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Apparently, I can drive someone else’s car (with exceptions, such as a car I am buying on HP) on my fully comp policy. Suppose a rich pal lent me his Ferrari, and his insurance covered only him, not “any driver”. If I tail-ended a Rolls-Royce – my fault entirely – would my insurance cover (a) repairs to the Rolls, but not the Ferrari (“third party” cover), (b) repairs to both cars (on a “fully comp” basis), or would my insurance be only basic “RTA” cover – damages for the whiplash sustained by the Rolls driver?
Further, if my pal’s policy on his Ferrari had just expired, and I parked it on the road and went into a shop, would there be no cover on it at all so that (1) an offence (untaxed car on the highway) was committed and (2) if I forgot the handbrake so that it rolled downhill into a bus queue causing injury, would my insurers pay the resulting damages claims?

Answers from those with knowledge, rather than speculation, please. I'm in the UK, so the rules elsewhere won't apply

2006-11-15 21:35:19 · 8 answers · asked by andrew f 4 in Cars & Transportation Insurance & Registration

8 answers

If your policy covers you to drive any persons car not belonging to you then your covered as long as it's a friend and not a family member. My girlfriend found this out for me 5 weeks ago when she drove my Noble M12 into a tree, then went to claim on her insurance and was told she only had 3rd party cover. She was also told that no ordinary policy would cover her for anything that powerful so if it were a Ferrari you may have difficulty claiming on the policy. Legally you are covered on paper but if you had an accident it may be a different matter.

2006-11-16 12:17:05 · answer #1 · answered by Bealzebub 4 · 0 0

>If I tail-ended a Rolls-Royce – my fault entirely – would my insurance cover (a) repairs to the Rolls, but not the Ferrari (“third party” cover), (b) repairs to both cars (on a “fully comp” basis), or would my insurance be only basic “RTA” cover – damages for the whiplash sustained by the Rolls driver?

Your insurance will only pay out for the person you hit including damage to their car and any injuries. Your pals car would not be paid for. They would have to either claim off their own insurance (if they can) or make you personally pay.

>Further, if my pal’s policy on his Ferrari had just expired, and I parked it on the road and went into a shop, would there be no cover on it at all so that (1) an offence (untaxed car on the highway) was committed and (2) if I forgot the handbrake so that it rolled downhill into a bus queue causing injury, would my insurers pay the resulting damages claims?


If you park the car outside a shop and have not handed the keys back to the owner you are still incharge of the car.
You say untaxed car but also state policy ran out. If its got no car tax then any insurance would be invalid so will not pay out. If its insurance ran out then its depends on what your policy stipulates the car you have borrowed needs for example:-
Most policies which allow you to drive other cars insist the car is insured by its owner. However a few do not require this and will insure the car on your policy on a third party only basis. If in any doubt you must ask your insurer what the policy requirements are.
So if your insurance needs car to be insured then no they will not pay out but if its the latter then yes they will but will try to wriggle out first.

2006-11-16 04:41:15 · answer #2 · answered by sonic 4 · 0 0

2

2016-08-30 17:17:12 · answer #3 · answered by Noemi 3 · 0 0

It woudl depend upon the precise wording of your policy but usually you are insured to drive other cars, with consent, third party. So your insurance would pay out for the damage to the Rolls (and the driver's whiplash) but not the ferrari. Third party cover basically covers you for damage you do to someone else, but NOT damage to the car you are driving.

As to your second question, if the car is not taxed, then it is not taxed. If your friend forgets to renew his insurance, then the car itself is uninsured, so you can not legally drive it even under your own policy, as the car must have insurance which attached specifically to it. So your friend (and possibly yourself) could be done for driving without insurance.

If you leave the handbrake off, then I believe your insurance company would be responsible as you were "in charge" of the vehicle at the time.

2006-11-15 21:46:45 · answer #4 · answered by Anonymous · 0 0

The cover to drive someone elses car with owners permission is in case of emergency i.e. your friend being taken ill or if your friends car is blocking yours in and needs moving, it's not carte blanch to drive any car you like. Although the car is in your care, if it was damaged while you was in the shop the car is not covered. I take it you have never had to deal with a insurance company for anything over than getting cover?
Insurance companies are there for the sole purpose of making profit and they will do anything they can to avoid paying out.
The any other car clause is a very grey area, you can talk to different companies and the staff will have a different view as to what it means, but when it boils down to making a claim you will find they will find a reason not to pay and leave you in trouble.
It's much better to make sure you are covered for the car you own and stick to driving it.

2006-11-15 21:53:02 · answer #5 · answered by Kyle 2 · 0 0

Be very carefull , the laws are changing on this kind of thing happening ,
There where cases where people where buying an old car ( fiesta / corsa / something small and registering it in their partner`s name ) and getting insured fully comp on it , and then driving high performance cars on the" insured to drive any motor car "clause .
policy`s are now worded so that high performance cars are excluded from cover or even in some policy`s they say no car over the amount of £10,000 (this is based on insuring a small car) if the car you where insuring is worth more than this ( say 15,000 ) then they would cover you to drive car`s upto the value of £20,000 , But the law is changing every day so i would be very carefull if you came into this situation !

2006-11-15 22:49:09 · answer #6 · answered by charlotterobo 4 · 0 0

yes but certainly from my experience, your fully comp insurance will only provide third party on cars owned by other people. So be careful. The comprehensive cover will only apply to you & the car that you personally covered.
Also you must always be driving with the owners consent. So if your pal Michael didn't give permission for you to go near his Farrari, you are in trouble.
Basically in another vehicle, even with the owners consent, you are covered third party only with your insurance.
If your pal has fully comp, any driver, it's a different matter - you're covered if you have a license to drive & it is with his consent.

2006-11-15 21:43:39 · answer #7 · answered by frankobserver 3 · 0 0

if you have D O C (driving other cars) on your policy then your insurer actually only covers you to drive someone elses car with their knowledge and it will only be on a third party basis, which means any damage that you caused in that car would have to be paid for by you NOT the person who owns the car you were driving, not your insurer. if the car is not insured and you park it on the street forgetting to put on the handbreak and it causes damage to anyone or anything then 1. you aand he are breaking the law by driving it in the first place. I am not sure who would pay for the damage eithe you or him or both of you.

2006-11-15 22:21:07 · answer #8 · answered by honey 3 · 0 0

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