Hmmm, so you can drive other cars if your insurance with them IS TPF+T? I thought it was just fully comp..

Reason is i could do odd jobs for my dad..

Quote from Jakg :

It's times like this i'm glad I have driving other cars on my policy

Are you sure there is no age restriction? It is normally hidden well within the small print of the insurance policy and doesn't feature on policy summaries, either the ones provided with your insurance or the ones that are easy to find before you take a policy out.

Quote from ajp71 :

Are you sure there is no age restriction? It is normally hidden well within the small print of the insurance policy and doesn't feature on policy summaries, either the ones provided with your insurance or the ones that are easy to find before you take a policy out.

Yes I am 100 sure, i've been through the T&C's with a fine tooth comb and also have an email from then saying I can do it.

I've also had it confirmed on the phone 3 times but that doesnt really count for anything.

Insurance for a test drive?

Shit im glad we do not have compulsary insurance.

Every unaccompanied test drive i've done, i've just been given a "trade plate" to stick on the dashboard, this means you are covered under the traders policy.

Quote from Chrisuu01 :

Insurance for a test drive?

http://www.autotrader.co.uk/CARS/buying/buy_a_used_car.jsp

Quote :

Make sure you’re fully insured to drive the seller's car, and take evidence of this with you.

Ah okay i see now

So your on your own policy and not fully comp Jack? Is there no a price limit of what car you can drive?

Quote from pearcy_2k7 :

So your on your own policy and not fully comp Jack? Is there no a price limit of what car you can drive?

Own policy, Third Party and no, no price or mileage limit.

Quote from danowat :

Every unaccompanied test drive i've done, i've just been given a "trade plate" to stick on the dashboard, this means you are covered under the traders policy.

Yes - the trade plate acts as your tax and insurance (and also numberplates if they're not fitted). How we do it is that the trade plate is on the motor insurance database, so that covers whatever car the trade plate is put in/on.

The trade plate HAS to be displayed, of course. Most police officers won't be too keen to let you off if it's in the car but not on show.

Quote from Jakg :

Own policy, Third Party and no, no price or mileage limit.

I'm surprised! I'm on a motor-trade policy, and we have a history of owning and working on some particularly nice/exotic/expensive cars, yet I was restricted on engine capacity until I was 23 or something like that*.

To give someone as young as you free reign on anything seems like a crazy thing to do... But if that's the case, then more power to you.

*I didn't actually know this until I was about 21, so spent a few years driving cars that I wasn't actually insured on. Same with towing trailers - we didn't realise that I needed an extra test at the time (subsequently done - easy), so spent a few years trekking up and down the country towing expensive (or cheap, rusty and nasty) cars entirely without insurance.

Quote from tristancliffe :

I'm surprised! I'm on a motor-trade policy, and we have a history of owning and working on some particularly nice/exotic/expensive cars, yet I was restricted on engine capacity until I was 23 or something like that*.

To give someone as young as you free reign on anything seems like a crazy thing to do... But if that's the case, then more power to you.

*I didn't actually know this until I was about 21, so spent a few years driving cars that I wasn't actually insured on. Same with towing trailers - we didn't realise that I needed an extra test at the time (subsequently done - easy), so spent a few years trekking up and down the country towing expensive (or cheap, rusty and nasty) cars entirely without insurance.

On an unrelated note, it's a small internet sometimes...

Link doesn't work.

Seems the entire forum is down atm, nvm then...

I'm guessing from the link it's about my brothers accident in his C43 AMG 'Benz? Entirely not his fault, and it's been away being fixed since just before Christmas - he's collecting it tomorrow.

The courtesy car - a Polo of some sort - has been described as a well-build but entirely dull PoS in comparison (as opposed to the poorly build but rather exciting (though uncomfortable) Mercedes).

Andrew, my brother, didn't like it very much when I attempted to reach the top speed in it when he'd just bought it. He didn't look very happy at 140mph, and by 150mph he was quite cross with me; so I slowed down

Aslong as you have Trade Plates on the vehicle your covered under the traders insurance

Quote from Joe93 :

Aslong as you have Trade Plates on the vehicle your covered under the traders insurance

And as long as you are driving the car solely for trade reasons - and not just, say, collection and delivery jobs. i.e. proper test drives, between depots. They are not to be used for social, domestic and pleasure use.

Quote from Jakg :

Own policy, Third Party and no, no price or mileage limit.

There will be limitations in the small print, but they are very much different across all insurers so make sure you read not only the small print in the section under driving any car but the general limitations aswell.

I looked up Quinn's policy on 'driving any car':

Quote :

If your certificate of insurance says so, we will also cover the policyholder for your liability to other people while you are driving any other private motor car which you do not own or have not hired or leased. This benefit applies to full licence drivers only. We will only cover you if:

• The vehicle is not owned by your employer or hired to you/them under a hire-purchase or lease agreement;
  
• You currently hold a full European Union (EU) licence;
  
• The use of the vehicle is covered in the certificate of insurance;
  
• Cover is not provided by any other insurance;
  
• You have the owner’s permission to drive the vehicle;
  
• The vehicle is in a roadworthy condition;
  
• You still have your vehicle and it has not been damaged beyond cost-effective repair; and
  
• Your occupation is not restricted by our acceptance criteria.
  

This extention applies while being driven within the territorial limits and only to private passenger vehicles. It does not include:

• Vans;
  
• Car-Vans;
  
• Jeep-Type vehicles with no seats in the back; or
  
• Vans adapted to carry passengers.
  

The only thing you are incorrect with Jakg is the mileage is limited to what you've declared to Quinn in the original quote, which will be accumalitive across your car and any car you drive under their DaC policy.

You are also limited to using other cars in your declared use of vehicle (for example if you didn't say you were commuting, and use another car to go to University, it would invalidate the insurance).

And of course 'drive any car' will be issue to fronting fraud laws, many drivers insure a cheap car with a 'drive any car' policy to actually drive another persons car mainly...such as their parents...which is actually fraud, same of course if you put a policy in your parents name to get a cheaper premium yet you're the main driver of that.

Quote from spacedskunk :

...

Yes those are the full T&C's - in short, car must be a car, not owned by me or my employers and insured by someone.

Mileage limit - my policy doesn't have one (yes, really - all their new ones do, mind...)

Stupid brits, you drive on the wrong side of the road and insure the wrong part too

Here you just insure the car, and you can drive any car if it has atleast the mandatory minimum motor insurance.

Quote from Krane :

Stupid brits, you drive on the wrong side of the road and insure the wrong part too

Here you just insure the car, and you can drive any car if it has atleast the mandatory minimum motor insurance.

Driving on the left goes back to when we rode around in horses because the average right hander mounts a horse from the left side, so they used to ride on the left side too and its just staying with cars

I agree with insurance but what can you do

I've the very same open insurance (Quinn also, even the same T&C's were sent to me), but they did tell me that if I'm to drive another car it must have tax and NCT. They also said the cops can ticket me for not displaying valid insurance disks if the owner hasn't insured the car, even though I am covered to drive it Are you sure on the mileage limit? My policy is only about 5 weeks old and it has no limit. I did have to tell them roughly how many miles I'd be doing a year, but I'm not restricted to it.

They're by far the cheapest for young drivers, Quinn's quote for the Mini was a quarter of the one offered by Aviva.

And yes, they're right bastards to pay out, the first thing they did after I was in an accident was write a letter to the other insurance company saying they weren't going to pay out, it blatantly wasn't my fault Not that I'm complaining, it's only TP F+T, I don't have to try and squeeze compensation out of them

When I renewed last year I did *everything* to get the cost down, such as swapping named drivers around etc

When my Dad got the quote for the insurance he put in 15kpa miles via a comparison site - I probably went over this in the first year so asked how much more it would cost to go up to 20k - they said £100. I asked how much to 30k - £100. I asked how much to 10k - £100. At this point I asked wtf was going on and they said there was no limit on my policy at all - if I added one they would "re-assess my risk" and so the policy would increase... The guy on the phone advised I should just leave it as any ammendment I make gives me a limit and I need to pay more...

Reminds me - need to see how much "for business use" would add to my policy...

If you've said you're not commuting (I'm not planning to commute in the car when I get it) and you just happen to do it *once* and have an accident, are you knackered, or would you be able to get them to pay out if you could prove that you usually used other means to get to work?