I need to know something about car insurance......?

Broker Man

There is another option to this saga if you do not want to pay the additional cost to add your "Toy-boy" to your insurance.

Let him purchase temporary insurance cover on a Comprehensive basis for any period between 1-28 days. If there is an accident whereby he is involved or at fault, it will not affect your No Claims Bonus. There is of course no guarantee that it won't affect your relationship though.............

MarkEverest

IF, and only if, his insurance indemnifies him to drive someone else's car, then it would be on a third party only basis. This means that if he wrecked your car, then you would lose it. His insurance company would only pay for damage or injury caused to others or their property.

Why don't you suggest adding him as a driver to your policy provided he pays the increase on your premium and the increase needed to protect your no claims discount?

susie x â™¥â™¥â™¥

I would be very careful if he was driving your brand new car with only 3rd party.

Bardic

This is a subject often misunderstood, with reason in some cases. If your man (and you) reads his insurance policy carefully, I think you'll find it may or may NOT permit him to drive other peoples cars, with their permision and assuming they're already insured.

It is by no means certain that this is the case these days, contrary to urban myth, and if it is permitted you'll probably find that it states "in an emergency only". In any case, it would only be with third party cover, which would not cover any damage to your car.

The insurance companies have recently woken up to little Johnny with his fully-comp Corsa driving dad's Ferrari!

cunny

You are right - he is covered for compulsory 3rd party only when driving other cars on his insurance- but only if it says so on his policy - you need to check - some exclude this particularly on younger drivers. You will not get any money if he damages your car so will have to pay all the repair costs yourself. Don't let him drive it as you will have an even bigger barney when he crashes it and you have lost an expensive car!!

old know all

If he crashed your car, his insurance would pay compensation for anyone he killed or injured, and part of the cost of damage to other people's property. You would get zilch for any damage done to your car.

You can either pay up and add him as a named driver - if you think he's worth it. Otherwise, trade him in for a model that's cheaper to insure.

Pam P

You need to check both policies.

Generally if you are over 25 yrs old and have a policy in your own name then you are covered 3rd party to drive any other vehicle. As long as the other vehicle is insured and you have permission.
The policy will state wether or not this benefit is included.

This means that if you have an accident then your insurance will pay damages to the other(3rd) party, if it was your fault.

If the accident is your fault then the car you are driving would not be covered at all.

If the accident is not your fault then you can claim off the person who caused the accident, assuming they have insurance.

Big Deal Maker

Mark ever was right. If your insurance policy says you are they only driver on the car and if your boy toy gets into a wreck say good by to the car. His insurance policy will only cover his car that he is insurance for. Talk it over and make the same offer that mark Ever has given you. Sounds like a peace making deal to me

Tell him if he wants to drive you car you want proof of his fully comprehensive insurance. He is right that he can drive it (3rd party insurance only) which is no good at all to you if he runs into someone else and trashes your car.

Valmiki

Your "argument" is correct.

If you choose to deviate from what you know is right, then it really will end in tears.

allen555

Yep. If he is not a named driver and is driving your car on his insurance, he only has third party cover. The 1st party is the insurance company. The 2nd party is the driver with whom he collides and the third party is him.

try my luck

u need a new toy boy

welcome news

I would ask him to pay the difference in the premium!

First of all: check that he DOES have driving other cars - it will be on his certificate of insurance. The fact that he has Comprehensive cover does not of itself give him that right.

If he does have 'driving other cars' then the extension is, as you say, restricted to 'third party only' insurance so if the vehicle is damaged (or stolen!) WHILST UNDER HIS CONTROL then there is no cover.

If the car is damaged when he is driving then you would not be entitled to a courtesy car as that benefit is only provided if the car is being repaired under the insurance policy.

UCANTCME

IT VARIES FROM STATE TO STATE BUT YOU WILL HAVE TO CALL AND CHECK THIS OUT FOR YOURSELF, SOME INSURANCE COMPANIES REQUIRE THAT IF SOMEONE ELSE DRIVES THE VEHICLE THEY MUST BE ADDED TO THE POLICY.

Fred

should be ok since you gave permission ran into that issue when i was younger borroed my moms car and wrecked it, and never got in trouble just with the mom thats it

i should add though the car was not brand new it was paid off a few months before

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