Pabs Posted August 16, 2006 Share Posted August 16, 2006 nickjohn - what insurance policy do you have - and who is it with? I searched and searched - and NONE of the policies i found allowed me to drive other cars until I'm 25. They ALL had a clause saying if under that age that part of the insurance was Null and Void. Quote Link to comment Share on other sites More sharing options...
Guest nickjohn Posted August 16, 2006 Share Posted August 16, 2006 I'm with Quinn Direct, it's just called a 'Private Motor Vehicle Policy' I've taken a photo of my policy document showing exactly what it says: And my insurance certificate does say so Quote Link to comment Share on other sites More sharing options...
Pabs Posted August 16, 2006 Share Posted August 16, 2006 so ur insurance certificate states you can drive the toyota supra? Doesnt point 3 in that list state that the car you intend on driving must be declared on the certificate of insurance? or am i mis-understanding? Quote Link to comment Share on other sites More sharing options...
Pete Posted August 16, 2006 Share Posted August 16, 2006 Doesnt point 3 in that list state that the car you intend on driving must be declared on the certificate of insurance? Which - the owners certificate or yours? It's not very clear. "Your liability to other people" sounds like they'll pay 3rd party only. Quote Link to comment Share on other sites More sharing options...
Pabs Posted August 16, 2006 Share Posted August 16, 2006 TBH i find it very difficult for a loop-hole like this to exist - otherwise every 17 yr old will be driving their dads supercar while paying a measily 100 notes insuring a metro 1.1...? Still, i suppose its possible - but hope you'll be ok with coughing up for the repair costs to the supra if it happens. Quote Link to comment Share on other sites More sharing options...
Pete Posted August 16, 2006 Share Posted August 16, 2006 TBH i find it very difficult for a loop-hole like this to exist - otherwise every 17 yr old will be driving their dads supercar while paying a measily 100 notes insuring a metro 1.1...? Exactly, there are no insurance tricks to fully comprehensive cover. They'll refuse to pay out with gritted teeth whatever you try. Even as a named driver on a fully comprehensive policy its questionable if proven you're in fact the main user of the car and not the policy holder. You'd have to show you have use of another vehicle most of the time. Oh to be young and naïve again. Quote Link to comment Share on other sites More sharing options...
Guest nickjohn Posted August 16, 2006 Share Posted August 16, 2006 Yes its just 3rd Party fire and theft I'm not insuring a 1.1 metro, its a group 10 106 XSI I'm paying over £1300 a year No I'm not naive, its there, in writing Quote Link to comment Share on other sites More sharing options...
Guest nickjohn Posted August 16, 2006 Share Posted August 16, 2006 Also, I do know of other people who have done this before... Quote Link to comment Share on other sites More sharing options...
Pabs Posted August 16, 2006 Share Posted August 16, 2006 its not 3rd party fire and theft - if u read the doc u copied - its liability to third party only- if the car catches fire or is stolen you are not covered. EDIT: I have a quinn direct policy in front of me (a colleagues) and his is the same. Quote Link to comment Share on other sites More sharing options...
Pete Posted August 16, 2006 Share Posted August 16, 2006 its not 3rd party fire and theft - if u read the doc u copied - its liability to third party only- if the car catches fire or is stolen you are not covered. Or you crash into someone else then your car isn't fixed! Try explaining that to your dad. (Of course if it's not actually his car he won't care ) Quote Link to comment Share on other sites More sharing options...
Guest nickjohn Posted August 16, 2006 Share Posted August 16, 2006 Sorry yeah, my mistake, its only fire and theft on my car... Quote Link to comment Share on other sites More sharing options...
Pabs Posted August 16, 2006 Share Posted August 16, 2006 that makes more sense now - still wouldnt want to risk it myself! Quote Link to comment Share on other sites More sharing options...
Guest nickjohn Posted August 16, 2006 Share Posted August 16, 2006 Yeah I agree, it is a bit of a risk, for me its worth it though its every 18 year old's dream to own a car like this and I'm gunna make it happen Quote Link to comment Share on other sites More sharing options...
Supradan Posted August 16, 2006 Share Posted August 16, 2006 I tried to get away with this when i was young and naive and was told the other car ie the supra must be insured by someone So if you were ins on pug and you borrowed yer mates supe that he ins then you would be ok but if there is no policy for the supra its not coverd by your ins May have changed since then but thats what an ins broker told me Quote Link to comment Share on other sites More sharing options...
Chris Wilson Posted August 16, 2006 Share Posted August 16, 2006 I tried to get away with this when i was young and naive and was told the other car ie the supra must be insured by someone So if you were ins on pug and you borrowed yer mates supe that he ins then you would be ok but if there is no policy for the supra its not coverd by your ins May have changed since then but thats what an ins broker told me This is still the case, and they WILL check to see if you are just an occasional user, or if it's effectively your car. They aren't stupid, if you *iss them around they WILL screw you rather than pay out. They will go to vast lengths rather than be ripped off on a big claim, and it's big claims that you really insure against... Quote Link to comment Share on other sites More sharing options...
fat_controller Posted August 16, 2006 Share Posted August 16, 2006 get a uk car and you'll be sorted, i paid 1200 fully comp when i was 20 and with 2 years no claims. i'm sure if u can sought out 1 years no claims and a years driving experience you'll get it for 2.5k, thats not so bad is it. try bell.com they are pretty good for uk cars Quote Link to comment Share on other sites More sharing options...
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