this should probably be in the insurance section but wont get much attention and i kinda need an urgent answer..

thing is my mate has a clio and he's insured fully comp on it, he thinks he can drive his dad 2.2 tdi mondeo and be insured 3rd party, he's drove up to scotland with me in it a few times (well not really as he does 125 most of the way! )

i thought you had to be a certain age to have this (hes 18) but he seems to think if your fully comp i can drive my dads tdi audi which sounds good lol as im fully comp on my car.

if this was true it means a 17 year old could get insured on a cheap car fully comp and drive literally any car unless there are limits on this.

anyone know where i stand (i'm 17 btw)

It will explicitly say on your policy if you're covered for 3rd party on other cars with owner's consent.

Check your policy.

i think your insurance has to say that you can drive other persons vehicles with there concent, my mum can drive other peoples cars, and her insurance is 3rd party.

i thought there was an age with this, isnt it 21 or something, well according to my dad it is?

would save me alot of hassle if im allowed lol

cant find the policy note thing anywhere if i can my dads going to be driving my car from now and like it lol

herpsuk said:

i thought there was an age with this, isnt it 21 or something, well according to my dad it is?

would save me alot of hassle if im allowed lol

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thats what i thought, love to be proven wrong though

im sure it does have to say on ur certificate.

Will definately say on the certificate

yes we know bow, but it will be a standard thing they print wont it? so it will either say age or it wont, so best to also contact ur Insurer

herpsuk said:

i thought there was an age with this, isnt it 21 or something, well according to my dad it is?

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Generally, yes.

Well I assumed once you've got past the young persons excess all the restrictions drop. Spoke with DL recently to obtain a revised insurance certificate so that it finally stated I could drive any other vehicle third party and I'm 25.

I do believe there is a restriction, especially at 17. Your mate should:

a) Actually read his insurance certificate and see if it states "you're only covered for this vehicle" or "you're covered third party on other vehicles" (wording not exact!)

b) Check with his insurance company, they will confirm it within seconds.

Edit: DoH! Took so long replying, everybody else beat me to it

well i'm due to renew my insurance this month, would pay an extra couple of hundered to have this

Even if they would allow it as an "add-on" the excess will be crazy!

Alex-R said:

well not really as he does 125 most of the way

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We may as well buy him some flowers to put on the side of the road now, just hope he don't take anyone else with him when he does crash.

It's one of the reasons why young people get hit so heavily with insurancee in the first place.

Si said:

Even if they would allow it as an "add-on" the excess will be crazy!

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yeh lol, would be good though! i'll see what they say tommorow because im going camping on the weekend and its miles away, got loads of stuff to take too and my punto wont keep up with the mondeo lol

Koa said:

We may as well buy him some flowers to put on the side of the road now, just hope he don't take anyone else with him when he does crash.

It's one of the reasons why young people get hit so heavily with insurancee in the first place.

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yeh true but he doesnt drive silly round the streets, this is on dual carriage way, not an excuse but its better than my mate who once done 95 in a 30 zone

It will explicitly sate or deny it on your policy....


however...

no policy will protect you from the cars owner when you write it off and they get didly squat for the pleasure!!

Stick with your own, try and get some experience, I still am after 7 1/2 years and just get the extra power when you can afford too

Kristian

/OT - with regards to speeds, i'd never mention mine or a friends speed on a public forum bu 95 in a 30, the person deserves everything coming to them! Thats just way beyond the realms of sensibility!!

I can definatley say he won't have 3rd party other car cover, most if not all exceptions for this were removed, I'm 26 FC and can't drive other cars.

So get it sorted cos even if he don't crash it but someone hits him his Dad is gonna have a headache!

Liam

just thinking, im on my dads policy, wonder if that makes a difference.

another thought, im wanting to get my own insurance this year but my cars in my dads name because i couldnt afford my own last year