Does Uk Car Insurance Cover The Driver Or The Vehicle?
Friday, October 23rd, 2009 at
4:57 am
If we expostulate my partners automobile am we covered? Similarly, if we go as well as buy a 2nd palm automobile to ‘do up’ am we insured to expostulate it behind to my home? My word is due for renovation in a couple of weeks time as well as I’ve seen quotes which list “driving alternative cars” as a single of a facilities of their insurance.
Popularity: 2% [?]
Related posts:
- Car Insurance: Cover and the Older Driver
- Can I Get Car Insurance Cover With Being A Learner Driver In A Car I Bought?
- Do most car insurance policies cover both operator and the main driver of the car?
- Can someone reccomend an car insurance to cover my vehicle while visiting Mexico?
- Choosing the Right Vehicle for Affordable Car Insurance Policy
- Physical Injury Requirements of Caravan Insurance Department for Vehicle Owners
- Breakdown Cover: Pay Less and Get Efficient Vehicle Assistance
- Car Insurance : Safe Driver Profile is the Major Consideration
- Car Insurance ? How Secure is your Vehicle?
- Breakdown Cover: Cost Effective Vehicle Assistance Anywhere Anytime
Tagged with: Cover • Driver • Insurance • vehicle
Filed under: Car Insurance Cover
Like this post? Subscribe to my RSS feed and get loads more!
Be very careful and read the fine print carefully. It is a myth that the holder of a comprehensive policy is automatically covered to drive other vehicles with third-party cover.
You will probably find that you may drive other vehicles which do not belong to you or are not leased to you, with third-party cover only and only in an emergency. In addition, the other vehicle must already be insured.
To drive your partner’s car you should get her to add you to her cover. With regard to the “new” car, speak to your insurers and they may or may not add it to your cover temporarily for the “get you home” exercise.
Do be careful, in some areas a car can be seized if the insurance is not spot-on.
The myth about “blanket cover” has been around for years and, I’m afraid, is just that – a myth. Insurance companies long ago got wise to little Johnny driving dad’s Ferrari on his Corsa insurance.
If you have Fully Comprehensive Insurance, you are covered T.P.F & T on any car that you drive, that doesn’t belong to you, providing of course you have the owners permission.
As for driving the 2nd hand car, I’m sure if you inform your insurance provider of your intentions they’ll issue a temporary cover note for the one journey.
As for insurance companies offering ”driving other cars”, they’ll just charge you extra for something you can do anyway.
I’ve changed my Insurance Policy every year since I bought my current car just over 2 years ago, I used Tesco Compare to search, and this year I’m paying less than I was 2 years ago for a better policy, and I’m 44 with a clean licence and 10+ years Protected No Claims.
Hope that helps.
Allways the driver
never the vehicle
a policy will cover
policy holder only
policy holder & spouse
policy holder +any driver
policy holder+ named driver(s)
Your own policy may let you drive
vehicles not registered to you
(with the vehicle owners permission)
but this is getting rarer these days
but even if your policy is F/Comp
you cover is limited
to T/P only
the safest thing to do would be to contact
you insurance company/broker
for clarification
good luck
best wishes
UK car insurance is usually restricted on both car and drivers.
Most policies will cover named drivers on one car only.
Some will cover the policyholder (but generally not other named drivers) third-party only to drive other cars – usually described as vehicles “not owned by the policy holder or hired to him under a hire purchase agreement”. Some restrict this cover to emergency situations only (e.g. you are in a friend’s car miles from home when the friend becomes too ill to drive). It depends on the wording of the policy whether or not it covers you to drive your partner’s car – and in any case that cover will be for third-party claims only. If you need to drive your partner’s car regularly you should get them to add you as a named driver on their policy.
If you buy a second car, because that car is owned by you, you will not be covered unless you specifically request your insurer to add it (some will provide temporary cover).
The golden rule with insurance here in the UK, is if in doubt ask the insurance company! If something has changed declare it! Insurance companies are out to make money, so don’t risk losing cover for little things.
My spouse recently got a legal summons from a 3rd party claiming a couple thousand pounds for loss of earnings and damage to car for an accident she was involved in a year ago. Am I glad I had legal cover on my policy!
Generally the policy holder of a comprehensive policy will be allowed to drive another vehicle ‘not owned by them’ on a 3rd party basis.
That said you need to read exactly what your policy covers you to drive. If you have any doubts contact your insurance company.
if you drive your partners car you are only coverd third party.if you buy a second hand car you are not coverd to drive it once you buy it get in touch with the insurance co and get them to cover it to drive home
It depends from your company and policy.
For example, my insurance ( http://autoinsurance.maclenet.com , London ) provide such a service for 2 week.
Depends on your present insurance policy – contact your insurer and ask.