fully comp not covered

[slimlfc68]

dont know if this been posted already but here goes fully comp insurance meant you could drive your mates or any other car with their permision .
but recent renewels and future ones you r not covered to drive and not insured ,so you will get points and the car impounded and i think crushed . anyone else heard of this or am i the last to know again.:nenau

 

[Peasgood]

It has always been that you could drive a car not belonging to you, provided that car was insured by someone else (for them to drive).
There are policies now that don't have this in them.
Basically you need to check the wording of your policy.

 

[tezzer]

watch the wording, ie any other "motor car" or "motor vehicle", car means just that, not a van or camper van, "vehicle" was phased out years ago although i do know some companies still use it, motor vehicle is almost any thing you have a licence for, been there, had the tee shirt, now got motor traders policy. :thumb2

 

[(RIP) PLANK]

it is the done thing now on commercial vehicles, no driving of oher vehicles, and some companies are adding it at extra cost

To be honest it's a pain in the arse as in means you can't even move a car on and off your drive unless your named on the policy

 

[Deleted account DD]

Theres never been an automatic right to be covered for any motor vehicle(s) other than the one on the schedule of cover .

Its like the alleged 14 days that you were allowed to be without car tax.

Urban myth.

As Peasgood says, always check the wording of the policy :thumb2

 

[lacroupade]

Theres never been an automatic right to be covered for any motor vehicle(s) other than the one on the schedule of cover .

Its like the alleged 14 days that you were allowed to be without car tax.

Urban myth.

As Peasgood says, always check the wording of the policy :thumb2

Policy? What policy? :lol:lol:lol:lol:lol:lol

Joke!

 

[The Patrolman]

I have always had this on my policies since 1990 when i insured my first car fully comp for£185.
This is the first year I have not been covered due to getting Motability for my youngest and that policy is for wife n me only on that car, My mate now has our Audi A6 on loan and insures that, My policy on the Troll is a specialist policy that only covers me n the wife on the Troll!!!
It's a pain, as it was a fail safe if company forgot to insure the van, I was covered!!
When i drove my mate MR2 to london we got pulled at leeds ANPR flagged no insurance, but as i was covered to drive any other vehicle 3rd party we went on our way!!

 

[paulp]

insurance

i also have fully comp and i cannot drive another vehicle that does not belong to me

i was told that this is bcos it is an import

paulp

 

[lacroupade]

I have always had this on my policies since 1990 when i insured my first car fully comp for£185.
This is the first year I have not been covered due to getting Motability for my youngest and that policy is for wife n me only on that car, My mate now has our Audi A6 on loan and insures that, My policy on the Troll is a specialist policy that only covers me n the wife on the Troll!!!
It's a pain, as it was a fail safe if company forgot to insure the van, I was covered!!
When i drove my mate MR2 to london we got pulled at leeds ANPR flagged no insurance, but as i was covered to drive any other vehicle 3rd party we went on our way!!

But I was under the impression that was only legit if the other vehicle was itself insured as well?

Even if thats not the case (and I thought it was) under the new rules that I've been whinging about this won't be possible anyway any more, because any vehicle with no insurance has to be SORN'd and therefore cannot be legally on the road under any circumstances:doh

EDIT: googled a bit and this does seem to be the default position, i.e. the other vehicle still also needs to be insured in its own right as well....

http://www.life-assurance-bureau.co...r-Am-I-insured-to-drive-someone-elses-car.htm

 

[(RIP) PLANK]

years ago i used to hire out any old 'part x' cars we got in. on a sor of 'rent a wreck' basis. We used to get customers to bring their insurance policy and call the insurers up and see if they were covered, on a fully comp policy we never found one who wasn't. The wording read somehting like 'not belonging to you or hred to you under a hire-purchase agreement' the cars we renete dhad no other insurance and we made that clear - but that was the mid to late 80's

Thinking about it, a car needs to be insured just to be parked in a pulbic place (including car parks and any other area accesible to the public) so if you parked the car and got out, and someone fell over it and their head fell off, they could sue you!

So while it makes logical snese that the car must be insured elswehre, in practice no insurance company ever refused cover, though, as i said, you might be coverd to drive, not to park it or leave it anywhere!

 

[lacroupade]

years ago i used to hire out any old 'part x' cars we got in. on a sor of 'rent a wreck' basis. We used to get customers to bring their insurance policy and call the insurers up and see if they were covered, on a fully comp policy we never found one who wasn't. The wording read somehting like 'not belonging to you or hred to you under a hire-purchase agreement' the cars we renete dhad no other insurance and we made that clear - but that was the mid to late 80's

Thinking about it, a car needs to be insured just to be parked in a pulbic place (including car parks and any other area accesible to the public) so if you parked the car and got out, and someone fell over it and their head fell off, they could sue you!

So while it makes logical snese that the car must be insured elswehre, in practice no insurance company ever refused cover, though, as i said, you might be coverd to drive, not to park it or leave it anywhere!

Yes I am minded to think the rozzers who stopped Patrolman weren't that clued up, luckily for him!

 

[jace]

even traders policys are getting strict about "bailing out" cars seized for no ins etc

 

[walshie]

I can only talk from personal experience, but for me I was not covered to drive any other car 3rd party even though I had my own fully comp insurance until I turned 25, at which point I gained the privilege. (real pain the arse meaning you have to be a named driver at huge annual expense just to move your parents cars off the drive)

The statement you have to look for on the policy is something like "cover to drive other cars not covered by this policy is cancelled" - that used to plastered all over my policies, until 25 then I could get a policy with cover - don't think it's a given on any policy though, best to check the small print!!

 

[BigBlack]

With NFU I cant drive any other vehicle. Insurance in my name, me as owner of vehicle, but missus as the main driver of the T2 (cheaper!!!:augie) With my policy she can drive any other car 3rd party as long as its insured and not owned by her!

Doesnt bother me as I also have a company car... plus it stops her asking me to take her other car to the garage to fill it up or pump the tyres up!!!

 

[spinna]

Ive found it depends on each policy. My Fully comp policy on astra covers me to drive other peoples motors so long as they are insured but ive had third party fire and theft policies in the past which have given me same cover. I always check small print for this cus you never know when you may need to use some one eles motor.

 

[(RIP) PLANK]

Question: If you have a limited mileage policy, how do they know how many miles you have done?

I know your MOT recordes it each year, but thousands of people insure cars they haven't had for a year or sell them part way through the MOT year.

And, as this thread says, if someone else has a policy that covers it they can drive your vehicle. So if I had a limit of 4000 miles a year, but lent my T2 to Lacroupade twice in that year for a trip to France, and he clocked up 5k miles on those trips, the car couls have covered 9k miles in ayear but i have driven less than 4K.

so again - how would they know?

 

[lacroupade]

Question: If you have a limited mileage policy, how do they know how many miles you have done?

I know your MOT recordes it each year, but thousands of people insure cars they haven't had for a year or sell them part way through the MOT year.

And, as this thread says, if someone else has a policy that covers it they can drive your vehicle. So if I had a limit of 4000 miles a year, but lent my T2 to Lacroupade twice in that year for a trip to France, and he clocked up 5k miles on those trips, the car couls have covered 9k miles in ayear but i have driven less than 4K.

so again - how would they know?

its one of those things I suppose they file under 'just in case we need it' so they can screw you on a claim - and what happens if you overdeclare, refund in the post? Nooooooo!

 

[(RIP) PLANK]

its one of those things I suppose they file under 'just in case we need it' so they can screw you on a claim - and what happens if you overdeclare, refund in the post? Nooooooo!

or in case you are to daft to have prepared a decent alibi :augie

 

[Deleted account DD]

The main way theyll catch you out is if the car falls into their hands say during a claim or written off and their engineer starts filling in the myriad of forms.

Dont forget , were theres an excuse theres no pay out

 

[(RIP) PLANK]

The main way theyll catch you out is if the car falls into their hands say during a claim or written off and their engineer starts filling in the myriad of forms.

Dont forget , were theres an excuse theres no pay out

but as i said, there is no proof exept the mot milage and that only proves the milage the vehicle has covered, not the ilage your have driven it on your insurance policy :nenau

i'm not recomending that people tell lies, that is the way to end up in big trouble, just wondering how they would prove it, unless of course you just admited you had done more.