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A colleague was stopped by the Police last week – “a random tyre check, sir” – when he was driving a borrowed car. The tyres were fine but when asked for his insurance details, it transpired that he’s not covered to drive other people’s cars. Apparently, more and more insurers are withdrawing this third-party cover and not bothering to make it clear to the customer. “Not a lot of people know about it yet, sir,” said the weary policeman. “We have this problem a lot.” I’ve checked my own policy and it says that “the Policy Holder is insured whilst driving any motor car not belonging to him and not hired to him… (blah, blah)”. I assume him covers her? It’s the usual thing.
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I have recently renewed my anual insurance, and although I was issued with a basic 3rd Party cover note I am still awaiting my copy of the full policy agreement.
I contacted my insurance company yesterday via email and phone-call, and asked them to confirm whether or not I am covered for driving any car, or whether or not my car is covered for any driver.
The response was that I can soon expect to receive a copy of my policy agreement…..
AlfaMartini | 27 Nov 07 - 17:52Hmmm. Interesting. Maybe the problem isn’t as widespread as the policeman made out. I’d be keen to hear what the outcome is when you do get your policy through.
Charis Whitcombe | 29 Nov 07 - 14:19I Spoke to the manager of my insurance company today, and he has promised to personally arrange for a copy of my policy to be couriered to my office within the next two working days…. hmmm - I wont hold my breath.
More importantly, in answer to my questions he has assured me that my policy provides 3rd party covererage for me to drive vehicles other than my own, and also for other drivers to drive my car, although 10% of any claim would be void if the other driver were to be under the age of 25 years…. so that’s all-right then!
AlfaMartini | 05 Dec 07 - 14:16