!!!!Insurance that allows you to drive any car 3rd party????
12-01-2007, 12:41 PM
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!!!!Insurance that allows you to drive any car 3rd party????
Which insurance companies will allow you to drive any other car 3rd party when your insured with them, for under 25's!?
having a nightmare as my insurance company have just stopped offering this
help would be massively appreciated!
having a nightmare as my insurance company have just stopped offering this
help would be massively appreciated!
12-01-2007, 01:02 PM
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Matt i think you may be right there, why do you think he has a Smart car aswell 
Dom iam insured with Swift.com and it covers me to drive a car not belonging to me and it must also be insured by the owner too.
Dom iam insured with Swift.com and it covers me to drive a car not belonging to me and it must also be insured by the owner too.
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12-01-2007, 01:16 PM
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Originally Posted by JAP CRAP
Matt 
Ross. your 25 though right? dont spose you know if they'll do it for under 25's?
Ross. your 25 though right? dont spose you know if they'll do it for under 25's?
Not sure mate i carnt find it on the policy
12-01-2007, 02:36 PM
#15
Monte 087
Originally Posted by Brian
I am with HIC and can drive any car 3rd party 
Brian
Brian
12-01-2007, 02:56 PM
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The car has to be insured by someone else, and when you read the small print, you can only drive other cars with smaller engines than your own. Almost all insurers do this now, to stop people insuring Pandas, and driving about in Imprezas. I dont know any company who doesnt do that.
12-01-2007, 03:04 PM
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cheers for the replies. just had a reasonanable quote from HIC, gona go with that. He said I could even go on track with the policy - I was thinking, dude, its a fuck me smart car!
12-01-2007, 03:10 PM
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Originally Posted by vroomtshh
The car has to be insured by someone else, and when you read the small print, you can only drive other cars with smaller engines than your own. Almost all insurers do this now, to stop people insuring Pandas, and driving about in Imprezas. I dont know any company who doesnt do that.
and I also drive a 2.0 litre cossie and a 4.4 litre v8 bmw! cheers for pointing that out, ill check with them!
12-01-2007, 03:24 PM
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Quinn Direct Im with, a traffic cop stopped me in my dads cossie the other week , when all was explained to him he actually rang quinn direct in ireland and asked them if they were happy knowing one of there policy holders was " tearing about" in england in a Group 20 Cosworth on a fiesta LX policy, young lass went and asked her supervisor and came back and said" yeah provided he has the owners consent" 
fucking cunt tried to grass me 
cossie the other week , when all was explained to him he actually rang quinn direct in ireland and asked them if they were happy knowing one of there policy holders was " tearing about" in england in a Group 20 Cosworth on a fiesta LX policy, young lass went and asked her supervisor and came back and said" yeah provided he has the owners consent" fucking cunt tried to grass me
12-01-2007, 03:37 PM
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fair play to the supervisor at quinn and
to the copper, what a complete cunt!I hope that doesnt ever happen to me in my mums
cossie
12-01-2007, 04:10 PM
#25
just finding my feet
car dont have to be insured unless its left on the road
as for the smaller engine thing,,, thats ALSO a myth,,,, seriously soo many people quote shite from the pub/made up in there little tiny hating heads
the policy ONLY states " can drive other cars thrid party",,,,, no aserix . tiny print, special hand shake
old bill try to set you up as mr brannen said BUT even if they said NO the FACT of the matter is THEY WOULD BE WRONG !!!
take it to court and it will be binned out of court based on what the documents state,,,,,, mine dont say about other car needs to be smaller engined, older, worth less, lesser seats.non metalic paint, no fury dice and washed 4 times a week at a turkish car wash
ffs stop listening to shite and READ THE POLICY DETAILS,,,,,,, the internet saddo aint a fucking judge,,,,,, the insurance is YOUR defence,,,, you win fucking end of storey
insurance companys LOVE you sad wankers who hate people for saving a few quid,,,,, bet you grass people up for parking in disabled bays at the supermarket too
oh btw my bmw has a fully comp policy all details correct and everything declared,,,,, as in theres no mods to it,,,,, i just understand WHY people do this,,,,, not like insurance as EVER gone down,,,,, it ALWAYS goes up each year !!!!
as for the smaller engine thing,,, thats ALSO a myth,,,, seriously soo many people quote shite from the pub/made up in there little tiny hating heads
the policy ONLY states " can drive other cars thrid party",,,,, no aserix . tiny print, special hand shake
old bill try to set you up as mr brannen said BUT even if they said NO the FACT of the matter is THEY WOULD BE WRONG !!!
take it to court and it will be binned out of court based on what the documents state,,,,,, mine dont say about other car needs to be smaller engined, older, worth less, lesser seats.non metalic paint, no fury dice and washed 4 times a week at a turkish car wash
ffs stop listening to shite and READ THE POLICY DETAILS,,,,,,, the internet saddo aint a fucking judge,,,,,, the insurance is YOUR defence,,,, you win fucking end of storey
insurance companys LOVE you sad wankers who hate people for saving a few quid,,,,, bet you grass people up for parking in disabled bays at the supermarket too
oh btw my bmw has a fully comp policy all details correct and everything declared,,,,, as in theres no mods to it,,,,, i just understand WHY people do this,,,,, not like insurance as EVER gone down,,,,, it ALWAYS goes up each year !!!!
12-01-2007, 04:25 PM
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I'm with Bell. Cost's about Ł30 extra to be 3rd party on anything else. I'm only 3rd party fire and theft on my own car too. It's handy (especially as my car keeps playing up).
12-01-2007, 04:30 PM
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Originally Posted by JAP CRAP
Originally Posted by vroomtshh
The car has to be insured by someone else, and when you read the small print, you can only drive other cars with smaller engines than your own. Almost all insurers do this now, to stop people insuring Pandas, and driving about in Imprezas. I dont know any company who doesnt do that.
and I also drive a 2.0 litre cossie and a 4.4 litre v8 bmw! cheers for pointing that out, ill check with them!surely though unless its a traders policy, the cossie and the bmw need to be insured by someone else to enable you to drive them 3rd party only?
12-01-2007, 05:02 PM
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Matt, might be a good bet for you then as you NEVER boot it. Your mum told me you still think your cossie is naturally aspirated
wouldnt be overly fussed if I binned it anyway, would just put the lump in something else
surely though unless its a traders policy, the cossie and the bmw need to be insured by someone else to enable you to drive them 3rd party only?
They are insured by someone else 
wouldnt be overly fussed if I binned it anyway, would just put the lump in something else
Originally Posted by Dicko&Sarah
surely though unless its a traders policy, the cossie and the bmw need to be insured by someone else to enable you to drive them 3rd party only?
12-01-2007, 05:27 PM
#32
just finding my feet
Originally Posted by cozmeister
Originally Posted by Ginge !
im insured by nnorwich union BUT,,,,,, im a old cunt,,,,, sorry no help am i
12-01-2007, 05:39 PM
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Originally Posted by JAP CRAP
Matt, might be a good bet for you then as you NEVER boot it. Your mum told me you still think your cossie is naturally aspirated
12-01-2007, 06:39 PM
#34
Originally Posted by Ginge !
Originally Posted by cozmeister
Originally Posted by Ginge !
im insured by nnorwich union BUT,,,,,, im a old cunt,,,,, sorry no help am i
13-01-2007, 08:45 AM
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The other car(Cossie) has to be insured , obviously for you to be on the road driving it, why you ask, cause what if u park it up on a hill, the handbrake lets go and it rolls down into another car 
aint your fault cause you werent driving it so who is it down to......the owner of the cars policy itself , and your "lesser" car obviously needs to be insured by you to get the policy to drive the fookin Cossie, and what a load of crap about it needing to be less powerfull , its the policy not the car that counts mate, that said less n less companies are doing it now and within 2-3 years u wont be allowed to do this sort of thing, but who cares Ive built up nearly 4 yrs no claims so I`ll be putting the Cossie in my own name next yr cause my little bro(18) wants an M3 Convertible and needs to use my dads name on the policy and he cant have 2 policys now can he
aint your fault cause you werent driving it so who is it down to......the owner of the cars policy itself , and your "lesser" car obviously needs to be insured by you to get the policy to drive the fookin Cossie, and what a load of crap about it needing to be less powerfull , its the policy not the car that counts mate, that said less n less companies are doing it now and within 2-3 years u wont be allowed to do this sort of thing, but who cares Ive built up nearly 4 yrs no claims so I`ll be putting the Cossie in my own name next yr cause my little bro(18) wants an M3 Convertible and needs to use my dads name on the policy and he cant have 2 policys now can he
13-01-2007, 03:29 PM
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Originally Posted by Mr Brannen
The other car(Cossie) has to be insured , obviously for you to be on the road driving it, why you ask, cause what if u park it up on a hill, the handbrake lets go and it rolls down into another car aint your fault cause you werent driving it so who is it down to......the owner of the cars policy itself , and your "lesser" car obviously needs to be insured by you to get the policy to drive the fookin Cossie, and what a load of crap about it needing to be less powerfull , its the policy not the car that counts mate, that said less n less companies are doing it now and within 2-3 years u wont be allowed to do this sort of thing, but who cares Ive built up nearly 4 yrs no claims so I`ll be putting the Cossie in my own name next yr cause my little bro(18) wants an M3 Convertible and needs to use my dads name on the policy and he cant have 2 policys now can he
aint your fault cause you werent driving it so who is it down to......the owner of the cars policy itself , and your "lesser" car obviously needs to be insured by you to get the policy to drive the fookin Cossie, and what a load of crap about it needing to be less powerfull , its the policy not the car that counts mate, that said less n less companies are doing it now and within 2-3 years u wont be allowed to do this sort of thing, but who cares Ive built up nearly 4 yrs no claims so I`ll be putting the Cossie in my own name next yr cause my little bro(18) wants an M3 Convertible and needs to use my dads name on the policy and he cant have 2 policys now can he no mention of engine size!? that silly.
yr dad can have 2 policies, i do. one for vectra and one for cossie.
13-01-2007, 07:18 PM
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[quote="vroomtshh"]The car has to be insured by someone else, and when you read the small print, you can only drive other cars with smaller engines than your own. quote]
bollox show me the small print please
so some with a 1.8 diesel escort for instance can drive a 300bhp fiesta turbo as the engine size is smaller. but then the guy with the fiesta can't drive the 65bhp diesel because the engine size is bigger.
bollox show me the small print please
so some with a 1.8 diesel escort for instance can drive a 300bhp fiesta turbo as the engine size is smaller. but then the guy with the fiesta can't drive the 65bhp diesel because the engine size is bigger.
13-01-2007, 07:50 PM
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Smit. Its been out for a couple of times but its not running right. Gona change a few bits over and hope that sorts it out. if it doesnt Im putting a match to it .