Brenfox Posted 28 August 2015 Posted 28 August 2015 I've just taken out a policy on my new car & despite being fully comprehensive it states I'm not insured to drive any other car. I questioned this & I was told most insurers do this. I've always assumed you could drive any car on a third party basis. Is this correct?
Soar Fox Posted 28 August 2015 Posted 28 August 2015 I've just taken out a policy on my new car & despite being fully comprehensive it states I'm not insured to drive any other car. I questioned this & I was told most insurers do this. I've always assumed you could drive any car on a third party basis. Is this correct? I thought so aswell if you were over 25.
Jazzy_Jeff Posted 28 August 2015 Posted 28 August 2015 I'm an insurance broker. Companies are phasing it out. Won't be long before no-one does it anymore.
Basingstoke Fox Posted 28 August 2015 Posted 28 August 2015 I'm an insurance broker. Companies are phasing it out. Won't be long before no-one does it anymore. Just as I'm approaching 25... Brilliant!
Trav Le Bleu Posted 28 August 2015 Posted 28 August 2015 I'm an insurance broker. Companies are phasing it out. Won't be long before no-one does it anymore. And if you need to drive someone else's car?People need to do this from time to time. Where there's a need, there's a market and where there's a market, there's a supplier.
Heart-Shaped Fox Posted 28 August 2015 Posted 28 August 2015 Im fully comp and have never on any of my insurances since i passed in 2011 have allowed me to drive another car
potter3 Posted 28 August 2015 Posted 28 August 2015 And if you need to drive someone else's car? People need to do this from time to time. Where there's a need, there's a market and where there's a market, there's a supplier. Temporary insurance. You can add a named driver to your policy for a short length of time for a small fee. I presume some insurers will let you add a second car temporarily to your own policy too. Im fully comp and have never on any of my insurances since i passed in 2011 have allowed me to drive another car Even before they started to phase it out it tended to be limited to people that were 25 or over.
The Quick Brown Fox Posted 28 August 2015 Posted 28 August 2015 This made me check my policy which I've just renewed. I am still able to drive other cars, I didn't request this it's just on the policy.
Guest Posted 28 August 2015 Posted 28 August 2015 This made me check my policy which I've just renewed. I am still able to drive other cars, I didn't request this it's just on the policy. Me too
Trav Le Bleu Posted 28 August 2015 Posted 28 August 2015 Just seems to me to be yet another way to squeeze money out of people.
AyewJoking Posted 29 August 2015 Posted 29 August 2015 dont worry, they may be phasing out your cover to use someone else's vehicle but at least your premium will go down
ScouseFox Posted 18 September 2015 Posted 18 September 2015 back on the market for car insurance as my current policy will no longer insure me because i work for a bookmaker. crazy world.
Rob1742 Posted 20 September 2015 Posted 20 September 2015 back on the market for car insurance as my current policy will no longer insure me because i work for a bookmaker. crazy world. Certis are great for insurance. A broker who are honest and guide you in the right direction. The owners there genuinely bother with you, and have a pretty decent client base due to their solid reputation. Based in Essex I believe, but well worth a call. Across the service industry, these have the best customer service I know. Well worth getting in with them.
ScouseFox Posted 20 September 2015 Posted 20 September 2015 Certis are great for insurance. A broker who are honest and guide you in the right direction. The owners there genuinely bother with you, and have a pretty decent client base due to their solid reputation. Based in Essex I believe, but well worth a call. Across the service industry, these have the best customer service I know. Well worth getting in with them. but will they be bothered that I now technically have to answer the question saying I have been refused/cancelled a policy previously?
Bayfox Posted 20 September 2015 Posted 20 September 2015 Insurances companies are phasing it out due to idiots who buy a Ford fiesta, insure it fully comp. Then go out and buy a ****ing Porsche and drive round in it. Going it's OK I'm covered to drive it on my policy. The only policies now days that cover that sort of thing are business policies. And even then you have to have paperwork or orders etc to show why that vehicle was in your possession.
Rob1742 Posted 20 September 2015 Posted 20 September 2015 but will they be bothered that I now technically have to answer the question saying I have been refused/cancelled a policy previously? Tell him what your exact situation is and they will do the best for you. The worst thing you can do is not tell the truth to get a policy, as the chances are you won't be covered if there was a problem. An example I know of this is a person saying he was a farmer rather than another job that was high risk, just to get a cheaper policy. As soon as he hit a problem they checked up what the guy did on the Internet,found out he wasn't a farmer and he ended up not getting paid out. Insurance companies will do everything possible not to pay you out, so telling the truth when taking out a policy is vital. Give Certis a ring. They are brilliant.
Itsthejoeker Posted 9 December 2015 Posted 9 December 2015 So I was just looking at renewing my car insurance, so I typed in the the postcode and address of my Leicester address (temporary) and ended up with a quote of £1300?! I then tried my Swindon address and got £645?! Anyone know what this is about?
Guest Posted 9 December 2015 Posted 9 December 2015 How rough is the area of Leicester you're in compared to Swindon? Any difference in where you keep the car? It's a hell of a difference whichever way you look at it!
Itsthejoeker Posted 9 December 2015 Posted 9 December 2015 How rough is the area of Leicester you're in compared to Swindon? Any difference in where you keep the car? It's a hell of a difference whichever way you look at it! LE3 postcode, Glenfield which probably gets tarred by the brush of surrounding areas, compared to a fairly quiet part of Swindon but not without it's problems. No difference in where the car is kept. I'd understand a few extra quid, but twice the price is ridiculous. Especially with 3 years no claims.
Julian Joachim Jr Shabadoo Posted 9 December 2015 Posted 9 December 2015 Postcodes can make a huge difference, as can not parking on a drive/in a garage. When I lived off Fosse Road (LE3) it was double what I usually paid because it shares the postcode region with New Parks, which is a huge high risk area and puts the costs up for everyone in the area
Guest Posted 9 December 2015 Posted 9 December 2015 That's true. I recently moved back to Leicester from Manchester in a postcode right next to Moss Side and my premium dropped significantly even with 17 years no claims.
Bettsj2 Posted 9 December 2015 Posted 9 December 2015 The internet is dead for car insurance now. Market is saturated. If you want truly decent cover at a decent rate, speak to a broker. I've worked in the insurance industry now for 20 years and the shift back to brokers from online is unreal.
Jazzy_Jeff Posted 10 December 2015 Posted 10 December 2015 The internet is dead for car insurance now. Market is saturated. If you want truly decent cover at a decent rate, speak to a broker. I've worked in the insurance industry now for 20 years and the shift back to brokers from online is unreal. Who do you work for? Very true what you are saying but still amazing how many people will buy a policy online without knowing anything about the underwriter or what the policy covers just because its cheaper. Especially with home insurance.
Bettsj2 Posted 10 December 2015 Posted 10 December 2015 Who do you work for? Very true what you are saying but still amazing how many people will buy a policy online without knowing anything about the underwriter or what the policy covers just because its cheaper. Especially with home insurance. Exactly. I work predominantly with commercial insurance and the amount of businesses I see that have inadequate insurance cover because its cheap is frightening. Your home and your business are amongst the most important things in your life. Why would you put them at risk to make a relatively minuscule saving? I work for myself so if anyone wants any advice, more than happy to help!
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