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[CLKD]

For many years we were able to drive another person's vehicle 3rd Party on our Fully Comprehensive Policies with the owner's permission.  Apparently this is no longer so.

Honest John comment today:

"Disturbed at the number of un-insured drivers he was forced to fine, a magistrate asked me to run this as frequently as I can, reminding all drivers to check their personal certificates of insurance.  If these do not specifically state that you are entitled to drive other insured cars, you are not entitled to drive them.

"You could face 6 points on your Licence, a £500.00 fine and confiscation of the car.  MC of Spalding writes that Aviva, Axa, Alliance, LV, Ageas, Converra and Zurich allow some policy holders to drive other cars, but there are age and occupation restrictions.  Some companies also automatically offer cover for courtesy cars whilst the insured car is being repaired, but you need to check … "

I remember several years ago, driving my friend's car back to my home when she was in Hospital, I know that a neighbour takes others to the air-port in their vehicle then drives it back …… and collects them when they return from holiday.  Something to check maybe …….

[honeybun]

Your motor insurance policy makes it perfectly clear. Not sure where the confusion is unless you don't read the small print.
We have various policies for children's cars and our own and I always check who can drive who's car. It's confusing but I am a small print reader. 


Honeyb
x

[Joyce]

Only my hubby allowed to drive other's cars. Additional named drivers are not allowed. Been that way with most insurance companies for a long time. It is clearly stated on motor insurance certificate/policy.

[Taz2]

Mine says I can drive another car under my fully comp policy with the owners permission but that it will be only be covered third party fire and theft. It's very confusing! I did find this online http://www.yourdrivinglicence.co.uk/driving-someone-elses-vehicle.html

Taz x

[honeybun]

Really don't see how it's confusing to be honest. It's as CG says and has been the same for years. Hubby and I can both drive other cars ....third party as we both hold our own policies. If you are a named driver only then you can't.
Simples. 


Honeyb
x

[CLKD]

I am named driver on both our Policies.  I showed DH the article but he made absolutely no comment 

[Joyce]

Policy holder can drive other cars if said policy holder has comprehensive insurance & has permission from other car owner. Named drivers do not have this privilege. They are only allowed to drive other cars if named on other car's policy. For example, I am named driver on hubby's policy. He can drive son's car, but I can't. However, if I was to be put on as named driver on son's policy I could drive his car.

[CLKD]

 

[Joyce]

My earlier years working in insurance have not been wasted after all. 

[honeybun]

Does that mean you were driving uninsured CLKD? The policy regulations have not changed in decades really. Unless the policy was in your name you were not insured to drive anyone else's car.

Scary stuff.....if you don't read the small print.


Honeyb
x

[CLKD]

Nope.  I only drive our Toyota if necessary as named driver.  I never drive anyone else's car ……. no requirement these days.

[honeybun]

Sorry I took it from your first post that you had been driving other cars.

That's great though.


Honeyb
x

[CLKD]

That was in the 1970s ………..

[Joyce]

Oh I thought that too. Phew! All's well then.

[CLKD]

Of course