01-04-2014, 09:23 PM
What I mean by third party only Tom, is if for example a man drives his wife's 10k mini for example on his TPO extension, and writes it off - that car isn't covered. For the usually minimal additional premium to add a husband/wife to a policy - why wouldn't you?
My partner is with Diamond & believe it or not it makes her insurance a good couple hundred pounds cheaper with me on it & I'm only 22.
If there's a car I'd drive more than once then I'd certainly want to be named on the policy, I'd hate to write someone else's car off & have no cover to repair it!
If you're not a high risk then it shouldn't add a huge premium to be named on a policy?
The 'Driving other cars' extension, dependant on the insurer, usually reads along the lines of "Covers the policy holder to drive somebody else's vehicle third party only, as long as that vehicle is insured by it's registered owner & keeper" now if you've just purchased a vehicle, you own it, therefore not adhering to that statement. Best to read your documents or contact your insurer if unsure.
I'm 22 and don't have the benefit, never looked at getting it as I'd have no use, I'm named on ambers & can't think of any other cars I'd need to drive, I was added to my mums for a week when I had to fix it once, that's about it!
My partner is with Diamond & believe it or not it makes her insurance a good couple hundred pounds cheaper with me on it & I'm only 22.
If there's a car I'd drive more than once then I'd certainly want to be named on the policy, I'd hate to write someone else's car off & have no cover to repair it!
If you're not a high risk then it shouldn't add a huge premium to be named on a policy?
The 'Driving other cars' extension, dependant on the insurer, usually reads along the lines of "Covers the policy holder to drive somebody else's vehicle third party only, as long as that vehicle is insured by it's registered owner & keeper" now if you've just purchased a vehicle, you own it, therefore not adhering to that statement. Best to read your documents or contact your insurer if unsure.
I'm 22 and don't have the benefit, never looked at getting it as I'd have no use, I'm named on ambers & can't think of any other cars I'd need to drive, I was added to my mums for a week when I had to fix it once, that's about it!