Car Insurance Question (Driving Other Vehicles)

KLR600 · World Chat Champion Joined: 15 Mar 2005 Karma :

Sorry for another insurance thread but I'm just wanting to clarify if what I've deduced from my policy documents is correct.

I have a fully comp insurance policy on my car. The exact wording on my insurance certificate for driving other vehicles is this:

map · Mr Calendar Joined: 14 Jun 2004 Karma :

On the face of it would appear to be covered providing your friend's car is insured.

In the past you had to get another certificate from your insurance company when going abroad. This covered all the reciprocal arrangements and such. Now not sure if required but a 'phone call to them should clarify although might just be a chance to sell you a 'green card'. Those who do the trip to Europe more often can clarify that one.

Just thought your cover may extend to uk and Europe. However, driving someone else's car then that'd be 3rd party only. So not sure if your 3rd part cover would then extend to Europe or that'd by UK only. Confused, you will be. I don't expect any of the telephone jockeys at the call centre to be able to answer that either as it will not be on a script.

If you stay in the EU then I shouldn't worry about the territorial limits. Got into places like Russia though and all bets are off.
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t121anf · World Chat Champion Joined: 23 Feb 2007 Karma :

someone is saying you are correct on PH

https://www.pistonheads.com/gassing/topic.asp?h=0&f=10&t=1086732&mid=0&i=20&nmt=Driving+someone+else%27s+car+third+party+abroad+&mid=0

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Umm... it entirely depends on what they mean by "within our territorial limits". Who's "our"? What territory?

You'll need to check the definitions small print. Sorry.
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Keir · World Chat Champion Joined: 11 Apr 2006 Karma :

i think it would NOT cover you. id interpret "within our territorial limits" as being within UK only.
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Andy_Pagin · World Chat Champion Joined: 08 Nov 2010 Karma :

Play safe, phone your insurers, give them all the details, ask for an email stating that you're definitely covered.
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J4mes · World Chat Champion Joined: 18 Mar 2011 Karma :

I agree with Keir.

Get him to get a quote for going on his insurance for a few weeks, might not cost a great deal.

Might cost a fucking fortune Rolling Eyes

Tungtvann · World Chat Champion Joined: 07 Dec 2012 Karma :

Knowing admiral, they'll take your details on the phone and then charge you 90 pounds for the privilege.

MattEMulsion · World Chat Champion Joined: 29 Aug 2004 Karma :

When you get stopped by the police abroad, trying to convince them that you are insured by the labyrinth of wording on the insurance documents is going to be very tricky. Oh and being abandoned on the roadside when they seize the car could leave you with a bit of a problem, plus a very hefty fine. Is it worth taking the risk???
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KLR600 · World Chat Champion Joined: 15 Mar 2005 Karma :

Just to update this in case anyone else is insured with Admiral and this comes up for you.

The guy on the phone was adamant that the driving other vehicles third party extension only applies within the UK, no hesitation in answering at all. Case closed!
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Tungtvann · World Chat Champion Joined: 07 Dec 2012 Karma :

Did he levy a 50 pound fee on you for telling you that?

KLR600 · World Chat Champion Joined: 15 Mar 2005 Karma :

Nope? I went through the normal options on the phone and was put through to a helpful person within about 10 seconds of making the final option. He even suggested other companies that might be able to offer temporary insurance so I'd say I got great service.

I might just be the exception to the rule when it comes to dealing with insurance companies though. My old motorbike insurance policy ended last month with MCE. They didn't auto renew (despite it apparently being a well known "insurance scam" according to a few members on here) and when I rang up to ask for proof of no claims for my new insurers they said that a letter would be sent out free of charge. It came in the post two days later and everything was fine.
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