im sorry for starting an insurance question as there seems to be loads floating about , but what im after is insurance companies which allow you to drive any other vehicle, with the owners permission

with most you have to be over 25 , or it will notify you on the certificate of insurance :bang:

the only company i have found so far that lets me do this (under 25) is CIS, but as its renewal time, im looking for cheaper quotes

ive had loads of cheaper quotes than what my renewal is, but i would rather pay more so i can jump in any car if need be

many thanks

I've just insured the Capri under a classic policy from Lancaster (www.lancasterinsurance.co.uk), which allows me to drive any other car too. I've no idea what they're like for prices on ordinary policies, but their classic one was by far the cheapest for the Capri.

be carefull lots say you can drive any other car (third party), then in a diffrent section "young driver exclushions", its says you cant

im confused..do you want to be fully comp on other peoples cars? Im fully comp on my own but third party on anybody elses car as long as they have given permission..i thought that was the rule normally if you are fully comp?

I'm like babysei: fully comp on my own and third party on others. But it only kicked in when I was 25 and it only applies if it's on the certificate or small print.

sorry i could of made myself clearer

i want fully comp on mine and tpft on anyones elses car aslong as i have permission

but there are exclusions to the rule like dave said , and cis are the only ones that i know about without any exclusions

cheers jonny will give them a try

dave said:

be carefull lots say you can drive any other car (third party), then in a diffrent section "young driver exclushions", its says you cant

Click to expand...

I checked for that, and I'm covered

Only prob is that my mate still doesn't trust me with his 200bhp RS Turbo

Babysei said:

Im fully comp on my own but third party on anybody elses car as long as they have given permission..i thought that was the rule normally if you are fully comp?

Click to expand...

Be very careful on this. A lot of Insurance Companies state 'The Policy Holder may also drive a motor vehicle not belonging to him and not hired to him under a hire purchase agreement' or similar words. They may also make a statement such as 'The policyholder is covered for Third Party risks under the Road Traffic Act only' - always check very carefully that the cover you think you have is what you actually do have. Many insurance companies will only cover you for the bare minimum legal cover ie: personal injury to third parties. That would not cover you for any damage to property.

The 'Third Party' may or may not be a car. In many cases your cover only extends to a person.

http://www.theiob.org.uk/digest/c/certificates_of_motor_insurance.html has some interesting points.

It is also worth noting that even if your policy covers you to drive another car, that car must also be insured in it's own right. You cannot legally drive a car that doesn't have insurance under your own policy. You will almost certainly find the small print only covers another vehicle if it already has insurance cover. Driving under your own insurance would mean if you got out of the car it would not be insured, so the Road Traffic Act states the vehicle must have it's own insurance.

HTH

Tosh