58 replies to this topic

[wolfie]

i am shocked someone agrees with me, no-one ever agrees with me

[MiniAlex]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor, people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Adam- I am afraid I have to agree with Wolfie. When it comes to insurance you need to have a good read of the terms and conditions. When you get your certificate it will tell you what your policy means and what you can do. I am on my dads at the moment, until my car is 15 years old (only a few months to go!!) .. and when I got the doccuments through it told me what I could do and what third party fire and theft meant. You can find all this out on the internet anyway.

I don't want you to feel like everyone is trying to have a go at you here, but at the end of the day mate, we are all Mini mad people are we are looking out for you.

[Mini Adam]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor, people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Adam- I am afraid I have to agree with Wolfie. When it comes to insurance you need to have a good read of the terms and conditions. When you get your certificate it will tell you what your policy means and what you can do. I am on my dads at the moment, until my car is 15 years old (only a few months to go!!) .. and when I got the doccuments through it told me what I could do and what third party fire and theft meant. You can find all this out on the internet anyway.

I don't want you to feel like everyone is trying to have a go at you here, but at the end of the day mate, we are all Mini mad people are we are looking out for you.

Thank you for being polite and calm unlike most other members who have replied. I have phoned them up and have documentation of my insurance. My dad is 49, I'm pretty sure he understand insurance quite well now, if he thought it wasn't valid he wouldn't be letting me drive trust me!

Edited by Mini Adam, 21 October 2010 - 09:04 PM.

[wolfie]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Right let me try and sum up here:
Where have I assumed I can drive other cars on 'this' policy (a policy that doesn't exist because my mini isn't insured atm) and how do I check the policy for an insurance I am intended on getting for my mini but don't yet have? Both TimTom and MiniAlex understoof my question, you however seemed to go on the attack... Why don't you actually read the question? You don't look so big and clever now do you...

Secondly, I received the papers and phoned up. I have papers telling me I'm covered, I'ver phoned them up to check I was covered and how long for. Please enlighten me into what else I should do to check my coverage? Ask the magic fairies?
Some people really should read the whole topic before putting in there own pennys worth..

You really are a jumped up idiot with a very very poor attitude

If YOU read what was written i was asking a question, question marks are a big clue here.

Big and clever pfffff you dont have a clue!

[Mini Adam]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Right let me try and sum up here:
Where have I assumed I can drive other cars on 'this' policy (a policy that doesn't exist because my mini isn't insured atm) and how do I check the policy for an insurance I am intended on getting for my mini but don't yet have? Both TimTom and MiniAlex understoof my question, you however seemed to go on the attack... Why don't you actually read the question? You don't look so big and clever now do you...

Secondly, I received the papers and phoned up. I have papers telling me I'm covered, I'ver phoned them up to check I was covered and how long for. Please enlighten me into what else I should do to check my coverage? Ask the magic fairies?
Some people really should read the whole topic before putting in there own pennys worth..

You really are a jumped up idiot with a very very poor attitude

If YOU read what was written i was asking a question, question marks are a big clue here.

Big and clever pfffff you dont have a clue!

You said I was assuming I could drive any car because my dads car is insure fully comp... however I never once said that

In december I will be looking to insure my mini and was wondering whether or not fully comp would allow to drive any car... you're still wrong...

Oh and also: the know it all attitude and name calling is poor

... You really are a jumped up idiot .... little bit hypocritical..

Edited by Mini Adam, 21 October 2010 - 09:10 PM.

[MiniAlex]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor, people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Adam- I am afraid I have to agree with Wolfie. When it comes to insurance you need to have a good read of the terms and conditions. When you get your certificate it will tell you what your policy means and what you can do. I am on my dads at the moment, until my car is 15 years old (only a few months to go!!) .. and when I got the doccuments through it told me what I could do and what third party fire and theft meant. You can find all this out on the internet anyway.

I don't want you to feel like everyone is trying to have a go at you here, but at the end of the day mate, we are all Mini mad people are we are looking out for you.

Thank you for being polite and calm unlike most other members who have replied. I have phoned them up and have documentation of my insurance. My dad is 49, I'm pretty sure he understand insurance quite well now, if he thought it wasn't valid he wouldn't be letting me drive trust me!

Its ok (: I am the same too, My dad helped me sort my insurance out and he too wouldn't let me drive my Mini if my insurance wasn't right. In the Mini Club I am in, someone else is fully comp and they are going to have a drive in my Mini for a change, it says they are able to drive other cars with the permission of the car owner/registered keeper. I remember her saying about being a certain age. I know a few people who are 17/18 and are fully comp, but they pay alot for it! It makes sense too, if 17/18 year olds were able to get a cheap car to insure, get it fully comp just so they could drive their mates 2.0 car. Insurance company's know how it works, so they wouldn't let that happy. There is probably something on the dvla that says you have to be over the age of 25 to be fully comp. I am not sure if it is 25 (using that age as an example)

[MiniAlex]

This is just a topic about insurance, like the moderator said earlier. Keep it calm before the topic gets closed Its only a question about insurance, surely we can be nice and get on

[maggies_minder]

im 22 fully comp on the mini and i have in writing in my policy im covered to drive other cars, providing they are tax'd, MOT'd and insured. and i have the owners permission.

theres no limit on the size of the car but i very much doubt i could drive a Lambo without them saying anything.

[Shifty]

Ok then, lets all have a little chill out. To the OP, I think you need to lose a little bit of the attitude, you have been given some good advice and have thrown it back in peoples faces.

I'll add mine though"If it sounds too good to be true, it probably is", insurance companies are a law unto themselves and can(and will) find any reason not to pay out on any claim.

Insurance companies don't make mistakes, if they do they'll find some way of pinning it on you.

[MiniAlex]

im 22 fully comp on the mini and i have in writing in my policy im covered to drive other cars, providing they are tax'd, MOT'd and insured. and i have the owners permission.

theres no limit on the size of the car but i very much doubt i could drive a Lambo without them saying anything.

When I renew mine again, I will see about going fully comp. Why would we want to drive another car anyway!? We have our Mini's don't we .. that should be good enough until they break down .....

[Mini Adam]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor, people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Adam- I am afraid I have to agree with Wolfie. When it comes to insurance you need to have a good read of the terms and conditions. When you get your certificate it will tell you what your policy means and what you can do. I am on my dads at the moment, until my car is 15 years old (only a few months to go!!) .. and when I got the doccuments through it told me what I could do and what third party fire and theft meant. You can find all this out on the internet anyway.

I don't want you to feel like everyone is trying to have a go at you here, but at the end of the day mate, we are all Mini mad people are we are looking out for you.

Thank you for being polite and calm unlike most other members who have replied. I have phoned them up and have documentation of my insurance. My dad is 49, I'm pretty sure he understand insurance quite well now, if he thought it wasn't valid he wouldn't be letting me drive trust me!

Its ok (: I am the same too, My dad helped me sort my insurance out and he too wouldn't let me drive my Mini if my insurance wasn't right. In the Mini Club I am in, someone else is fully comp and they are going to have a drive in my Mini for a change, it says they are able to drive other cars with the permission of the car owner/registered keeper. I remember her saying about being a certain age. I know a few people who are 17/18 and are fully comp, but they pay alot for it! It makes sense too, if 17/18 year olds were able to get a cheap car to insure, get it fully comp just so they could drive their mates 2.0 car. Insurance company's know how it works, so they wouldn't let that happy. There is probably something on the dvla that says you have to be over the age of 25 to be fully comp. I am not sure if it is 25 (using that age as an example)

Ah right okay well that makes sense. I know one of my mates at 17 got fully comp and part of his insurance allowed him to also name himself on one other car that was insured fully comp so I'm going to ask him about that then I could add my name to my mum or dads car or whatever and be able to drive that too if necessary. I see what you're saying about the whole buying a cheap car and driving a mates 2.0 scenario.

[MiniAlex]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor, people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Adam- I am afraid I have to agree with Wolfie. When it comes to insurance you need to have a good read of the terms and conditions. When you get your certificate it will tell you what your policy means and what you can do. I am on my dads at the moment, until my car is 15 years old (only a few months to go!!) .. and when I got the doccuments through it told me what I could do and what third party fire and theft meant. You can find all this out on the internet anyway.

I don't want you to feel like everyone is trying to have a go at you here, but at the end of the day mate, we are all Mini mad people are we are looking out for you.

Thank you for being polite and calm unlike most other members who have replied. I have phoned them up and have documentation of my insurance. My dad is 49, I'm pretty sure he understand insurance quite well now, if he thought it wasn't valid he wouldn't be letting me drive trust me!

Its ok (: I am the same too, My dad helped me sort my insurance out and he too wouldn't let me drive my Mini if my insurance wasn't right. In the Mini Club I am in, someone else is fully comp and they are going to have a drive in my Mini for a change, it says they are able to drive other cars with the permission of the car owner/registered keeper. I remember her saying about being a certain age. I know a few people who are 17/18 and are fully comp, but they pay alot for it! It makes sense too, if 17/18 year olds were able to get a cheap car to insure, get it fully comp just so they could drive their mates 2.0 car. Insurance company's know how it works, so they wouldn't let that happy. There is probably something on the dvla that says you have to be over the age of 25 to be fully comp. I am not sure if it is 25 (using that age as an example)

Ah right okay well that makes sense. I know one of my mates at 17 got fully comp and part of his insurance allowed him to also name himself on one other car that was insured fully comp so I'm going to ask him about that then I could add my name to my mum or dads car or whatever and be able to drive that too if necessary. I see what you're saying about the whole buying a cheap car and driving a mates 2.0 scenario.

I have heard you can do that too. Yeah, insurance company's wouldn't allow that. The best thing you can do if insure, is to ring them and ask them. Then at least you know the info is correct

[Mini Adam]

Ok then, lets all have a little chill out. To the OP, I think you need to lose a little bit of the attitude, you have been given some good advice and have thrown it back in peoples faces.

I'll add mine though"If it sounds too good to be true, it probably is", insurance companies are a law unto themselves and can(and will) find any reason not to pay out on any claim.

Insurance companies don't make mistakes, if they do they'll find some way of pinning it on you.

Sorry it just annoys me how no one has phoned the company regarding my insurance other than my dad and if he didn't think I was insured I wouldn't be driving his car, but I am. Yet people are still trying to tell me I'm not and they know better? If when I tell them I've passed and they ask for more money well i'll sort that out when it happens. But as far as me, my dad and the insurance company are concerned I'm insured as a named driver on my dad's car

[bltrdly]

Am I right in saying that ALL fully comp policies allow you to drive any insured car?

Your saying your assuming you can drive others cars on this policy because its fully comp? why dont you actually read the policy? its clear you know it all but i will give you two clues what to look at 1) named driver 2) age


Problem is Adam it does not matter if you feel your right or wrong and to be fair with your attitude i dont think anyone will have any sympathy if you get caught out, people will have sympathy for the other driver involved in an accident with you as if they are not to blame they will lose there no claims and they will have to pay the access.

This attitude you have with regards to insurance is poor, the know it all attitude and name calling is poor, people who have been driving a fair while and have been round the block a few times are trying to give honest advice, just remember that if your insurance is not 100% correct and you get caught out you will get 6 points and you will be banned and ordered to retake your test.

Adam- I am afraid I have to agree with Wolfie. When it comes to insurance you need to have a good read of the terms and conditions. When you get your certificate it will tell you what your policy means and what you can do. I am on my dads at the moment, until my car is 15 years old (only a few months to go!!) .. and when I got the doccuments through it told me what I could do and what third party fire and theft meant. You can find all this out on the internet anyway.

I don't want you to feel like everyone is trying to have a go at you here, but at the end of the day mate, we are all Mini mad people are we are looking out for you.

Thank you for being polite and calm unlike most other members who have replied. I have phoned them up and have documentation of my insurance. My dad is 49, I'm pretty sure he understand insurance quite well now, if he thought it wasn't valid he wouldn't be letting me drive trust me!

Its ok (: I am the same too, My dad helped me sort my insurance out and he too wouldn't let me drive my Mini if my insurance wasn't right. In the Mini Club I am in, someone else is fully comp and they are going to have a drive in my Mini for a change, it says they are able to drive other cars with the permission of the car owner/registered keeper. I remember her saying about being a certain age. I know a few people who are 17/18 and are fully comp, but they pay alot for it! It makes sense too, if 17/18 year olds were able to get a cheap car to insure, get it fully comp just so they could drive their mates 2.0 car. Insurance company's know how it works, so they wouldn't let that happy. There is probably something on the dvla that says you have to be over the age of 25 to be fully comp. I am not sure if it is 25 (using that age as an example)

Ah right okay well that makes sense. I know one of my mates at 17 got fully comp and part of his insurance allowed him to also name himself on one other car that was insured fully comp so I'm going to ask him about that then I could add my name to my mum or dads car or whatever and be able to drive that too if necessary. I see what you're saying about the whole buying a cheap car and driving a mates 2.0 scenario.

Just to stick a spanner in the works here , ive had fully comp at 20-21, where i wasnt allowed to drive other peoples cars ,and i had to sift through my documents to find out. But then ive got a quote from footman james yesterday at 23 for fully comp with 3rd party cover on anybodys car Its all down to the insurance company.

[jayare]

OK - straight question - Did you tell the insurance company you currently have a provisional licence? Doesn't matter if they asked or not.

If you didn't, they will regard it as non-disclosure of a material fact. Your insurance will be void, you will get points on your licence if caught and will also find it much more difficult (and way more expensive) to get insurance in the future.

JR