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Driving another car on my insurance

24

Comments

  • #32
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    Scortho wrote: »
    ... I've read my policy from cover to cover and no where does it state that my car can't be driven at the same time by another insured person. ...
    If it's a single-car policy, it won't state that multiple cars can be covered by the policy to be driven at the same time. It's not rocket science, just common-sense. As with most simple contracts, that which is not specifically included, is excluded.

    Apart from which of course that is your policy and the question is about OP's.


  • #33
    phormium
    Registered Users, Registered Users 2 Posts: 3,466 ✭✭✭phormium


    My car is broke at the moment and I have the use of another car temporarily which is owned by a family member who is selling it as they have bought a new car, I called in to my insurance company last Wednesday to check the insurance situation. I have a fully comp policy and AXA advised that I was covered to drive the other car provided I didn't own it (which I don't) and my own was parked up (her exact words) while I was driving the other one. This would give the impression that you can only have one car on the road covered by your insurance.


  • #34
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    mathepac wrote: »
    If it's a single-car policy, it won't state that multiple cars can be covered by the policy to be driven at the same time. It's not rocket science, just common-sense. As with most simple contracts, that which is not specifically included, is excluded.

    Apart from which of course that is your policy and the question is about OP's.

    Lets say my car was to get nicked while I was driving another car under third party extension; do you think that in that scenario my car would not be covered, given that you feel only one car can be covered by a policy at a time?

    To be honest, with something like this, it will be expressely forbidden in a policy if it is the case, and it seems that in most policies it is not expressely forbidden to drive another car while your own car is being driven. If you can find something that shows a policy with such a clause then by all means post it, but Id be surprised if you can.


  • #35
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    djimi wrote: »
    Lets say my car was to get nicked while I was driving another car under third party extension; do you think that in that scenario my car would not be covered, given that you feel only one car can be covered by a policy at a time? ....
    If you are concerned about an incident like this then I suggest you might want to start your own thread; if I respond it doesn't help the OP. Apparently, as I suggested already, helping is not your intention.
    djimi wrote: »
    ... To be honest, with something like this, it will be expressely forbidden in a policy if it is the case, and it seems that in most policies it is not expressely forbidden to drive another car while your own car is being driven. If you can find something that shows a policy with such a clause then by all means post it, but Id be surprised if you can.
    I have already pointed out the simple, common-sense way single-car insurance policies operate; they insure one car at a time.


  • #36
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    mathepac wrote: »
    If you are concerned about an incident like this then I suggest you might want to start your own thread; if I respond it doesn't help the OP. Apparently, as I suggested already, helping is not your intention.

    I have already pointed out the simple, common-sense way single-car insurance policies operate; they insure one car at a time.

    My question is entirely relevant to the thread and to the OP. Can you back up any of what you say with a link to anything at all, or are you going to continue dodging it?


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  • #37
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    my policy states what I may do..it says I may drive other cars under certain circumstances and others may drive mine ditto.
    It does not say what I may NOT do, i.e. have my car driven by someone else whilst I in turn drive another car.
    It says I may do these things, end of.


    As per usual people on here are making up their own rules and swearing them to be true whilst providing no proof (because they can't)


  • #38
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    djimi wrote: »
    My question is entirely relevant to the thread and to the OP. Can you back up any of what you say with a link to anything at all, or are you going to continue dodging it?
    In your opinion, but not in mine, which is what matters to me. I've already provided all that any reasonably-minded person would expect as adequate evidence - a single-car policy insures one car at a time. Do you wish to rebut this with some other evidence?


  • #39
    dingus12
    Registered Users, Registered Users 2 Posts: 182 ✭✭dingus12


    With the liberty policies. It says within territories. Does that mean you can not drive an Irish registerd car that belongs to someone else in Northern Ireland? And how would you fair out driving some one else's car in Northern Ireland that does not have a policy on it. Ie no disc on the window but you are insured to drive it in the republic. Would the car be insured until you parked it and stepped out of it. There for it would then be an uninsured car in NI then the police would seize it?


  • #40
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    corktina wrote: »
    my policy states what I may do..it says I may drive other cars under certain circumstances and others may drive mine ditto.
    It does not say what I may NOT do, i.e. ...
    Correct. Anything not explicitly included is excluded. Your policy does not state that you can have two cars insured on it concurrently, therefore you cannot. Simplez
    corktina wrote: »
    ... As per usual people on here are making up their own rules and swearing them to be true whilst providing no proof (because they can't)
    I agree.

    These posters are easily spotted as they will not refer OP to his own policy or his insurers and their only interest seems to be in encouraging OP to take risks because the odds against detection are slim. This risks voiding the insurance contract.


  • #41
    NUTLEY BOY
    Registered Users, Registered Users 2 Posts: 2,347 ✭✭✭NUTLEY BOY


    As far as the law is concerned is the relevant document not the CERTIFICATE of insurance ? Unless the certificate specifies the scenario about which the OP is concerned then it cannot arise.
    I am looking at an RSA certificate. I cannot see anything that could create the scenario that the OP is thinking about.


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  • #42
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    mathepac wrote: »
    Correct. Anything not explicitly included is excluded. Your policy does not state that you can have two cars insured on it concurrently, therefore you cannot. Simplez
    I agree.

    These posters are easily spotted as they will not refer OP to his own policy or his insurers and their only interest seems to be in encouraging OP to take risks because the odds against detection are slim. This risks voiding the insurance contract.

    that's not what I said at all. My policy doesn't say I may carry my Dog but I can.


  • #43
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    corktina wrote: »
    that's not what I said at all..
    What is that you didn't say at all at all.
    corktina wrote: »
    .... My policy doesn't say I may carry my Dog but I can.
    Your policy probably covers you for social, domestic and pleasure purposes; if so, carrying your doggie in the car is explicitly covered, as is carrying your granny or a goldie-fish or even all three.


  • #44
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    mathepac wrote: »
    Correct. Anything not explicitly included is excluded. Your policy does not state that you can have two cars insured on it concurrently, therefore you cannot. Simplez

    I dont have two cars insured on my policy concurrently. I have one car insured on my policy, and I (me personally, not my car) am insured to drive another vehicle on third party only cover. So where you are getting this notion that two cars are insured on the policy is beyond me.

    Also, this notion that you seem to have that anything not expressly included in the policy is forbidden is what I am challenging. If it was against the policy for me to drive another car while my own is being driven then I would expect that my policy would expressly state that. It doesnt, therefore it is not an issue.

    If you can show me a policy that expressly forbids this then Ill be all ears. If you can show me anything at all that backs up your claims then Im more than happy to be proven wrong. If you cant, then please dont bother coming back with another patronizing reply that has zero substance.


  • #45
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    mathepac wrote: »
    What is that you didn't say at all at all.

    Your policy probably covers you for social, domestic and pleasure purposes; if so, carrying your doggie in the car is explicitly covered, as is carrying your granny or a goldie-fish or even all three.

    yeah right...you believe that if you want to....a few months down the line you'll be arguing the opposite if it suits you.


  • #46
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    djimi wrote: »
    I dont have two cars insured on my policy concurrently. ...
    I know, I know. It's a single-car policy so only one car / driver at a time can be covered by it.

    Show me where on your policy it states that you and another driver would be covered to drive two cars including your own at the same time. Better still ask your insurers and post the answer you get in the thread. I await with barely suppressed hilarity.


  • #47
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    mathepac wrote: »
    I know, I know. It's a single-car policy so only one car / driver at a time can be covered by it.

    Show me where on your policy it states that you and another driver would be covered to drive two cars including your own at the same time. Better still ask your insurers and post the answer you get in the thread. I await with barely suppressed hilarity.

    I can show you where on my policy I can name a driver to be covered to drive my car on my policy.

    I can show you the section that allows me to drive someone elses cars with third party cover.

    I can show you where at no point does it state that both of these cannot happen at the same time.

    Can you show me anything at all to back up your claims?


  • #48
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    mathepac wrote: »
    In your opinion, but not in mine, which is what matters to me. I've already provided all that any reasonably-minded person would expect as adequate evidence - a single-car policy insures one car at a time. Do you wish to rebut this with some other evidence?

    Yes.
    I'm with Allianz. Their policy document is available on their website.
    Please show me anything in that policy which would suggest it's the "single-car policy".

    My policy (together with schedule and insurance certificate) says that people covered to drive my car is me and my wife.
    It also says that I (the policy holder) can drive any other car which doesn't belong to me (and few other conditions).
    I never says it's single-car policy. It never says that both options can't be used at the same time.

    So why you keep stating term "single-car policy" if it's not used in the policies?


  • #49
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    CiniO wrote: »
    ... It never says that both options can't be used at the same time. ...
    Nowhere will your policy say that both can be used together, thus they can't. What isn't explicitly allowed is dis-allowed.
    CiniO wrote: »
    ... So why you keep stating term "single-car policy" if it's not used in the policies?
    Surprising the basic stuff people don't understand.

    All private non-commercial policies underwritten in Ireland are single-car policies - one policy per car - unless otherwise explicitly stated in the documentation. Simplez.

    In Italy I had all my cars listed on one policy document and my cars were insured for all licence-holders who had my permission to drive.


  • #50
    Sobanek
    Closed Accounts Posts: 3,354 ✭✭✭Sobanek


    mathepac wrote: »
    All private non-commercial policies underwritten in Ireland are single-car policies - one policy per car - unless otherwise explicitly stated in the documentation. Simplez

    Wrong.
    Called AXA today.
    As a named driver, I'm covered under my parent's policy when I drive another car but that is limited to third party damage only.

    Not listed in the policy documentation either. Had to call to confirm.


  • #51
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    djimi wrote: »
    ... Can you show me anything at all to back up your claims?
    I don't need to, as I said before. My only concern is that the OP isn't placed at risk by the misinformation others are posting here.


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  • #52
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    Sobanek wrote: »
    ... As a named driver, I'm covered under my parent's policy when I drive another car but that is limited to third party damage only. ...
    I have no way of knowing what questions you asked to get the answer you did. Care to share the questions?

    BTW I'd bet your parents' policy is a single-car policy.


  • #53
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Mathepac, I've never seen anyone so strenuously pound an incorrect position on this subject

    Firstly, the driving of other cars extension does not cover 2 cars at one time, nobody is saying that. It covers the vehicle specified in the policy and the DRIVING of the policy holder in another car. Both covers can operate simultaneously.

    I'll reverse your other theory, in that if something is not specifically dis-allowed, then it is allowed. Some insurers restrict the extension to exclude driving a spouses car.

    It would only take a line in the policy to exclude driving of other cars while the primary vehicle is being used, no insurer has deemed it necessary

    You have yet to post a link to a policy wording clarifying your stance, where others have.


  • #54
    timmy4u2
    Registered Users, Registered Users 2 Posts: 1,079 ✭✭✭timmy4u2


    Actually what all insurance policies do state is that there cannot be two or more insurance policies covering the one vehicle and if you are driving a vehicle on your "other vehicle extention" and the policy covering the actual vehicle allows you to drive on a named basis or an open driving basis then any claims can only be made on the policy directly connected with the vehicle.
    Some policies will allow you to have comprehensive cover when driving other vehicles, such as AXA, if you have five years no claims driving with them.
    This initself goes against the grain as you cannot insure an item against loss if you do not own it.


  • #55
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    that's not 100% true, you can insure a vehicle that you have an interest in, you don't necessarily have to own it as such. (for example a car on HP)


  • #56
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    oldyouth wrote: »
    Mathepac, I've never seen anyone so strenuously pound an incorrect position on this subject

    Firstly, the driving of other cars extension does not cover 2 cars at one time, nobody is saying that. It covers the vehicle specified in the policy and the DRIVING of the policy holder in another car. Both covers can operate simultaneously.

    ...
    You have just given a perfect description of a single-car policy covering two cars simultaneously.

    This poster's AXA policy agrees with my posts. I have no connection with the poster or with AXA
    phormium wrote: »
    My car is broke at the moment and I have the use of another car temporarily which is owned by a family member who is selling it as they have bought a new car, I called in to my insurance company last Wednesday to check the insurance situation. I have a fully comp policy and AXA advised that I was covered to drive the other car provided I didn't own it (which I don't) and my own was parked up (her exact words) while I was driving the other one. This would give the impression that you can only have one car on the road covered by your insurance.
    Seems like a very simple, understandable, common-sense interpretation of a single-car policy, to me at any rate.
    oldyouth wrote: »
    ... You have yet to post a link to a policy wording clarifying your stance, where others have.
    You mean having waded through the plethora of links posted in support of a position counter to mine, you missed all my links?


  • #57
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    Okay, for clarification purposes, and because I had nothing better to do on a wet Friday afternoon, I decided to ring Liberty to ask the question.

    Question: If I have a named driver on my policy, is there anything to stop the named driver from driving my car at the same time as I am driving someone elses car using the third party extension on my policy. Or would my car need to be parked up and not in use while I avail of the third party extention cover on my policy to drive another car?

    Answer: Not at all, there are no such restrictions. Provided it is a private motor insurance policy (not commercial) and the owner of the other car has given their consent for you to drive the car, there is nothing to say that your own car cannot be driven by a named driver at the same time.

    Hopefully this clears any confusion up on this matter. Mat, I can request the recording of the phonecall from Liberty, but hopefully you can be mature enough about this that that wont be necessary!


  • #58
    timmy4u2
    Registered Users, Registered Users 2 Posts: 1,079 ✭✭✭timmy4u2


    corktina wrote: »
    that's not 100% true, you can insure a vehicle that you have an interest in, you don't necessarily have to own it as such. (for example a car on HP)
    Didn't think there was a need to go to that extent of explaining, It is actually worded as "insurable interest"
    In the case of a finance company the insurance company will pay out to the finance interest first any you will get what is left, if any.
    In fact if you do not take out a gap insurance you could finish up paying the finance company
    For the difference between whatvthe Insurance Company will allow and what the finance company is owed


  • #59
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    Thanks for that. So that's one-all in information solicited directly from insurers. So I'm still in the hunt. It does go to prove a point I've made countless times on here though - ask your insurer directly if in doubt.


  • #60
    timmy4u2
    Registered Users, Registered Users 2 Posts: 1,079 ✭✭✭timmy4u2


    mathepac wrote: »
    Thanks for that. So that's one-all in information solicited directly from insurers. So I'm still in the hunt. It does go to prove a point I've made countless times on here though - ask your insurer directly if in doubt.
    By the very nature of insurance all insurance cover is a provided on an individual basis so it is very important not to assume anything. Check your policy document which includes your policy schedule and cross reference it with the insurance certificate....and do not accept word of mouth as any clarification of issues. Insist on getting it in writing.


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  • #61
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    mathepac wrote: »
    You have just given a perfect description of a single-car policy covering two cars simultaneously.

    It doesn't cover 2 cars, it covers one car and the policyholder's driving of another car. You're not listening, I'm done........


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