Does UK car insurance cover driver or vehicle?

If I drive my partners car am I covered? Similarly, if I go buy a hand car to 39 do up 39 am I insured to drive it to my home? My insurance is due renewal in a weeks time I 39 ve quotes driving cars as of features of insurance

Responses:

Depends on your present insurance policy - contact your insurer and ask
UK car insurance is usually restricted on both car and drivers. Most policies will cover named drivers on one car only. Some will cover the policyholder but generally not other named drivers third - party only to drive other cars - usually described as vehicles "not owned by the policy holder or hired to him under a hire purchase agreement". Some restrict this cover to emergency situations only e. g. you are in a friend's car miles from home when the friend becomes too ill to drive. It depends on the wording of the policy whether or not it covers you to drive your partner's car - and in any case that cover will be for third - party claims only. If you need to drive your partner's car regularly you should get them to add you as a named driver on their policy. If you buy a second car, because that car is owned by you, you will not be covered unless you specifically request your insurer to add it some will provide temporary cover
Be very careful and read the fine print carefully. It is a myth that the holder of a comprehensive policy is automatically covered to drive other vehicles with third - party cover. You will probably find that you may drive other vehicles which do not belong to you or are not leased to you, with third - party cover only and only in an emergency. In addition, the other vehicle must already be insured. To drive your partner's car you should get her to add you to her cover. With regard to the "new" car, speak to your insurers and they may or may not add it to your cover temporarily for the "get you home" exercise. Do be careful, in some areas a car can be seized if the insurance is not spot - on. The myth about "blanket cover" has been around for years and, I am afraid, is just that - a myth. Insurance companies long ago got wise to little Johnny driving dad's Ferrari on his Corsa insurance
if you drive your partners car you are only coverd third party. if you buy a second hand car you are not coverd to drive it once you buy it get in touch with the insurance co and get them to cover it to drive home
Generally the policy holder of a comprehensive policy will be allowed to drive another vehicle 'not owned by them' on a 3rd party basis. That said you need to read exactly what your policy covers you to drive. If you have any doubts contact your insurance company
The golden rule with insurance here in the UK, is if in doubt ask the insurance company! If something has changed declare it! Insurance companies are out to make money, so do not risk losing cover for little things. My spouse recently got a legal summons from a 3rd party claiming a couple thousand pounds for loss of earnings and damage to car for an accident she was involved in a year ago. Am I glad I had legal cover on my policy!
If you have Fully Comprehensive Insurance, you are covered T. P. F & T on any car that you drive, that doesn't belong to you, providing of course you have the owners permission. As for driving the 2nd hand car, I am sure if you inform your insurance provider of your intentions they will issue a temporary cover note for the one journey. As for insurance companies offering ''driving other cars'', they will just charge you extra for something you can do anyway. I have changed my Insurance Policy every year since I bought my current car just over 2 years ago, I used Tesco Compare to search, and this year I am paying less than I was 2 years ago for a better policy, and I am 44 with a clean licence and 10 years Protected No Claims. Hope that helps
It depends from your company and policy. For example, my insurance autoinsurance. maclenet.com, London provide such a service for 2 week
Allways the driver never the vehicle a policy will cover policy holder only policy holder & spouse policy holder any driver policy holder named driver s Your own policy may let you drive vehicles not registered to you with the vehicle owners permission but this is getting rarer these days but even if your policy is F / Comp you cover is limited to T / P only the safest thing to do would be to contact you insurance company / broker for clarification good luck best wishes

Tags: insurance, temporary, print, year, leased

Follow this dicussion..

Related Images:

Knowledge Base

where a loan bad credit?

very few places. and it really depends upon how "bad" your credit may be. not very many places, some car places now do the loans with high interest rates for people with. very few places. and it really depends upon how "bad" your credit may be. if you have collateral, (new car prices)

Do you think using recycled scrap metal from cars & trucks would work to hopefully insure cheaper car prices?

metals are at a boom right now but, gas prices are turning americans inside out literally to search for must needed extra money to pay for gas. bur, what if instead of leaving cars to rot in abandoned car lots. we recycle the car and trucks to make new more (bad credit auto loan)

Will I be able to drive a 2 - wheel drive rental car from RNO airport to South Lake Tahoe in late January?

the rental price for a full - size vs an suv quite substantial suv costs more than 3 times of a full - size chevy impala - type car. we will be going to south lake tahoe in late january, for 3 days. my husband has some experience driving in (auto insurance quotes)

Related Images:

Knowledge Base: Car Insurance

What is a cheap car insurance company in Texas?

i am looking to find a cheap insurance company to insure my car. i was paying 116 a month for it at the general and i was wondering if anyone knew of a cheaper place. accc insurance. i recommend you this site where you can compare quotes so you can (car insurance cover)

Where can I get a good car insurance quote?

i have full coverage with aig, but i its too high. tried geico, its about the same quote. liberty mutual is the cheapest. i use to be with allstate. there are several ways that you can consider. call your local agent or do the online quote yourself. take which way, (auto insurance quotes)

How can i get a lower car insurance quote?

im looking for cheap car insurance. im 16 and i have a 1994 oldsmobile bravda and im trying to get cheap insurance. i have gotten quotes from several insurance companys and wanted to know if there is a way i can make it lower. raise your dedcutible & stay away (compare car insurance)

Does comprehensive car insurance cover others not on the policy?

my brother has a full comprehensive uk car insurance. can i drive his car and be covered by the insurance even though i am not listed on the insurance and live at the same address. i have a full uk license, he claims i am covered because he gives me (auto insurance quotes)

What is a cheap car insurance company in Texas?

i am looking to find a cheap insurance company to insure my car. i was paying 116 a month for it at the general and i was wondering if anyone knew of a cheaper place. all insurance are gonna take everyone differently. it'd be best to just shop around until (auto insurance)

Related Images:

Knowledge Base: Car Insurance Cover

Does car insurance cover expenses results of a car accident drive instruction permit?

if fault is yours for accident and you hit a car then does your insurance company pay for the damages ? i know it was silly to drive alone but i had an exam and nobody around to come with me. car is mine which is salvage now. now the (car insurance cover)

Does UK car insurance cover driver or vehicle?

if i drive my partners car am i covered? similarly, if i go and buy a 2nd hand car to 'do up' am i insured to drive it back to my home? my insurance is due for renewal in a few weeks time and i have seen quotes that list (car insurance cover)

What repairs will my car insurance cover?

i never had car insurance or a car untill just recently so i do not know what good my insurance is, its just liability, the cheapest their is. how do i know if my car insurance will cover this repair?. you need to get the explained from the place where (car insurance cover)

My bicycle got stolen will car insurance cover it?

i am 15 and my bike got stolen friday night. i forgot to lock it up. it was electra and it was $707. 00. i haven't told my parents yet. will their car insurance cover it? something totally irrelevant to this, i also missed the bus today and did not (car insurance cover)

What repairs my car insurance cover?

i never had car insurance or a car untill just recently so i do not know what good my insurance is, its just liability, the cheapest their is. how do i know if my car insurance will cover this repair? btw i wasent in any accident, this damage was already (car insurance cover)