I was thinking of getting 3rd party insurance on a cheap car, and driving my parents Mercedes, which has fully comprehensive insureance. I'm not bothered about weather it covers the costs if I damage it, just as long as the police don't stop me.
2007-04-04 10:06:25 · 23 answers · asked by Jaydon 2 in Cars & Transportation ➔ Insurance & Registration
If your parents have "full coverage" on their insurance, then anybody driving their car (with their permission) is covered... unless this other driver is a member of their household. In other words, if you do NOT live with your parents, you are OK for occasional driving. If you live with your parents, you need to be an "additional insured" on their policy.
Now, if you do not live with your parents and have full coverage on another car, it's OK for you to OCCASIONALLY drive any car (your full coverage insurance goes with you to any car, even a rental.)
2007-04-04 10:20:13 · answer #1 · answered by Anonymous · 0⤊ 1⤋
Like it has been said by newgran, you used to be able to insure yourself on a small car fully comprehensive and drive other peoples cars with their permission, but since 2006, almost every insurance company has changed their policy because people were doing exactly what you're trying to do.
My insurance company (Admiral) will only let you drive other peoples cars if you're over 25 years old.
What you really need to do is call up your parents' insurance company and see if you're covered by them. If not, find out how much it would cost to add you as a named driver.
Direct Line will also give named drivers their own no claims bonus as well, so that's worth thinking about. Make sure you read the small print though, becuse I have an idea that the Direct Line NCB is non-transferrable to other companies.
2007-04-05 00:35:17 · answer #2 · answered by Ellis P 1 · 0⤊ 0⤋
First you need to look at your parents' insurance to ensure there is no clause stating that only those 'over' a certain age will be covered by their insurance. Next, yes, your insurance should cover you to drive another car but, if that car is fully comp, it becomes 3rd party, as with any car that is fully comp, as soon as another driver not on the insurance certificate, takes to the wheel. I assume you also are aware that you cannot drive ANY car that is not insured. You may be insured, but if the car isn't, you could be in trouble.
Enjoy the merc.
2007-04-04 12:23:57 · answer #3 · answered by Curious39 6 · 0⤊ 0⤋
There are 2 trains of thought on this.
1. If you own your own vehicle and have it insured comprehensively and it states on your certificate of insurance that you are covered "to drive any vehicle not owned by you or leased to you under a hire purchase agreement", then theoretically as the Mercedes is not owned by you but by your parents, if you had an accident, you should be covered 3rd party.I said theoretically because if the insurers can prove that the Merc is your main means of transport, they will use every argument to get out of covering you in an accident. Rightly so too.
2. The other argument is that this clause is only put on the certificate so that should an emergency arise, ie. your parents need you to drive them to a hospital etc. (God forbid)
you would be legally insured under the terms of the Road Traffic Order.There is a stated case in UK case law that was won on this basis. This is a loophole that the insurance companies are looking into and i have heard rumours that they intend to remove it from most policies in the very near future. It is the case that a lot of young drivers are doing exactly what you intend to do to enable them to drive high performance sports cars etc.
In short, if it states on your policy this wording, then at the moment, you are technically insured in the eyes of the law.
I only hope that i dont have an accident with you to find out.
2007-04-04 11:05:07 · answer #4 · answered by jonjosar 3 · 0⤊ 0⤋
Steve is right, if you have fully comprehensive insurance then you can drive someone elses car but you will only be covered for 3rd party, or get put on your parents insurance
2007-04-04 10:19:29 · answer #5 · answered by stacie_yst 3 · 2⤊ 0⤋
In the UK, if they havent added you to the insurance as a named driver you wont be insured.
If you're over 25 and have a car in your name fully comp insured a lot of insurance companies issue you 3rd party insurance to drive other vehicles not owned by yourself.
No 3rd party cover will offer you this. Quite a few insurance companies have stopped doing this as well as people abuse it.
2007-04-07 11:47:00 · answer #6 · answered by Blue 3 · 0⤊ 0⤋
No, you will need to be fully Comp on your cheap car. Also, most insurance companies will rquire you to be over 25 and have had at least 1 years driving experience. But don't forget you will only have 3rd party cover on the Merc!
2007-04-04 10:23:01 · answer #7 · answered by Stuart H 1 · 0⤊ 0⤋
As I understand it (or at least have been told). I
If you have fully comprehensive insurance you are then covered 3rd party on any other car you drive although this should be mentioned on the documents. If you are a named driver on your parents insurance then fine but if you are covered third party on your own cheap car you will not be covered via that insurance when driving your parents car.
2007-04-04 10:11:17 · answer #8 · answered by sanchia 3 · 4⤊ 0⤋
If you have fully comprehensive insurance you are then covered 3rd party on any other car .
2007-04-04 10:29:36 · answer #9 · answered by PC 3 · 0⤊ 0⤋
Won't work, buddy. If you have COMPREHENSIVE cover on your own car, it may give you cover to drive another "not owned by you", but it'd only be third party cover and may well specify "in an emergency" only.
I suggest you get your parents to add you as a named driver on their insurance.
2007-04-04 20:24:32 · answer #10 · answered by champer 7 · 0⤊ 0⤋