Classic car insurance and other drivers ?

[Dave Dyer]

Hi All,

Does anyone know, if I get classic car insurance on my TR7, would anyone else be able to drive it on their insurance ? Or does the policy restrict it to the policy holder only. ie if I get classic car insurance for me, would my dad be covered with his insurance.

I've tried a search on Google but get about 1 million results and eventually after sifting through them start to give up the will to live!!!! I'm sure everyone has experienced that feeling at some point!!

Cheers, Dave ( its cheers literally as I pick up my can of Carling!!)

[Howard722]

Mine allows other `named` drivers-that way you are fully comp. If your Dad drives on his insurance then likely it will only be third party cover (i.e. your car isn`t covered!) assuming his policy allows this?-not worth the risk if it`s likely to happen fairly often!--thats my understanding.

Enjoy& regards

[saabfast]

Most normal car policies (but not Classic policies) allow the insured to drive a car not belonging to him with the owners permission, but the cover is normally only third party. On this basis your Dad would be able to drive the car on his own policy but only with 3rd party cover (unless his insurance states otherwise). Your classic policy would not cover unless he was a named driver.

Alan
Saab 9000 Stg 1
Saab 9000 2.3 FPT Auto
'81 TR7 DHC

[bmcecosse]

Many of the normal car policies have now STOPPED - the 'drive any other car' cover - because it was being abused. So - check very carefully before allowing anyone else to drive your car - unless they are 'named' on your own Policy for that car. The 'drive any car' cover - IF in place - is only for Road Traffic Act minimal cover anyway - ie - damage to people but NOT to cars !! RH Insurance ( http://www.rhclassicinsurance.co.uk/) will cover named drivers - fully comp - Roadside breakdown assistance and Recovery included - for a very reasonable sum. Try them!

[gordon kerr]

<font color="green">As others have already said it is going to depend on the individual policy so, as ever, you need to check that the policy you intend to buy includes the cover you need. Adding one or two named drivers to a policy often costs very little and in some cases can even reduce the premium so if it is a particular person you want to be able to drive that may be your bet bet. My cars are insured through the TR Register Scheme whch specifically allows anyone else who also has insurance through that scheme to drive the car as well as me. Although she doesn't actually drive the cars it cost nothing extra to add my wife to the policies so she is insured to drive both cars but never does.</font id="green">

<font color="green">Gordon
GRD 1980 Brooklands Green 2l FHC
OVC 1980 Platinum Silver 3.9l V8 FHC
Bedford, UK.
</font id="green">

[jeffremj]

<blockquote id="quote"><font size="1" face="Century Gothic, Verdana, Arial, Helvetica" id="quote">quote:<hr height="1" noshade id="quote">Many of the normal car policies have now STOPPED<hr height="1" noshade id="quote"></font id="quote"></blockquote id="quote">IMO, the only 'normal' insurers are the big ones - the 'cheap' ones are only cheap for a reason [;)]. I use the Co-op.
<blockquote id="quote"><font size="1" face="Century Gothic, Verdana, Arial, Helvetica" id="quote">quote:<hr height="1" noshade id="quote">The 'drive any car' cover - IF in place - is only for Road Traffic Act minimal cover anyway - ie - damage to people but NOT to cars !!<hr height="1" noshade id="quote"></font id="quote"></blockquote id="quote">Not true in the case of the Co-op it is third party. Check out pages 14 and 15:

http://www.co-operativeinsurance.co.uk/cfscombi/pdf/Motor_car_insurance__Policy_document_example.pdf