sean17650199 Posted June 4, 2017 Share Posted June 4, 2017 So i was driving the girlfriends car this morning taking her to work, we are both fully comp and my insurance allows me to drive any car the police even said this but they phoned insurance aswell and they said even though it says that im supposedly not allowed to drive her car because its a partners car so im a bit confused but why does my insurance say i can drive any car. If anyone has any info that can dumb it down to my level would be much appreciated haha thanks Sean. Quote Link to comment Share on other sites More sharing options...
Ric Posted June 4, 2017 Share Posted June 4, 2017 You might be able to drive any car (third party) however if your partners insurance is for the policyholder ONLY, then yeah, you arent insured. Quote Link to comment Share on other sites More sharing options...
Havard Posted June 4, 2017 Share Posted June 4, 2017 I am confused. Even third party, he is legally entitled to drive the car. He is just not allowed to claim on his partners insurance, just his own. *Edit. I assume your small print on your own fully comp policy says that you are allowed to drive other cars third party? Unless the small print excludes a partners car, then I can't see how you have done anything wrong. We have policies that are four our cars only and others that say third party but I have never heard of a "partner" clause. H. Quote Link to comment Share on other sites More sharing options...
jcbt Posted June 4, 2017 Share Posted June 4, 2017 If you have a DOC extension then the following wording normally applies The Driving Other Cars extension on a Private Car motor insurance policy covers the policyholder for their liability towards third parties for any injury or damage they cause whilst they drive a car that they don't own, that is not registered to them and is not hired to them under a hire purchase or leasing agreement. So if you have that wording you should be covered. Quote Link to comment Share on other sites More sharing options...
Havard Posted June 4, 2017 Share Posted June 4, 2017 If you have a DOC extension then the following wording normally applies The Driving Other Cars extension on a Private Car motor insurance policy covers the policyholder for their liability towards third parties for any injury or damage they cause whilst they drive a car that they don't own, that is not registered to them and is not hired to them under a hire purchase or leasing agreement. So if you have that wording you should be covered. Hi John, I thought it would be abundantly clear within your policy, what you are covered or not covered for. Your policy is either for you and named only, no third party coverage. You only fully comp, then third party only for other vehicles. I would have no idea how they would police whether coverage is for your partner, casual girlfriend, cousin etc. Unless you are mental and live with someone and are happy to drive around in their vehicle thrid party only. That would be madness compared to being named on the policy for a car that you are obviously going to drive regularly. H. Quote Link to comment Share on other sites More sharing options...
Chris Wilson Posted June 4, 2017 Share Posted June 4, 2017 Post an image of the cover note. How the hell did plod get on to the insurance company on a Sunday morning? Quote Link to comment Share on other sites More sharing options...
Annabella Posted June 4, 2017 Share Posted June 4, 2017 So i was driving the girlfriends car this morning taking her to work, we are both fully comp and my insurance allows me to drive any car the police even said this but they phoned insurance aswell and they said even though it says that im supposedly not allowed to drive her car because its a partners car so im a bit confused but why does my insurance say i can drive any car. If anyone has any info that can dumb it down to my level would be much appreciated haha thanks Sean. /QUOTE] If your (and I mean your) policy states you are covered 3rd party for 'other' peoples cars then you are covered if you are not the registered keeper, or legal owner of the vehicle you were in. Otherwise it has huge ramifications for situations like designated driver on a night out for instance.... I would definitely take legal advice before accepting the charge(s) EEk until just read this - how old applies to, seems if under 25 then you're definitely not covered. Look at driving a partners car... https://www.confused.com/motor-insurance/your-cover/driving-other-cars-on-your-car-insurance https://www.moneysupermarket.com/car-insurance/articles/are-you-covered-in-another-car/ Quote Link to comment Share on other sites More sharing options...
sean17650199 Posted June 4, 2017 Author Share Posted June 4, 2017 Ill dig out all my insurance stuff and find all the small prints and stuff but i have 2 insurances out one for the supra and one my daily which on both i said i wanted to be able to drive any car coz im forever taking my mums and sisters cars not now after this. but they pulled me over and then said to me right were going to let you on your way until we find out more but how can they just let a supposed un insured driver carry on home surely thats wrong of them to do, they phoned me and now they said there going to come and see me tuesday night to charge me if the insurance says im not allowed to drive it. Quote Link to comment Share on other sites More sharing options...
Ric Posted June 4, 2017 Share Posted June 4, 2017 Putting the tin foil hat on here. But was it the genuine police? or impersonators trying to get your details/address, come back on tuesday and nick your car Quote Link to comment Share on other sites More sharing options...
sean17650199 Posted June 4, 2017 Author Share Posted June 4, 2017 I know the policeman who pulled me over so i think he's legit, i used to be a gamekeeper so he came out every few years to check my guns and that Quote Link to comment Share on other sites More sharing options...
sean17650199 Posted June 4, 2017 Author Share Posted June 4, 2017 He can steal her car if he wants but he touches the supra i'll find him and he will regret that, shes tucked up in a garage with neighbours security cameras on the 2 garages so hopefully its fairly safe Quote Link to comment Share on other sites More sharing options...
mwilkinson Posted June 4, 2017 Share Posted June 4, 2017 I can see the following scenario and I will make some assumptions so please bear with me. If you are stopped driving your vehicle and are asked to provide proof of insurance the requirement is upon you to provide such evidence. Merley stating you're insured is not enough. The law requires you to provide evidence of this. This can be a paper or electronic certificate of insurance. I assume you had neither, as most people wouldn't. The police have access to the Motor Insurers Database (MID) via the Police National Computer (PNC). They can use this to see if the vehicle is insured and to whom, although the details are often only a summary and regularly it will specify that you need to refer to the policy itself. It seems that you are not a named driver on you girlfriends policy as this would have been quite easily established and verified via the aforementioned check. Instead you are relying on third party cover on one of your own vehicles policies. This isn't generally an issue. Third party cover is fine so long as the vehicle you are using is separately insured and you have the permission of the owner or registered keeper to use the vehicle. I assume you were able to provide the registration of both vehicles you are yourself insured in so that appropriate checks could be undertaken by the Police to see if you have third party cover on another vehicle? If you did I can only assume this is not annotated on the MID which led the Police to be unable to verify that you were insured. They can also contact the Motor Insurers' Bureau (MIB) who can contact your insurance company directly to verify details of your cover if not on the MID. The issue here would be that few insurance companies are likely to have Sunday cover which would allow for this information to be provided. I suspect this may have occurred. At this point they can report you for no insurance as you have failed to provide proof of insurance and they have done everything they can (above and beyond what they are required to do according to the legislation) to assist you in providing proof of you insurance cover. It seems they have aired on the side of caution and are giving you an opportunity to provide the proof you say you have of your insurance cover at the material time. If you were covered and can prove this you have nothing to worry about. Something to note is that years ago most fully comp policies included third party cover as standard, but this is no long the case or a declining practice. Never assume you have it and always check your policy when you get it. A point I have noticed is that you were taking your partner to work. This would be a commuting clause, not covered by SDP use. It's may be that your third party cover on another vehicle will not permit you to commute to and from a place of work for either yourself or your partner and this may well be the rub. Quote Link to comment Share on other sites More sharing options...
Alex_GT Posted June 4, 2017 Share Posted June 4, 2017 What did they claim they stopped you for? Quote Link to comment Share on other sites More sharing options...
sean17650199 Posted June 4, 2017 Author Share Posted June 4, 2017 I knew about the whole commuting thing on insurance and as i had just dropped her off i said to them i was just at the shop. They were parked up at the roadside and the officer was in the middle of the road waving me in said it was just for a vehicle safety check. when i get home ill go through all my documents and try and clear stuff up just wanted to have a few things a bit clearer to make more sense of it so thanks for the input from everyone. Quote Link to comment Share on other sites More sharing options...
mwilkinson Posted June 4, 2017 Share Posted June 4, 2017 I knew about the whole commuting thing on insurance and as i had just dropped her off i said to them i was just at the shop. They were parked up at the roadside and the officer was in the middle of the road waving me in said it was just for a vehicle safety check. when i get home ill go through all my documents and try and clear stuff up just wanted to have a few things a bit clearer to make more sense of it so thanks for the input from everyone. /QUOTE] Seems like this can all be resolved quite easily. I hope it all pans out. Quote Link to comment Share on other sites More sharing options...
jazz1 Posted June 4, 2017 Share Posted June 4, 2017 I been to court before and let free, all depends what the documents state word by word. The police officer can issue all he wants, the judge decides by the documents. I would get a letter from the insurance and state they told the officer you were insurerd, they will not have a leg to stand in court so long as you provide proof. Quote Link to comment Share on other sites More sharing options...
SupraLEDrears Posted June 4, 2017 Share Posted June 4, 2017 following Quote Link to comment Share on other sites More sharing options...
Pixelfill Posted June 4, 2017 Share Posted June 4, 2017 Out of interest is your GF policy in date? you will only be covered if there is current cover for the vehicle in force, Quote Link to comment Share on other sites More sharing options...
sean17650199 Posted June 5, 2017 Author Share Posted June 5, 2017 She just renewed her policy last month and she even went on and checked and everything is in order still needing to discuss mine out to have a look at everything to see whats what. Quote Link to comment Share on other sites More sharing options...
Al Massey Posted June 5, 2017 Share Posted June 5, 2017 I was having a think about this yesterday. Is her insurance down for policy holder only? As on my supra, it is down for policy holder only, so no matter if someone else has that they can drive any car, they still can't drive mine and be insured, whereas on my missus's insurance, its not stated as policy holders only, so anyone who has fully comp and over 25 may drive her car and be insured third party only. Quote Link to comment Share on other sites More sharing options...
Shane Posted June 5, 2017 Share Posted June 5, 2017 I was having a think about this yesterday. Is her insurance down for policy holder only? As on my supra, it is down for policy holder only, so no matter if someone else has that they can drive any car, they still can't drive mine and be insured, whereas on my missus's insurance, its not stated as policy holders only, so anyone who has fully comp and over 25 may drive her car and be insured third party only. That has to be a bit of a grey area surely. My way of thinking is that if I drive your car on my insurance I get 3rd party cover and if something happens you don't get jack back for the damage but the other person does from my insurance. If it's not you who is driving then your insurers are not going to pay out..fair enough they have made it clear they cover the policy holder only. But from a legal point of view and that's what the thread is about, if my policy says I get third party cover and you are happy for me to drive your car with that, it doesn't really have anything to do with your insurers. It's insured by them when you are driving or parked up, but not with someone else driving but that's ok as their policy covers it. Quote Link to comment Share on other sites More sharing options...
Dnk Posted June 5, 2017 Share Posted June 5, 2017 https://www.confused.com/motor-insurance/your-cover/driving-other-cars-on-your-car-insurance Quote Link to comment Share on other sites More sharing options...
muckyman Posted June 5, 2017 Share Posted June 5, 2017 https://www.confused.com/motor-insurance/your-cover/driving-other-cars-on-your-car-insurance interesting, especially the bit towards the end about driving a partners or spouses car. Was not aware Quote Link to comment Share on other sites More sharing options...
Dr_Doom Posted June 5, 2017 Share Posted June 5, 2017 I've got two separate insurance policies. I just checked out of interest and one says that I can drive any car with third party cover as long as it isn't owned by my partner. The other policy says any car third party (nothing about it being a partners car). It's worth checking if you are unsure. I wonder how partner is defined in legal terms? Married, Girlfriend, living together etc... Quote Link to comment Share on other sites More sharing options...
Dnk Posted June 5, 2017 Share Posted June 5, 2017 This is what it says on my BMW's policy with Esure Driving other cars Yes - extends to policyholder only The policyholder may also drive a car that is not owned by them, or hired or leased to them under a hire purchase or leasing arrangement providing they have permission to drive the car. Cover is only in force if: - The car is insured by the owner - It is being driven in the UK, the Isle of Man or the Channel Islands - You still have your car and it has not been sold, written off or damaged beyond cost effective repair Quote Link to comment Share on other sites More sharing options...
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