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Jan 26, 2011 19:19:44 GMT
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The insurance is provided by your policy. If the policy says it covers driving other vehicles then that policy covers driving another vehicle, its as simple as reading the words in the English language! I don't understand how so many internetz folks have made it so complicated. I queried this extensively with my insurance company by phone at lunchtime. Things on TV programmes are not always what they seem. I remember Scrapheap Challenge stating that twin engine vehciles were illegal on the road and now everybody thinks that is true? Another TV myth. Checked that with VOSA myself and got it in writing. The story on Police Camera Action may have been mixed up, misreported or missing the bit where it turns out neither of them were insured. Sadly these programmes are not "quality journalism" I saw that. The real reason he wasn't insured was because the car itself had no policy covering it, not even one covering other drivers but not him. His insurance would only cover him on other cars if there was a policy in place on it. It's a misconception a lot of people have. Most domestic policies that allow you to drive other cars not on that policy need to have some insurance in place on it.
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Jan 26, 2011 19:20:20 GMT
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Need to get this into the Wiki ... need to do a minor fix on the wiki first though. Could I suggest the Useful Threads archive?
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Jan 26, 2011 19:23:50 GMT
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Top post ;D Feel free to claim several brownie points on your way to the bar ;D The insurance is provided by your policy. If the policy says it covers driving other vehicles then that policy covers driving another vehicle, its as simple as reading the words in the English language! I don't understand how so many internetz folks have made it so complicated. I queried this extensively with my insurance company by phone at lunchtime. Yep, should be simple but it causes a lot of confusion and doubt Does anyone know where I can get a definite answer from an Insurance company? I checked this with my insurers just to make sure. They were able to give definite answers which is good news. Unfortunately I had 2 different answers from the same insurance company - if they don't know then who does Links to a couple of Police discussions for background info, it seems like we're not the only ones who get conflicting information ps Don't believe everything you read on t'internet www.policespecials.com/forum/index.php?showtopic=104602www.ukpoliceonline.co.uk/index.php?/topic/41772-driving-other-vehicles-under-your-policy-with-3rd-party-cover/www.policespecials.com/forum/index.php?showtopic=98468(mods - hope this is ok? let me know if not )
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30psi
Posted a lot
Posts: 1,024
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Jan 26, 2011 19:26:37 GMT
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Alastair, that information is quite misleading there's no Cat X for starters within the code of practice. There is likely to be a revision of the descriptions used by the data agencys in the future (if you want more info PM me). The guidance for Cat A's and B's is that the insurer should try their best to avoid them seeing the road. That's all there is to it, there's nothing by law. All the info on the net is wrong, although someone through work sent me this www.glassguide.co.uk/News/GlassGuideNews/?News=1289 which indirectly confirms what I'm saying. The article is misleading, as there aren't many Cat B's returning to the road, its just marketing spin to encourage vehicle checks. The code of practice recommends they don't return Cat B's thats all.
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Last Edit: Jan 26, 2011 19:29:46 GMT by 30psi
1962 Ford Thunderbird 6.4L
1981 Datsun Bluebird SSS CA18DET
1981 Datsun Bluebird SSS SR20DE
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30psi
Posted a lot
Posts: 1,024
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Jan 26, 2011 19:28:32 GMT
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Does anyone know where I can get a definite answer from an Insurance company? There isn't likely to be a definitive answer on this. DOC isn't an official piece of cover. It's like a little add on some insurers do. One insurers view on what is covered may be different to another. It's important to read Terms & Conditions.
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1962 Ford Thunderbird 6.4L
1981 Datsun Bluebird SSS CA18DET
1981 Datsun Bluebird SSS SR20DE
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Jan 26, 2011 20:15:26 GMT
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The DOC thing varies between insurers. I used to have 3 policies with 3 different insurers in UK at one point. One specifically excluded driving other cars, the other stated that I could drive any car regardless of it being covered r not by its owner, and the last stated I could drive other cars providing it was already insured for third party risks. - Check your own policy for the definitive answer in your own case, which will not necessarily apply to anyone else even if inured by the same company.
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1986 Panda 4x4. 1990 Metro Sport. 1999 Ford Escort estate.
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Jan 26, 2011 20:31:52 GMT
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The DOC thing varies between insurers. I used to have 3 policies with 3 different insurers in UK at one point. One specifically excluded driving other cars, the other stated that I could drive any car regardless of it being covered r not by its owner, and the last stated I could drive other cars providing it was already insured for third party risks. - Check your own policy for the definitive answer in your own case, which will not necessarily apply to anyone else even if inured by the same company. Correct answer My experience is that most appear to want some form of insurance in place. I suppose technically it will have to soon with the whole surrendering tax if it's not insured thing.. But I'll not drag this thread off topic My favourite insurance broker at the moment.. Brentacre. www.brentacre.co.uk
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...proper medallion man chest wig motoring.
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Jan 26, 2011 20:47:25 GMT
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Oops Posted reply into wrong post
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Last Edit: Jan 26, 2011 20:49:46 GMT by nomad
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Jan 26, 2011 21:03:11 GMT
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Good work....really interesting, especially the driving other cars,very very suprising. ;-o
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Jan 26, 2011 21:05:00 GMT
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Driving other carsSo much is talked about this on the internet it is untrue, and so much opinion is offered which is rubbish. These are TeH faXxTz: (and I checked these out again today, 26/1/11): The other vehicle does not need to be insured by anyone else. OK, if it isn't you will flag up on an ANPR check, but if you have this cover extension on your policy then your insurance covers you to drive any car which is not owned by you, leased to you, rented by you or under a hire-purchase agreement with you. The cover is in place while you are “in charge of the vehicle”. So if you borrow a car off a mate, it has no insurance on it but your insurance covers “driving other cars” then you are covered. If you stop, park it in the street and go buy some sweets from the corner shop, it is still insured in the eyes of the law as per the Road Traffic Act as you are deemed to be “in charge” of the car even though you are not in it at the time. Of course as its is only insured at third party only risk there is no actual cover in place should it be stolen or burnt or damaged by an unknown third party. Ah thanks for clearing this up I was under the impression the car had to me insured by someone else. I'm planning on buying another car come april providing it has tax and mot does this mean I can drive back said car without taking insurance out yet seeing as my policy does cover me to drive other Vehicles?
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Jan 26, 2011 21:45:22 GMT
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Very informative thanks mate.
I would just add though that as regards Commercial buisiness insurance a good broker will help no end. I have a hilux which i needed to insure for 'buisiness use' as it was my company car. I'm a civil engineer and in the end the broker managed to set me up as a single man business and sort it that way. Wasn't too bad either, £780 pa for 40k miles a year and being all over the country at 35 with 8yrs NCB.
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1980 Derby GLS 1992 Rover 216 Gti - Sold 2006 Hilux - Sold (boo hoo) need a 2wd pickup. Anyone? 2009 Avensis Tourer - Gone 1993 Mk1 Golf Cabby 1983 mk1 golf. Project rust bucket 1998 Toyota Corolla. Project crash repair 2007 Volvo V70. Daily for sale!
Looking for a winter project - any suggestions?
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Jan 26, 2011 22:31:58 GMT
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The insurance is provided by your policy. If the policy says it covers driving other vehicles then that policy covers driving another vehicle, its as simple as reading the words in the English language! I don't understand how so many internetz folks have made it so complicated. I queried this extensively with my insurance company by phone at lunchtime. Things on TV programmes are not always what they seem. I remember Scrapheap Challenge stating that twin engine vehciles were illegal on the road and now everybody thinks that is true? Another TV myth. Checked that with VOSA myself and got it in writing. The story on Police Camera Action may have been mixed up, misreported or missing the bit where it turns out neither of them were insured. Sadly these programmes are not "quality journalism" I saw that. The real reason he wasn't insured was because the car itself had no policy covering it, not even one covering other drivers but not him. His insurance would only cover him on other cars if there was a policy in place on it. It's a misconception a lot of people have. Most domestic policies that allow you to drive other cars not on that policy need to have some insurance in place on it. Not according to my insurance company. I specifically asked if this was the case and they said no. If you are insured then you are insured. The car needs no separate insurance. I guess as others have suggested there may be terms varying between insurers. best to ask your own insurance for your own piece of mind.
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Last Edit: Jan 26, 2011 22:33:44 GMT by akku
1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1994 Ford Fiesta
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top post and thanks for taking the time to write it. i can't get insurance for another vehicle not owned by me third party because i'm in the motor trade. the irony is in the 24 years iv'e been a mechanic iv'e done just a couple of private jobs in the early years and absolutly hated it. my time is my time. i vowed to myself never to do private work again, and i haven't. i have no need to drive other vehicles so it's never bothered me not having this bit of insurance cover. so it makes it doubly worse for me being refused insurance on a recovery truck (there was only one particular truck i was after) so i could transport my own car to a trackday or show. i think lots of ringing around to the linked insurance companies required but if the truck is no longer available i'm not after any other old truck.
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Feb 21, 2011 15:48:14 GMT
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I'm currently trying to get quotes for a 1980 Mercedes 200, I'm 20 years old and Footman James can't quote me (although I'm with them for my mini and they're a great company) so I think I'm going to go through all the linked insurers and see what I can get.
Anyone got any tips for a 20 year old trying to insure a 30 year old 2litre Merc?
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Feb 25, 2011 15:53:17 GMT
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Try classic policies, limited mileage and think about your occupation and where the vehicle is kept, also good security makes a difference.
with regards to the driving other cars extension on a car insurance pol, the company I work for (no I wont name names!!) always states that the other vehicle has to be insured on another policy.
Ian
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Feb 28, 2011 10:16:13 GMT
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Hi gents
Just a word of warning... I've got a '92 Saab 900 insured with Lancaster on a classic policy - rang a couple of weeks ago to enquire about changing to an '94 XJ6 and was told that there's been a 'clampdown' on what can be insured as a classic. Despite the car being over 15 years old and a Jag they were having none of it. I've been offered a rather tasty '92 Rover 827 from a mate but, again, despite the age and the limited mileage I've had no luck yet.
Unfortunately, I've had classic policies for the last few years which means I have no NCB, and also 6 points which means I'm getting some horrific quotes for standard car insurance :-(
Going to spend a few more hours on the phone this week, but I'd advise checking before you buy anything around this age...!
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Yeah great thread. I'm in the middle of a minor non-fault claim, I've noticed that the cheapest so far standard policy has gone up £100 after adding that I had a small non fault claim. Which has pee'd me off no end with my 14 years no claims still intact, specially as the recent hike has seen last years cost trippled by a lot of companies even without the admission of a non fault claim After reading what Alistair said about it maybe its because the car is not fixed and paid for yet... I really hope that's true. This thread has also made me think about picking up the phone for potential specialist quotes old skool style. Between the GF and I we now have 2 no skool/mid skool 1994 family size hatchbacks to insure come end of March...
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it doesn't matter if it's a Morris Marina or a Toyota Celica - it's what you do with it that counts
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Mar 17, 2011 11:44:09 GMT
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well, after spendng ALL morning ringing around for quotes for a modded inca van, i now know that HIC, Vzi insurance, volks world insurance, santapod insurance and adrian flux and all the same company, or rather sister companys and all give the exact same quotes.
one guy i spoke to gave me that list and then said "yeah, we've kinda got the market covered" lol.
also, being honest about your car and declaring your mods is BLOOOMING EXPENSIVE!!!
first time my daily has been fully declaired, went from £302 to £446!!
ah well, atleast i know that if the worst does happen that I'm covered.
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Remember the days when sex was safe and motorsport was dangerous. Vintage bling always attracts pussy.
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Mar 18, 2011 17:31:33 GMT
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Eventful afternoon now I've passed my test. I knew it was going to be expensive, but there's not much difference in price between stock and modified, so I'm sticking to modified. For the facts on my insurance quotes this is the following for me, I kept everything honest:
Me - single, male, 29, self employed artist, member of Club Polo, access to second car (Dad's). Full license held for 1 day.
Car - 1985 VW Polo, lowered 60/40, alloy wheels (with locking nuts), no alarm, no immobiliser, kept on road in S6.
This is what they said: Peter James - won't insure any driver that hasn't held a license for 2 years.
Footman James - Could not find any policy that could insure me, at all, either specialist or general.
HIC and Adrian Flux (same company, as I discovered when I called) - £1,500 unmodified, no quote for modified.
Graham Sykes - £1,389 for unmodified when I called (with Sabre) but later received an e-mail stating that my employment type, location and the fact that car was parked on the road meant they couldn't insure me after all.
Sureterm - Transferred me to First Quote - (again, Sabre) £1505.96 modified, £1374.90 without mods
Performance Direct - (Sabre, again) £1270 unmodified and £250 excess, £1391.59 modified with £250 excess
Heritage Motors - Require 12 months of owning a license before they can quote me.
Lancaster - (also through Sabre) £1295.31, £250 excess, £75 windscreen excess. No modifications.
So it's going to be Sabre through Lancaster or Performance Direct for me I think. You can't get insurance direct from Sabre, did try and they told me they only work through other companies like the above.
Main stream insurers (Churchill, Swinton, Admiral, &c.) are wanting in excess of £1,500 for the unmodified car with any decent amount of cover and a £400 excess. Some companies clearly don't want my risk on their books, wanting to charge me £5000 plus for an unmodified Polo!
Copied this over onto my build thread for my own reference too.
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donk
Part of things
Posts: 57
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Apr 14, 2011 20:40:21 GMT
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Has anyone had any experiences with age, classics and convictions. Or in my case all three. Any companies out there willing to insure on those situations?
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"That looks alright"
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