User Tag List

Thanks Thanks:  0
Likes Likes:  0
Results 1 to 5 of 5

Thread: Quick Insurance Question

  1. #1
    Regular Member Jim Bob's Avatar
    Join Date
    Nov 2006
    Location
    Widnes, Cheshire
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats





    Post Quick Insurance Question

    Hi all,

    I'm 21 and currently insured fully comp with Direct Line.

    However, they do not offer the facility of driving any vehicle, with owners permission, third party - as I'm under 25.

    Does anyone know if any other companies would allow me to? Or are they all the same?

    thanks

  2. #2
    Regular Member Gsi3.2's Avatar
    Join Date
    Jul 2005
    Location
    Technical directors office
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats





    Default

    none now, they seem to be clamping down on this area of cover to stop young drivers driving other family members higher powered cars..

    I've had this cover since i started driving, but my brother in law is 6 years younger and has never had this offered to him in all his years driving..even now he's past 25 it's still not an option for him..

  3. #3
    Regular Member storey_3000's Avatar
    Join Date
    May 2006
    Location
    somerset
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats





    Default

    I had it when i first insured my first car at 17 through co-op/CIS insurance but that was 6 or 7 years ago now. Never been offered it since! It was ace cause as a young'n i was driving everyone elses cars! (only thrid party though) But back then CIS were known for offering this priveledge. Don't know if they still do.

  4. #4
    Regular Member parapaul's Avatar
    Join Date
    Jul 2006
    Location
    127.0.0.1
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats





    Default

    DL are bu66ers for this - it's worth ringing around to see. I've been with them since I was 25, but that was my main reson for nt using them before that.

  5. #5
    Regular Member dave45040's Avatar
    Join Date
    Aug 2006
    Location
    llandudno
    Problems Posted
    0
    Problems Solved
    0
    Best Answers
    0
    Good Answers
    0
    Post Thanks / Like
    Mentioned
    0 Post(s)
    Tagged
    0 Thread(s)
    Vehicle InfoStats





    Default

    Hi,

    There are still companies that offer this extension to your motor policy - you just have to ask the question when you are looking for quotes.

    Unfortunately, you may (and in all probability WILL) find that the first company to offer you this extension to your motor policy will NOT be the most competitive, and you could find yourself being charged £100's of pounds extra just for this privelage.

    Would it be worth it??? How many people are happy/confident driving someone elses 'pride and joy' with only 'Third Party Cover'??

    I know I would never let anyone else drive my motor with this cover only.

    As a side issue, I know CIS do still give this extension (unless you normally work in the Motor trade or are a Taxi Driver - which used to be the main exclusions for all companies regardless of the policyholders age), but they have slightly changed the criteria.

    Their exact wording from their website reads:

    Am I insured to drive someone else's car?

    No, Third Party Liability whilst you are driving another vehicle is not generally available except when

    (i) the vehicle does not belong to you and is not hired to you under a hire purchase agreement

    (ii) there is no other insurance policy which insures you

    (iii) the vehicle is being driven due to emergency.


    They have now included the last part (iii) in their policy wording, although technically the extension has always been there for this purpose.

    Presumably, this means that they have the right to refuse to pay out on any claim unless you can prove that it was an emergency. I doubt whether they would see you, for example, driving your brothers high powered motor down to the shops for a pint of milk etc. as an emergency.

Thread Information

Users Browsing this Thread

There are currently 1 users browsing this thread. (0 members and 1 guests)

Similar Threads

  1. Quick Insurance question
    By MattW74 in forum Insurance Chat
    Replies: 2
    Last Post: 13th June 2011, 18:59
  2. Quick Question - Need a Quick Answer if Possible
    By RobW in forum Suspension, Wheels & Brakes
    Replies: 3
    Last Post: 8th February 2011, 23:55
  3. Quick Insurance Qn - XP1
    By moorlander in forum Insurance Chat
    Replies: 8
    Last Post: 4th March 2009, 19:42
  4. Insurance question?
    By Mads in forum Insurance Chat
    Replies: 12
    Last Post: 2nd October 2008, 19:35
  5. insurance question
    By beefycol in forum Insurance Chat
    Replies: 27
    Last Post: 21st February 2008, 13:49

Visitors found this page by searching for:

Nobody landed on this page from a search engine, yet!

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •