benporter

iTrader: (1)

what insurance companys let you drive other cars? as third party cover?

Thanx

Edited to say im 22

benporter

iTrader: (1)

do swinton?

Gary F

iTrader: (1)

Most do if your fully comp and over 25

SassyRS

yeh most fully comp policies do

Dan

HIC do, i've had it on the Series 1 for a year now since i was 22!

You'll have to ask the individual company though Ben, it can vary from policy to policy and not all Comprehensive policies offer it mate

iansoutham

Most insurance companies are removing the entitlement for DOC. CIS, for example, removed it on all policies and only put it in the policy document and have not told customers. We have had a lot of people claiming for damage when driving another car, only to find out they are not insured. It is causing problems, believe you me.

More Than will cover other cars, although it may depend on age, Elephant will providing you are not related in ANY way to the motor trade. HIC will, although the excess is normally increased to cover their risk, along with sometimes quite a hike in policy premium.

Dan

Well I deal with 'most' Insurance Companies every day and have heard nothing of the sort?

I asked HIC to remove it and the premium didn't change on my policy

Plus, i'm SURE that a big company like CIS cannot retract certain cover's and then not notify anyone of it? I'm sure the FSA would have something to say about it don't you!?

Glen1909

I worked in insurance for a couple of years and every company I dealt with it was COMP over 25 only.

I am 21, 2 years bonus with HIC Herts on TPFT and I have driving other cars cover. Insurer is Chaucer.

I recommend HIC HERTS as well, best company I have ever been with. They listen to what you need and they do it, and nothing is too much trouble.

iansoutham

Then they either gave the cover free or aren't stupid and kept the difference (never said it would be millions, did I?)

CIS are NOT retracting cover without telling anyone, it is in the revised statement which everyone SHOULD read @ renewal time, but NO-ONE ever does. I do emphasise that it is not retracted mid-policy, only @ renewal.

If you do deal with them all the time, ask your friendly motor engineer or rep, they will confirm it, my engineer that comes into my bodyshop 3 times a week has, and I've seen it in writing, too!!!! I have also had customers where claims have been thrown out because of it, causing no end of trouble.

On a separate note, dealing with "most" insurance companies, you will also be aware of the deal struck between Allianz Cornhill and a major national salvage agent, whereby any vehicle over 5 years old is to be fitted with "reclaimed" (read 2nd hand) parts where possible. Being trialled @ the moment, and to go national this year. Comments welcome!

Daveesaunders

I'm with Adrian Flux and had to wait until I was 25 before they could add it on to my policy due to my Cossie being modified had it been standard they would have added it straight on when I was 23.

timrud

TBH the second hand car bits might be good, as it could save some older cars from been written off for fuck all.

JamesH

iTrader: (21)

I'm with Quinn-Direct and I'm 17 and they let me providing I've got an EU license?

How do i go about getting a full EU license??

Madbradz

Its the same as a full uk licence, I phoned and found out! as I wasnt sure.

also I got stoped in a mates car that I was told was insured.. It wasnt Copper took 1 look at *can drive other cars* and said on your way

JamesH

iTrader: (21)

Thats well good if they're the same

benporter

iTrader: (1)

ive been told Quinn-Direct have stopped the drive other cars ?

JamesH

iTrader: (21)

Well I took out my policy with them last September, 17, No NCB TPF&T

The girl on the phone said I can drive other peoples cars 3rd party and it says so in my policy too (with this full EU license codswollop)

Ring and ask 'em mate

Now I'm 6 months through, does anyone know if you can phone them and just pay the rest of the policy off instead of monthly installments?

iansoutham

Not really, if you get a door for example, not in the right shade / colour, you have got to rub back, prep, prime and paint it, inside and out, strip the door first if necessary, check for rust internally (as you have to guarantee it), remove any dents, and make sure it fits well. If not, you have to return it (24-48 hour turnaround) and start again. All @ an average £35 per hour rate to the insurance company, or take a new door, scotch it back, paint and fit. The difference will be neglible to the insurance company, but time will be increased for bodyshop (who have to guarantee it for 3-5 years or however long the insurance company request).

Also, remember that the customer is expecting a NEW part in the 1st place, so it must be spot-on.

iansoutham

Not really, if you get a door for example, not in the right shade / colour, you have got to rub back, prep, prime and paint it, inside and out, strip the door first if necessary, check for rust internally (as you have to guarantee it), remove any dents, and make sure it fits well. If not, you have to return it (24-48 hour turnaround) and start again. All @ an average £35 per hour rate to the insurance company, or take a new door, scotch it back, paint and fit. The difference will be neglible to the insurance company, but time will be increased for bodyshop (who have to guarantee it for 3-5 years or however long the insurance company request).

Also, remember that the customer is expecting a NEW part in the 1st place, so it must be spot-on.