13 replies to this topic

[mateo027]

Hi,
I hope it's correct section for this q.
I need to insure S60R (group 19) for few days but the worst thing is that the driver is 25 yo (birth date is 05.1986).
All sites I know won't do this, maybe someone of you knows where it's possible.

Best regards,
Matthew

Edited by mateo027, 19 September 2011 - 07:19 .

[Lottie]

Give Aviva a try.

[mateo027]

Thanks Lottie, but they also are unable to do that.

[Lottie]

Try Swinton brokers, endsleigh, the AA and https://www.tempcove...e</strong>.aspx

[volvo]

Hi Lottie

Do you know what Clegg Gifford are like to insure with?

Cheers

[Lord B]

Lottie, on 19 September 2011 - 11:11 , said:

Try Swinton brokers, endsleigh, the AA and https://www.tempcove...e</strong>.aspx

how does system work, if vehicle is already insured?

and if its not insured then it should be sorn?

if vehicle is insured then surely you have to go as a short term named driver, otherwise say I lend my car to someone, they take out short term cover rther than go on my policy, what happen in either of the following 2 examples

1. car gets stolen from outside my house whilst insured on short term insurance by friend who is staying with me for a few days, and i only had 3rd party insurance.
2. other person who is borrowing my car, comes to visit me, and whilst parked outside my house it gets hit by an uninsured driver?

as both insurers could argue (without reading small print) that other party (or neither) were responsible for claim

Edit

I know when I went to ring with Steve, cost to add him to my insurance for a week so he could drive it abroad was sub £20 IIRC, and he's only 25 inches tall

Edited by Lord B, 19 September 2011 - 14:06 .

[Sir Drivealot]

Lord B, on 19 September 2011 - 14:03 , said:

if vehicle is insured then surely you have to go as a short term named driver, otherwise say I lend my car to someone, they take out short term cover rther than go on my policy, what happen in either of the following 2 examples

1. car gets stolen from outside my house whilst insured on short term insurance by friend who is staying with me for a few days, and i only had 3rd party insurance.
2. other person who is borrowing my car, comes to visit me, and whilst parked outside my house it gets hit by an uninsured driver?

Reading the summary it appears that the owner(s insurers) would have to claim any costs from the short term insured in the event of any incident.

Quote

If the car is a total loss or write off, we will negotiate any settlement directly with you, not the owner of the vehicle. It is your responsibility as the policyholder to clear any liability with the owner of the vehicle. Short term car insurance does not cover any liability to any party in respect of loss of use or availability of the car. Accidental Damage, Fire & Theft as identified on the policy schedule is included in all comprehensive policies but there is a limit on indemnity in respect of loss of or damage to the car as specified in the Policy Documents you receive.

[Lottie]

volvo, on 19 September 2011 - 11:25 , said:

Hi Lottie

Do you know what Clegg Gifford are like to insure with?

Cheers

Never heard of them sorry, can only assume they are a broker but one that i deal with.

[Lottie]

Lord B, on 19 September 2011 - 14:03 , said:

how does system work, if vehicle is already insured?

If the vehicle is already insured, dependant on the reason why its insured, say for eg as you say, friend wanted to borrow it for a week, providing your insurer and the friends insurer agree, then the friends insurance should deal. If no agreement was in place, both insurers should deal with 50% of the claim. Techically there should only be one policy in force but another policy is needed for different reasons and it really does depend on the insurer itself as to what their terms are.

and if its not insured then it should be sorn?

Yes it should be declared as sorn but this new law that has come in/coming in states all vehicle's have to be insured regardless of where they are kept and why they are off the road

if vehicle is insured then surely you have to go as a short term named driver, otherwise say I lend my car to someone, they take out short term cover rther than go on my policy, what happen in either of the following 2 examples

1. car gets stolen from outside my house whilst insured on short term insurance by friend who is staying with me for a few days, and i only had 3rd party insurance.

It all depends on what his insurance and your insurance company agree to. If it was my company, i would say if he was the last in charge of the vehicle, his insurance co should be liable for the cost of the claim. It all depends on what cover he has put in force ie comp, tpo or tpft.

2. other person who is borrowing my car, comes to visit me, and whilst parked outside my house it gets hit by an uninsured driver?

See above

as both insurers could argue (without reading small print) that other party (or neither) were responsible for claim

See above

Edit

I know when I went to ring with Steve, cost to add him to my insurance for a week so he could drive it abroad was sub £20 IIRC, and he's only 25 inches tall

Sorry about the above but i cant quote properly lol

It really does all depend on why that person isnt insured on your policy, why they have got insurance elsewhere and why they were using the vehicle at the time and what the circumstances were.

[Lord B]

I didn't think you could have 2 policies on one car, perhaps thats just a rumour, or old wives tale, but what happens if main insurer doesn't agree for an additional policy on car they are covering, and they also refuse to add someone else to current policy

also seems a bit obscure as to who would pay out, and only way if for the worst to happen and then see what happens

[Sir Drivealot]

Lord B, on 19 September 2011 - 16:40 , said:

I didn't think you could have 2 policies on one car, perhaps thats just a rumour, or old wives tale, but what happens if main insurer doesn't agree for an additional policy on car they are covering, and they also refuse to add someone else to current policy

also seems a bit obscure as to who would pay out, and only way if for the worst to happen and then see what happens

In terms of the summary explanation that I quoted above it would seem that the temporary insurance covers the liabilities of the PERSON they are covering.

Dual insurance of vehicles is very common indeed. Where I to borrow your car and drive it it would be been driven under my policy extension (driving other vehicles) whist still insured by your policy. Should anything happen to it whilst I am driving it my policy will cover my LEGAL MINIMUM liabilities (most extensions only being 3rd party) Any further liabilities (value of your car) would be for you to try and recover from me.


This temporary insurance just seems to be a slightly more comprehensive version of that type of cover for drivers without their own policies.

[Lord B]

Sir Drivealot, on 19 September 2011 - 17:09 , said:

In terms of the summary explanation that I quoted above it would seem that the temporary insurance covers the liabilities of the PERSON they are covering.

Dual insurance of vehicles is very common indeed. Where I to borrow your car and drive it it would be been driven under my policy extension (driving other vehicles) whist still insured by your policy. Should anything happen to it whilst I am driving it my policy will cover my LEGAL MINIMUM liabilities (most extensions only being 3rd party) Any further liabilities (value of your car) would be for you to try and recover from me.


This temporary insurance just seems to be a slightly more comprehensive version of that type of cover for drivers without their own policies.

the big point here is 'TRY' and recover, there is a knowledge when someone lends you a car to drive on your 3rd party extension that if you trash car, then its not insured, and would be down to you to sort/walk away from ( there is legally no responsibility to reimburse AFAIK, as car has been lent in full knowledge (unless some agreement is in place B4) temporary insurance seems to muddy the waters, as the owner of the vehicle is led to believe this is  beyond 3rd party extension and 3rd party is effectively fully indemnified for any occurrence,  truth may be somewhat different.

Perhaps I'm looking for problems, or playing devils advocate, I always lend my car on the acceptance that if its trashed, then so be it, with anything, my philosophy is;-

only lend what you can afford to loose, and only borrow what you can afford to replace

[Lottie]

A car can be insured in 2 places at once dependant on the reason. You could take your car to a garage for a service and it will be insured under their policy whilst in their care whilst its still on your insurance.

It really does depend on who your insured with and the reason why there is a second insurance policy in force. You couldnt have insurance with 2 companies if it was just you driving it as a rule from some insurance companies.

In insurance, the general rule is if there is insurance with 2 companies, i know our policy states we will only pay 50% of the insured loss if the same loss is covered elsewhere.

But like you say, Sir D may not be able to be covered under your insurance and wants to use your car for a week and as your insurer refuse to insurer him, he has to take reasonable steps to make sure that vehicle is insured whilst in his care so he has to do so with another insurer.

As for what cover they have, then its your responsibility to make sure your car is adequatly insured but given the person your lending it to will have no financial interest in that car as in they dont own it or have bought it, a lot of insurance companies wont pay out for it unless they agree to this prior to the policy being taken out.

[16v_paddy]

Lord B, on 19 September 2011 - 16:40 , said:

I didn't think you could have 2 policies on one car, perhaps thats just a rumour, or old wives tale

I've had experience of this before. I got told it wasn't possible to have 2 policies on a car by my insurers when I wanted to switch my policy onto my dads car for a couple of weeks.
But with what Lottie has said, it sort of makes sense now with the purpose for the insurance being in place, in my case I was just trying to transfer my normal policy onto that car for a bit to save a few quid