are not named drivers on any other policy apart from our ownthenyou … are not named drivers on any other policy apart from our ownthenyou saidor 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.

    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

    kyalion;6025186

    Not the case guys. Each policy is different so may already have fully … 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.

    wulshaz;6025212

    right here goes i just checked my policy and it says read section 5the … right here goes i just checked my policy and it says read section 5the 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

    Original Poster

    milewide;6025251

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



    thanks :thumbsup:

    RUDOLF;6025235

    You cannot have fully comp to drive other cars its reduced to 3rd party … 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.

    wulshaz;6025212

    right here goes i just checked my policy and it says read section 5the … right here goes i just checked my policy and it says read section 5the 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.

    RUDOLF;6025235

    You cannot have fully comp to drive other cars its reduced to 3rd party … 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.

    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.

    kyalion;6025287

    Again, not the case. I see plenty of insurance policies that DO allow … 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?

    rdwarr;6025361

    That sounds very unusual. So you have a Renault 5 but you're allowed to … 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

    wulshaz;6025212

    right here goes i just checked my policy and it says read section 5the … right here goes i just checked my policy and it says read section 5the 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

    kyalion;6025287

    Again, not the case. I see plenty of insurance policies that DO allow … 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

    kyalion;6025287

    Again, not the case. I see plenty of insurance policies that DO allow … 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.

    RUDOLF;6025392

    Name them as loads of people would love that........................ me I … 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.

    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:

    tonyg1962;6025747

    Just a tip for the OP ,Next toime you renew your insurance policies ask … 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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