Basically me and my boyfriend have been having this discussion. He says that since he has got fully comprehensive insurance on his car he can drive any other car and he will have insurance cover but that it will just be 3rd party insurance. So for example even though he is not on my insurance policy for my car he could still drive it and he would be covered by 3rd party insurance as he has got fully comp insurance on his.
I don't think this can be true - please can someone let me know?
2007-10-11 01:31:04 · 16 answers · asked by animalmagic84 2 in Cars & Transportation ➔ Insurance & Registration
Thanks for this - just to let you know that I am actually insuring him fully comp on my new car anyway as I would want anyone driving my car to be fully comp. We just wanted to know in case for any random reason we had to drive someone elses car.
2007-10-11 02:08:25 · update #1
you need to check your policy, mine states that I'm fully comp and can drive any other car and it is covered by me for 3rd party, but you have to make sure that the other car that you are driving has its own insurance or you are not covered, my hubby got caught out this way and got taken to court for not having insurance, so just confirm the terms with your insurance company before you drive another car
2007-10-11 01:40:38 · answer #1 · answered by fruitcake 7 · 0⤊ 0⤋
Hi just having full comprehensive coverage does not cover you on other vehicles, In some cases YES, but with individual insurance companies it is NOT a Given... The only way to be sure is to ASK the Isurance provider, in a case of renting a car most companies do cover an insured driver when they drive a rental car- which would mean that the extra insurance offered by the rental company would not be needed.
Best answer will come from the individuals car insurance agent. have a great day!
2007-10-11 03:52:01 · answer #2 · answered by t m 2 · 0⤊ 0⤋
1
2016-09-25 09:25:31 · answer #3 · answered by ? 3 · 0⤊ 0⤋
Fully Comp Insurance
2016-12-17 07:21:09 · answer #4 · answered by Anonymous · 0⤊ 0⤋
In the UK, the 'driving other cars' benefit can be applied to either a comprehensive or a third party (fire/ theft) policy. Whether or not it is given depends on a) the insurer, b) your boyfriend's age and to a lesser extent c) his occupation.
To see whether your boyfriend has the benefit, you have to look at his certificate of motor insurance. If it states "The policyholder may drive a motor vehicle that is not owned by the policyholder and is not hired to him under a hire purchase agreement' then he has the benefit which, as he says, is for third party only i.e. there is no cover for loss or damage on the vehicle he is driving under that section of the policy.
2007-10-11 03:08:24 · answer #5 · answered by welcome news 6 · 0⤊ 0⤋
In the past if you were fully insured you were insured in any car you drive. Today, many of the rules have changed and all you need to do is call your insurance agent and have it explained. Be sure to do this or you could end up with a big problem.
2007-10-11 01:41:17 · answer #6 · answered by Hirise bill 5 · 0⤊ 0⤋
Going along with what 'Evelyn the dog' implies, I suggest you ask your friend to apply for temporary cover for you on his insurance. You pay or split the cost, whatever. Any insurance company these days that cannot give you a definitive answer aren't really worth their salt and could be classed amongst the rogue almost cowboy status. If the temporary premium is outrageous then hire one. I'm sure in the event of a claim (you don't say which insurers, yours or the other party) the insurers would not be sitting on the fence in that scenario and we all know the outcome which would definitely be negative!
2016-03-13 08:07:22 · answer #7 · answered by Anonymous · 0⤊ 0⤋
You have insurance on the car , not the driver...Your name is on the policy for the car you drive ...
My niece let her friend drive hers , he totaled it , her insurance had to pay out for the damages , and she is without a car , Liability has to pay , but comprehensive does not have to pay if there are unauthorized drivers , read your policy ....he will be covered as far as the liabilty insurance goes , but it will be on you..Not him ..
Most insurance policies will say no unmarried female drivers under 25 , and no males under 25 ....If he has a car why does he want to drive your car so bad anyway .....even if the insurance company covers him , get it in writing from his insurance company , but if he drives your car hard and tears it up , you are stuck , unless you have the money to take him to court.....
2007-10-11 01:43:25 · answer #8 · answered by Insensitively Honest 5 · 0⤊ 0⤋
Yes, it should be. My comprehensive policy covers me to drive other cars with 3rd Party only cover. You can always check with his insurance company. If you are a reasonably permanent item you could look into putting him on your policy as a named driver. Hope this helps
2007-10-11 01:37:11 · answer #9 · answered by SKCave 7 · 0⤊ 0⤋
As far as I'm aware it all depends on his age and also the insurance company that you took the policy out with. If I were you, just to be on the safe side, call up your insurance company and just double check. At least you know now and not later after an accident or something and find out your not insured! x
2007-10-11 01:35:48 · answer #10 · answered by Clarkey 2 · 0⤊ 0⤋