My car was broken into last night, my mother's insurance claims to cover her driving any car...?

jerry

Your mom's insurance will not cover it. Your insurance covers the car (or lack of insurance). The only time her insurance would cover it is her liability (Bodily Injury, Property Damage) and her medical, IF she is driving the vehicle during an accident. Her insurance will not roll on collision and comprehensive coverage.

If you're insurance was invalid, then you have to pay for the damages yourself.

Ritch

When your policy covers any car it isn't comprehensive cover, it is third party.

Meaning it would only cover the damage to another car if she drove into it.

Unfortunately it doesn't cover theft. If its a lot of damage it may well be worth claiming on your policy.

si n

No your mums insurance will only cover her if she was driving the car at the time......and she wasn't so don't bother trying to claim on her insurance as you will be found out.

oklatom

Insurance follows the vehicle, not the driver. If she were driving your vehicle without insurance, she would be subject to a ticket for operating a non insured vehicle. So essentially, no.

Chris

No, this is not possible. Insurance follows vehicles, not people. If the vehicle was parked and unoccupied at the time, the only coverage that would pay for damage is comprehensive on the owner's insurance. If the owner has no insurance, that's where it ends. Just because your mom was operating it earlier in the day does not bring her insurance into the mix. I'm sure her policy actually states that they insure the vehicle for which a premium is paid and which is listed on her policy papers. The policy would then go on to state that other vehicles might be covered that she doesn't own, but that would only apply if she were actually driving it at the time that the loss occurred.

addition: Homeowners would exclude damage to the vehicle. If personal items were stolen you can see if they would be covered under homeowners, but it is not likely. Everyone needs to stop saying the mom's policy will cover it. It won't! This is a comprehensive loss and the vehicle does not qualify as an insured vehicle under the mom's policy.

caroline1409f1

Don't you have your own insurance - that's what you need to do if the car belongs to you I think you need to make the claim on your own insurance. You will need to check your policy wording.

barn owl

It means your mother is insured to drive any vehicle under the minimum legal requirements eg. third party only if you are insured third party fire and theft you can claim on your insurance but if you are insured third party only you have lost out. Hope this helps

Sonny Walkman

If it was broken into then your insurer would classify it as a theft claim rather than accident. Your mother's policy would only cover it if she was involved in an accident whilst driving it.

Sorry to be one of a number of bearers of bad tidings

Mark B

Firstly, no it wont be succesful as it is fraud. Your mothers insurance covers her for 3rd party liability while driving other peoples cars, ie if she has an accident involving a thrid parties car. This also depends on the car she is driving having insurance already on it by the owner/keeper. So if she claims to have driven it she will also be charged for driving without insurance if your car isn't insured.

The responsibility is yours to ensure your car is fully insured if you want to make claims for any damage it incurs which you obviously have not.

c.j.davies

I suggest making your current policy valid
No your mum cannot make a claim, it's only for driving if she is involved in an accident - this is a break in so therefore not covered.

Nimbus

Your mothers certificate is evidence just for the Road Traffic Act and the damage to your car will not be covered by her policy.

Professor

Don't cheat like this. Although you won't get into prison now as they are too full. You are risking your poor Mum getting a bad record. It is dishonest

sassenach

The ability to drive other people's vehicles is almost always restricted to third party risks only. This is what used to be called 'road risks' and is limited to the minimum amount of cover to allow a vehicle to be driven on the road under the Road Traffic Act i.e. if she hits someone, it will allow them (the third party) to claim against her insurance policy. If her policy says 'third party risks only' then this will be the case and so a claim for damage cannot be made.
As a matter of interest, for a third party claim to be made by someone else, the original vehicle has to be insured also, so you can't drive an un-insured vehicle just because your policy says 'other cars'.

sharon m

i think that you will find that she is only covered third party

Lots of money but no sense

I guess you can so long as you dont mind your mom going to jail for a fraudulent insurance claim! I guess its your parents and you wont mind waiting for her to get out of jail in a local group home! GO FOR IT!!!

Mick

You will have to claim through your own insurance as your mothers will only be third party

if you were at home sometimes homeowners insurance will cover that i think.

onlytnt

AS LONG AS YOU, HAVE INSURANCE. THEN HERS WILL COVER IT

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