John
Member
Registered: 30th Jun 03
User status: Offline
|
I'm 22 and can drive other cars tp, not had it until this year though.
|
Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
|
quote:
Originally posted by mark_gsi
this happened to my mate. he got banned.
also i would of done what brett said that way you would not get anything and your mate would take the flack. serve him right if he lied to you
|
Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
Can someone please tell me if you can insure a piece of shit group1 car, then drive a Lamborghini on these so-called "I can drive ANY car" policies...?
....and I want an informed answer, not a guess.
I ask because...
Why don't I just insure my car in my dads name (which'd be a hell of a lot cheaper!) and I get insured on a Fiat Panda, and save myself a thousand quid?
I'm sure there's a limitation on the group/value of car.
|
Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
|
you can drive it 3rd party only which means its not covered if it gets knicked and you wont get paid out in a crash
also if its parked on a public road you would get done for no insurance.
also my insurance states that i can only drive another car in circumstances like mines broke and i need to get to work or the person whos car it is was driving and fell ill so i took over
so basically you could drive a lamborgini however you wouldnt get paid out if it got knicked/set on fire, you would get done for no insurance when its parked up and it would be dificult explaining you borrowed it to go to the shops in an emergency 
[Edited on 12-06-2007 by Kerry]
|
Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
|
quote:
Originally posted by Kerry
and you wont get paid out in a crash
you will if its not your fault
|
Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
|
quote:
Originally posted by Steve
quote:
Originally posted by Kerry
and you wont get paid out in a crash
you will if its not your fault
i meant not like you do if your fully comp!!!
|
John
Member
Registered: 30th Jun 03
User status: Offline
|
quote:
Originally posted by loafofbrett
Can someone please tell me if you can insure a piece of shit group1 car, then drive a Lamborghini on these so-called "I can drive ANY car" policies...?
....and I want an informed answer, not a guess.
I ask because...
Why don't I just insure my car in my dads name (which'd be a hell of a lot cheaper!) and I get insured on a Fiat Panda, and save myself a thousand quid?
I'm sure there's a limitation on the group/value of car.
I will get my policy out when I go home and check 
|
Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
|
loaf you cant use it for your main car, thats the limitation
|
Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
|
but surely its not worth the risk it getting knicked or damaged and loosing all that money?
|
Dee
Banned
Registered: 19th Sep 01
User status: Offline
|
Wrong wrong wrong.
If you buy a shitter and insure it fully comp and then go and buy a Lambo and drive it on your shitter insurance because your covered 3rd party, you won't be insured UNLESS the Lambo is insured by a 3rd party i.e its your dads car and its insured by him.
|
Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
quote:
Originally posted by Dee
If you buy a shitter and insure it fully comp and then go and buy a Lambo and drive it on your shitter insurance because your covered 3rd party, you won't be insured UNLESS the Lambo is insured by a 3rd party i.e its your dads car and its insured by him.
I knew this, that's why I said about the Panda.
It just seems strange how an 18yr old could potentially just pop out to the shops in a 400+ bhp car.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
How can you possibly not know your mate doesnt have a full license 
|
Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
|
quote:
Originally posted by loafofbrett
quote:
Originally posted by Dee
If you buy a shitter and insure it fully comp and then go and buy a Lambo and drive it on your shitter insurance because your covered 3rd party, you won't be insured UNLESS the Lambo is insured by a 3rd party i.e its your dads car and its insured by him.
I knew this, that's why I said about the Panda.
It just seems strange how an 18yr old could potentially just pop out to the shops in a 400+ bhp car.
most,if not all insurance companies will have an age limit on this to stop that, ie direct line wont cover you until your 25
|
Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
I also realise that, Steve.
So Quinn just don't give a crap then?
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
As with the drive any car storys, your own car has to be insured fully comp & you need to have the insurance companys permission & saying so on your policy. The car you can drive is not limited but is limited to 3rd party only insurance. The car has to be insured by someone else before you can drive it.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Usually you need to phone up & ask for it, Im 25 next month & ive never had drive any car on my insurance. My old man however has but he had to phone up Admiral once he done an online quote & ask for it to be added on.
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Also as for a 18yr old 'borrowing' a 400bhp Lambo to nip down the shops...............erm how many lambo owners are going to go with letting a spotty teenager drive there 100k car 3rd party only?? Asides that Jackass guy...........probably none!!
|
LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
|
quinn automatically give tpo cover (on cars registered and insured to someone else) to people of any age, even those only insured tpft.
this is fact and as soon as i can be arsed i'll scan the relevant parts of my insurance documents from last year
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Please do because in over 7 years of driving ive never heard of that....esspecially with tpft cover!!
|
JM_16v
Member
Registered: 17th Oct 05
Location: Essex Drives: GLC63S
User status: Offline
|
right so.... buy a shitty fiat panda insure for £300 fully comp
get dad to insure skyline as hes got max no claims about £300
£600 tptf on a skyline or something.... i think a XE corsa is coming 
|
JM_16v
Member
Registered: 17th Oct 05
Location: Essex Drives: GLC63S
User status: Offline
|
im seriously thinking xe nova or corsa know 
if i crash the car that is insured on my policy as the third party but on dads as fully comp.
would he loose his NCB
[Edited on 12-06-2007 by JM_16v]
|
LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
|
yeah but if youre found to be driving this other persons car more than your own you'll get done, and if you crash you'll obviously only be covered for the other person, so a lot of money wasted on the skyline
|
Colin
Member
Registered: 4th Apr 02
User status: Offline
|
Driving other cars
If your certificate of insurance says so, we will also cover you, the
policyholder, for your liability to other people while you are driving
any other privately owned motor car which you do not own or
have not hired under a hire-purchase or lease agreement, as long
as:
1 the vehicle is not owned by your employer or hired to them
under a hire-purchase or lease agreement;
2 you currently hold a full European Union (EU) licence;
3 the use of the vehicle is covered on the certificate of
insurance;
4 cover is not provided by any other insurance;
5 you have the owner’s permission to drive the vehicle;
6 the vehicle is in a roadworthy condition; and
7 you still have your vehicle and it has not been damaged
beyond cost-effective repair.
This extension applies while being driven within the territorial
limits and only to private passenger vehicles. It does not include:
* vans;
* car-vans;
* jeep-type vehicles with no seats in the back; or
* vans adapted to carry passengers.
[Edited on 12-06-2007 by Colin]
|
Dee
Banned
Registered: 19th Sep 01
User status: Offline
|
When I got my Corsa brand new and got two years free insurance through Norwich Union the policy let me drive ANY other car at the age of 17, so a 17 year old driving a Mondeo ST24 was a bad idea in hindsight, how I survived is beyond me.
|
Butler
Member
Registered: 2nd Jun 05
Location: London
User status: Offline
|
My dad keeps telling me he will register a silly car in his name as long as I gave him money for insurance I could drive it on my quinn policy as a borrowed car but I wouldnt risk it im too honest. It comes in useful when my car is off the road and i need to get about for parts etc though.
|
