Not all policies cover the use of other cars, details of cover will be on the insurance certificate

 

Yeah I know, but wasn’t it always?
But my point is i can’t see my insurance certificate if I don’t have one?

 

It is something that is disappearing from many policies.

 

Could well be, so a warning to all

 

I've noticed this and it's not disclosed when purchasing the policy, only once you get sight of the insurance certificate.

 

Which makes it pointless as I can’t see the insurance certificate on a quote but used to in the past?

 

We offer this for drivers over 25 but you do have to request this cover extension when you take the policy out (it’s free). It is intended to only be used in emergencies rather than all the time and the other cars have to be insured in their own right separately - that’s always been the case.

 

If you go to the Insurers own website you should be able to see policy wording, pretty sure it's what I did. They have to make clear before purchase what you are buying.

 

A long time ago I had insurance from Privilege that didn't include driving other cars. A nasty surprise when I read the policy. They lost my business for life.

 

I am glad Gav brought this up. I had no idea, It is worth telling family and friends to also check. I have noticed each year insurers are sneakily removing things from policies.

 

All good advice. I asked my broker about being able to drive a car home I was purchasing for my daughter, if we didn't actually officially complete the sale until I got it home. That's when I was advised the "drive other people's cars with their permission" is really only as a last resort and for "emergency" situations - it isn't really worth much in the case of a claim, but it does keep you legal (as long as the vehicle is also insured by the owner).

 

Yeah my last policy didn't have cover for other cars.

The only car I ever drive regularly is my partner's Clio, but I have her keep me on there as a named driver as it's a much better way of being covered than relying on third party cover on your own insurance.

 

My XFR-S policy has cover for any other car. Because it's with a specialist insurer they said it literally covers me for anything, fully comprehensive too, not just third party.

 

Why did you need a specialist insurer?

 

As long as that car is insured Chris?

Direct Line recently upped my Excess to £700 because I added the tuning box.
It was £350.

They didn’t tell me that was the case when I added it. I spotted it on the new schedule.

It’s always worth reading the small print on every policy you own.

They currently have House and three cars insured.

Needless to say DL will not be getting any more business from me.

 

That's a given. The car needs to be insured with any "right to drive other vehicles" policy.

 

Just checked my LV "Multicar" policy and this is highlighted:

Driving other cars
Only the policyholder and Mrs P
Cook can drive a private vehicle
with the owner's permission
while in the UK, the Isle of Man
and the Channel Islands. (this
doesn't include vehicles owned
or registered by or hired to either
of you under a hire purchase
agreement). The cover is for third
party only – loss or damage to
the vehicle you’re driving isn’t
covered.

 

Third Party is a pretty meaningless level of cover.

If you are driving someone else’s car, and you have a prang (your fault or not), and you only have third party cover, you may as well call Ghostbusters for all the good it will help.

 

If an accident is not your fault, the third parties insurance will cover the cost of repair

 

I eventually got fed up and went with admiral for £240 fc and it does allow me to drive other vehicles third party.

 

It was admiral that removed other cars from my policy (muti-car) for last renewal. I couldn’t find a better price and I was in rush. However, I changed where I keep the car over night from my garage to drive way and that dropped the price about £250😳😂
That eliminated my 0.5% doubt that no matter what I do, they find a way to increase the cost each year. Even though I never had a claim so far.

 

That is a good price, mines include ncb protection legal protection too

 

With Admiral Gav?

 

Not quite a Jaguar but I have just entered details of my car, a FFRR 3.0TD, into about 5 websites and one thing struck me.
Through Money Supermarket I was quoted £381, with quote from Saga. This included legal cover and NCB of 15 years and my wife as named additional driver.
I then put exactly the same details into the Saga website and they quoted £384.
I know it's only £3 but if anything, I would have thought the quotes would be round the other way?
Does anyone have any "experience" with saga, good or bad?

 

Does anyone have any "experience" with saga, good or bad?

I got quotes from them once, forever getting marketing crap from them.

 

Figures, lol.

She's a game old gal, your grandma.

(Edit - not that I have any personal knowledge)

 

Been pushing up daisies for 20 years lol

 

Is there a law which states you can't insure your car for a deceased driver? I insured a non-existent car for a couple years just to retain a NCD some years back... The car had been scrapped years ago.

 

Lol, I have no idea, i guess it may get you a certificate of insurance, but should you need to make a claim, i wouldn’t hold your breath

 

Always got the best insurance deal from a local independant broker, they have to be better than the internet to stay in business!

 

I find most brokers answer minor questions purposely wrong to knock the price down.
However people that use them get away for smaller claims.

 

Is MultiCar not a way to hook you into expensive renewals?

One policy expires today for example - and rises £200, but your wife's car doesn't renew until October say - and if you cancel your policy - then the wife's adjusted premium goes up (probably by £200).

As ever, the insurers are counting on you not being bothered to go to the effort to go hunting for a better price.

Convenience and loyalty come at a price.

 

A few years ago I got rear-ended in the XF while under Saga insurance. They were very good during the claim which clearly was "no fault".
Strangely, when the renewal came through, it had increased . . a lot! Who'd have thought? I swapped.

 

A few years ago I got rear-ended in the XF while under Saga insurance. They were very good during the claim which clearly was "no fault".
Strangely, when the renewal came through, it had increased . . a lot! Who'd have thought? I swapped.

are we back to dogging ,?

 

Just did a Compare on the Meerkat site and the XF with towbar and Tunit has come back at £295 + £250 excess with Admiral or Elephant (same Group).
Direct Line this year was just under £400 with a (now) £700 excess for the noted modifications.

The only draw with DL is the £40 Greenflag Recovery, which would cost me £280 direct - (EU plus two cars)
I need to be recoverable from Ireland, which requires EU cover, plus with DL, eldest's Mini gets covered as well.

Decisions, decisions...

Let's hope for our Scottish members, they stay united, have you seen the costs for breakdown cover outside of the EU?.....

 

and I never did....except when cleaning it

 

I don’t have scheduled timing and tbh even if I did I doubt I’d use it, as when I was travelling to work my departure time could vary quite a bit. I’d much prefer on demand

 

I've not absorbed it fully, Gav ,however I believe it takes advantage of the hybrid battery and charging facility....something that I WILL be using