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Full Comprehensive Insurance cover, driving someone else's car?


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Old 01-04-2009, 09:02
lea27
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Me and my OH are both fully comp and have been for 5 years and a year and a half respectively. Friend has a new car that she is a bit nervous about driving so if we take her out in it to a quiet area where she can drive around on quiet roads (She does have full licence just has driven for a while and nervous), would we both be covered to drive it with Tesco, even me who has only been driving a year and a half?
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Old 01-04-2009, 09:06
bambii
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Hi there,
As far as I am aware you are insured to drive it aslong as you are over 25 and are not a mechanic or courier.

The mechanic bit I only know cos my oh is a mechanic and it exclude him driving any other car (incase he is using fully comp for business purposes!)
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Old 01-04-2009, 09:08
lea27
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Hi there,
As far as I am aware you are insured to drive it aslong as you are over 25 and are not a mechanic or courier.

The mechanic bit I only know cos my oh is a mechanic and it exclude him driving any other car (incase he is using fully comp for business purposes!)
Oh right, yes we are both over 25. Didnt know about that bit. Is this with Tesco specifically do you know? I have looked on their FAQs and didnt see anything about driving someone else's car and dont have time to call them.
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Old 01-04-2009, 09:08
yoronna
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Unless it states specifically in your policy that you have fully comp. cover driving another car or your friends that any driver has comp. cover, your cover will be third party only.
So unless your policy only covers the car 'named' on it you can legally drive another car not owned by you but only the person you hit in an accident will be able to claim.


Best to check as insurance company terms vary with regard to ages, etc.
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Old 01-04-2009, 09:13
lea27
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Unless it states specifically in your policy that you have fully comp. cover driving another car or your friends that any driver has comp. cover, your cover will be third party only.
So unless your policy only covers the car 'named' on it you can legally drive another car not owned by you but only the person you hit in an accident will be able to claim.
Yes, I knew the bit about it only being thrid party if we drive another car. So would this be the same if we drove a hire car, even though we are fully comp on our own car, we would only have third party cover?
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Old 01-04-2009, 09:21
bambii
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Oh right, yes we are both over 25. Didnt know about that bit. Is this with Tesco specifically do you know? I have looked on their FAQs and didnt see anything about driving someone else's car and dont have time to call them.
Sorry I don't know if the specifics of Tesco insurance. I would call when you have time just to be sure!
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Old 01-04-2009, 09:23
yoronna
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Yes, I knew the bit about it only being thrid party if we drive another car. So would this be the same if we drove a hire car, even though we are fully comp on our own car, we would only have third party cover?
No. Hire companies offer an optional (non-returnable) collision damage waiver which you pay on collection of the car and although not strictly insurance gives you full cover against any damage to the rental vehicle.
It's not much, I'm out of touch with prices, but I'd imagine less than a tenner a week.
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Old 01-04-2009, 09:24
sancheeez
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The other car normally has to be insured by it's normal owner as well I think?

And as yoronna says, it normally only gives you basic third party cover on the other car.

They all vary slightly though. If in doubt, check the small print or contact your insurer.
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Old 01-04-2009, 09:32
yoronna
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If you really want to have peace of mind, most insurance companies (best to use your current one if poss.) will temporarily insure you fully comp.
The minimum may be a week - again that will vary.

Some people prefer to do that when hiring.
They have to if they're outwith the hire companies' age limits.
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Old 01-04-2009, 09:47
lea27
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Hi all just checked on our actual policies, I am a named driver on OH's policy. Its says that our policy does NOT cover use of another car! Had no idea, lucky I looked first. Cant understand it though, we are both over 25 and both have comprehensive cover, obviously it is just on our car though!

Sancheez, other car does have thrid party cover.
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Old 01-04-2009, 09:55
Somner
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It differs between insurers, but the usual situation is that if you have comprehensive cover, and are over the age of 25, you are covered to drive any other cars (of the same class) with third party cover. So if you drove your friends car (and we're covered by your insurance, which you're not) and had an accident and it was your fault, then you would not be able to claim for the damages to your friends car.

It's a good job you checked, many people just assume they are covered, and don't realise that it is just third party.
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Old 01-04-2009, 10:16
lea27
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I let my OH know who gad no idea we werent covered and said we should amend that as its not good in an emergency if we cant drive another car. Do you know if it is easy to amend or is it something that the insurance company just do automatically for their customers so we wont be able to amend it?
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Old 01-04-2009, 10:25
Somner
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I let my OH know who gad no idea we werent covered and said we should amend that as its not good in an emergency if we cant drive another car. Do you know if it is easy to amend or is it something that the insurance company just do automatically for their customers so we wont be able to amend it?
It's very rare that it is optional on any policy. The company either offers it with the comprehensive cover, or doesn't. You could always add each other as named drivers on either policy, but it would probably cost more, although it would provide comprehensive cover.
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Old 01-04-2009, 10:39
lea27
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It's very rare that it is optional on any policy. The company either offers it with the comprehensive cover, or doesn't. You could always add each other as named drivers on either policy, but it would probably cost more, although it would provide comprehensive cover.
Oh ok thanks for the info, probably wont bother going onto the other car's insurance as she will be fine to drive herself eventually and wont be needed.
Thats a shame if we cant just get it amended, I thought it might be achievable, you know at a cost.
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Old 01-04-2009, 11:39
ChristmasCake
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My dad is fully comp with tesco and has third party on other cars..I just asked him because I remember him driving my uncles car .
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Old 01-04-2009, 11:42
lea27
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My dad is fully comp with tesco and has third party on other cars..I just asked him because I remember him driving my uncles car .
Well I looked on our policy certifcate and right down the bottom it says: Driving other cards - Please note that this certificate does not cover you to drive any other cars. Not saying his a liar of course its just ours specifically say this, not sure why your dad's is different. Maybe we can change it then. Did they offer him this or was it always on there?
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Old 01-04-2009, 11:55
yoronna
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Not sure that you can change it. They may make you take out a completely new and definitely more expensive policy.

Any balance paid on your existing policy would go towards it, but if they're real sharks they'll charge an admin fee.
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Old 01-04-2009, 11:58
lea27
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Not sure that you can change it. They may make you take out a completely new and definitely more expensive policy.

Any balance paid on your existing policy would go towards it though but if they're real sharks they'll charge an admin fee.

Yea dont think I would bother changing anything if it was going to cost more etc. as long as we have a good fully comprehensive cover on our own car then thats the most important thing I guess.

Good job I looked as I imagined that all those with fully comp insurance could drive any other car but only as third party no matter what insure they are with. Told someone else about this problem and they can going to check their insurance policy too as they were under same illusions that I was.
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Old 01-04-2009, 12:02
yoronna
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Yea dont think I would bother changing anything if it was going to cost more etc. as long as we have a good fully comprehensive cover on our own car then thats the most important thing I guess.

Good job I looked as I imagined that all those with fully comp insurance could drive any other car but only as third party no matter what insure they are with. Told someone else about this problem and they can going to check their insurance policy too as they were under same illusions that I was.
It's one of the ways those 'cheapest quote' insurance companies keep prices down. They just 'forget' to tell the customer.
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Old 01-04-2009, 12:04
lea27
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It's one of the ways those 'cheapest quote' insurance companies keep prices down. They just 'forget' to tell the customer.
Oh right, wondered why our insurance was so reasonable and we do the insurance online where they conveniently forgot to tell you these 'little details'. Typical!
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Old 06-04-2009, 10:49
Somner
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Oh right, wondered why our insurance was so reasonable and we do the insurance online where they conveniently forgot to tell you these 'little details'. Typical!
They don't forget to tell you. Most insurance companies will give you the option of looking at a digital company or your policy documents and schedhule before your purchase the policy. Not only this, but from the day of receiving your policy documents you have 14 days in which to cancel the policy at no cost to yourself. It is your responsibility to ensure that the policy you have signed up to is the policy that you want.
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Old 06-04-2009, 12:03
helenj1986
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I have the lamest insurance ever .It was cheapest i could find for someone with no claims ( id never had my own policy before ) they all wanted ridiculous amounts aside from this one but i swear im not covered for anything .

Bit Off topic ,but im driving too Kent next week and i don't have AA or RAC etc ,what happens if break down on the motorway ? Im i just stranded or will the police come and move me ? will charge me ? is it illegal not to have breakdown cover?
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Old 06-04-2009, 12:04
kingdave
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The little detail that most people seem to overlook on this driving other cars issue is that you are covered if you are comprehensively insured (there is no such thing as "fully comp"), over the age of 25 and you are driving the other car in an emergency only.

Only you can decide what an emergency constitutes but I doubt nipping to the shop to get some milk or helping a friend get her confidence back are covered somehow.
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Old 06-04-2009, 12:05
browneggsandham
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I haven't read every reply, but it's best to check with your insurance company or at least your policy first. Most companies do offer this wtih fully comp insurance, but some are beginning to phase it out, and too many people are using it for the wrong reasons, or fronting.

Their conditions for it can vary widely - usually is it explicit within the terms of the policy that the car must be insured in someone else's name, and that it does not cover hire cars.

Most do not provide it unless the policy holder is 25+, but some, such as the Flexibell policy I have with Bell do not have an age limit (I'm 20) - although I've never actually made use of it.
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Old 06-04-2009, 12:06
browneggsandham
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The little detail that most people seem to overlook on this driving other cars issue is that you are covered if you are comprehensively insured (there is no such thing as "fully comp"), over the age of 25 and you are driving the other car in an emergency only.

Only you can decide what an emergency constitutes but I doubt nipping to the shop to get some milk or helping a friend get her confidence back are covered somehow.
I do not believe this is always the case. Nowhere on my policy certificate, or within the detailed terms and conditions does it state that this is only for emergency use.
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