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Chit Chat
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Can anyone clear the air as to how accurate the following situations are? I think its because the person is insured in relation to a car an not as a person
I have fully comp. Am I fully comp on every car I drive? And do I have to tell the inurance co about the details of other cars I drive, including hire cars?
My wife is a named driver. This makes her fully comp on my car but 3rd party on any other car.
Our son is 3rd party on his own car, so he can only drive that.
If I'm right about these positions, then the real value of fully comp is flexibility.
Now the rant: apparently our insurance is up becaus eof the buggers who don't bother. Why can't we have a combined licence/insurance disc. I've seen them in Ireland
I have fully comp. Am I fully comp on every car I drive? And do I have to tell the inurance co about the details of other cars I drive, including hire cars?
My wife is a named driver. This makes her fully comp on my car but 3rd party on any other car.
Our son is 3rd party on his own car, so he can only drive that.
If I'm right about these positions, then the real value of fully comp is flexibility.
Now the rant: apparently our insurance is up becaus eof the buggers who don't bother. Why can't we have a combined licence/insurance disc. I've seen them in Ireland
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no insurance car crushed, policy is meant to be in action ..
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You are fully comp on your own car but only 3rd party on any car which is not your own.
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Check your ins. policy,I have never seen one where comp. ins. entitles you to drive another car,covered fully comp,most allow you to drive another car (but not one hired by you) on a third party basis and in fact more and more now don't allow you to drive another car at all,as for a named driver,there are very few policies now which entitle a named driver to drive another car on any basis.
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My insurance has me as fully comp on my own car, just third party on any other car driven with the owner's consent but excluding hire, reward or business purposes and also excluding hired cars.
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I'm also insured against tripping over seatbelts even when a passenger in any other car. Very useful.
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My wife is a named driver. This makes her fully comp on my car but 3rd party on any other car.
NOPE your wife can ONLY drive your car ...as a named driver .. Everyone above is correct in that YOU are only covered 3rd Party in any other cars NOT owned by you... (excl Hire cars of course --where you will need a seperate insurance cover for)... But even then YOUR policy has to STATE that you can drive another car 3rd Party ..if it doesn't then you TOO are restricted to your one car .. If your wife crashes and makes a cllaim , you will lose your No claims bonus ...Insurance Companies are NOT daft .. :-) |