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🏴󠁧󠁢󠁳󠁣󠁴󠁿X260 R-Sport in Aurora Red
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Discussion Starter #1
my insurance is up at the end of the month and found to my surprise that my current comprehensive policy doesn’t include driving other cards third party, I seem to recall all my previous policies allowed this and thought this was standard?
perhaps now it‘s not included as a way to seem cheaper?
Anyway looking at all major competitors through site comparisons and a few that are not, they all say you might be covered but check your policy document. Again I’m sure this was an option before you bought and you could peruse the document before you bought.
All I seem to get now is a general policy wording doc and check your policy document which of course I don’t have.
short of phoning them all , groan, anyone else came across this?
i want to include other cars on my policy so I can drive my sons car.
Have I gone mad?.....
don’t answer the last part!
 

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my insurance is up at the end of the month and found to my surprise that my current comprehensive policy doesn’t include driving other cards third party, I seem to recall all my previous policies allowed this and thought this was standard?
perhaps now it‘s not included as a way to seem cheaper?
Anyway looking at all major competitors through site comparisons and a few that are not, they all say you might be covered but check your policy document. Again I’m sure this was an option before you bought and you could peruse the document before you bought.
All I seem to get now is a general policy wording doc and check your policy document which of course I don’t have.
short of phoning them all , groan, anyone else came across this?
i want to include other cars on my policy so I can drive my sons car.
Have I gone mad?.....
don’t answer the last part!
Not all policies cover the use of other cars, details of cover will be on the insurance certificate
 

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It is something that is disappearing from many policies.
 

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

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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.
 

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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.
 

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🏴󠁧󠁢󠁳󠁣󠁴󠁿X260 R-Sport in Aurora Red
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Discussion Starter #7
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?
 

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🏴󠁧󠁢󠁳󠁣󠁴󠁿X260 R-Sport in Aurora Red
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Discussion Starter #8

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🏴󠁧󠁢󠁳󠁣󠁴󠁿X260 R-Sport in Aurora Red
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Discussion Starter #9
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?
 
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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.
 

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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?
They excluded this one while increasing the price last year. Used to be standard.
 

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They excluded this one while increasing the price last year. Used to be standard.
From a friends experience, even if you are "covered", the insurance company will find every excuse under the sun not to pay out on a claim.
I don't remember the full details of the incident but have no reason to doubt he told me the truth.
Given that he had an excess to pay and the cost in time spent trying to get compensation meant that eventually he gave up and the insurance company had "conned him" (his words).
Again, he went elsewhere when renewal time came.
 

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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.
 

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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).
 

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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?
Then it’s the laborious check through the T&C’s 🤣
 

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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.
 

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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.
 
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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.
 

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