Im going through the process of re-newing my car insurance. I am currently with Tescos and have found them to be the cheapest.

This time round im looking for a fully comprehensive policy that will enable me to drive other cars third party. Problem with this scenario is that I am under 25.

I have spent the whole day ringing different companies and haven't had much luck so far. One thing I know is that it isn't an industry standard, there are companies out there that offer it, problem is it tends to be really expensive!.

Anyone any ideas?

maybe its just me, but i've always found that my insurance allows me to drive other cars 3rd party with the owners consent. i've had that kind of insurance since i was 18 and i'm sure i wouldn't have paid extra for it, or not alot extra anyway.

Originally posted by LL200
maybe its just me, but i've always found that my insurance allows me to drive other cars 3rd party with the owners consent. i've had that kind of insurance since i was 18 and i'm sure i wouldn't have paid extra for it, or not alot extra anyway.


i'd check your insurance. i'm not saying your wrong but in my experience thats unusual.
the usual clauses allow fully comp drivers to drive any car with 3rd party cover. this is on their own insurance.
occasionally u can drive under the owners insurance cover.

the usual clauses allow fully comp drivers to drive any car with 3rd party cover

thats what i said.

edit:
...although to be fair i didn't mention that i was talking about fully comp insurance :)

Last time I looked if you have full comp or tp cover you are covered to drive any other car tp only anywhere in the EU. This used to be European law.

the u25 thing only comes in if the other person has an open driving policy (which allows anyone over 25 to drive their car fully comp occasionally.

unless things have altered rapidly in the last year.

Originally posted by LL200
thats what i said.

sorry i made the assumption to u & 4bes were on 3rd party type insurance at the moment. my mistake.

I have checked my policy and have researched into it. In the past it didn't use to be a problem with insurers but now with most insurers you have to be 25, which is unfortunate for me as im 22.

i thought i was covered third party on other cars as well !

and in a passing comment i asked the insurer, who said i wasnt !!! and it isnt standard !!! so i'd check !

Have you tried Norwich Union Direct? I used to work for them, and this was part of the standard cover for policy holders of any age. I trust you are getting quotes in your own name, and not in your parents' names with you as a named driver? As far as I know, nobody offers thatkind of cover.

In fairness the cover is just about useless though. For example, if you borrow my car and drive it on your own third-party ectension, you're legal while you're actually driving. As soon as you leave my car parked on a road, there in so cover on it (even if it is insured by me) in case the care is stolen, vandalised, or runs down a hill and hits someone.

Basically it's just not worth it.

hmm, a quick google suggests this is true. i wonder when that happened...

luckily a) i dont have a car any more and b) i'm over 25 :)

It is indeed my own policy. I have tried Norwich Union direct and you are right they do offer it, problem is that it costs £1800, which is a lot considering my renewal is around £500!

I see what you are saying about the problems with this kind of cover, but it does come in handy if you want to share the driving with someone on a long trip.

Originally posted by Kristian
Have you tried Norwich Union Direct? I used to work for them, and this was part of the standard cover for policy holders of any age. I trust you are getting quotes in your own name, and not in your parents' names with you as a named driver? As far as I know, nobody offers thatkind of cover.

In fairness the cover is just about useless though. For example, if you borrow my car and drive it on your own third-party ectension, you're legal while you're actually driving. As soon as you leave my car parked on a road, there in so cover on it (even if it is insured by me) in case the care is stolen, vandalised, or runs down a hill and hits someone.

Basically it's just not worth it.

ignore the man. don't insure with the spawn of satan!!!:D

tbh Kristian we tended to ignore that it general in claims. And if you don't tell anyone when you claim who is to know :D

you tried Churchills?

I have tried Churchill's but they don't do it. It will be a miracle if I do find a competitive insurer that does!

try confused.com
although we insure our daughter with express insurance through a broker called markerstudy.which we found via confused.com.

is it just me or can't any one else say confused.com without saying it like 'CONFUSED?....dot com'.

bloody annoying adverts.

I use confused.com - it's really good.

However I have been with AA since I was 22 and found it to be very competitve - turned 26 this year and my policy halved!

I got my first car and therefore first insurance when i was 24, assuming that it would cover me 3rd party on other cars, good job i read the paperwork and fineprint as it said somewhere that i was only covered third party on other cars if i was over 25, fortunately I turned 25 4 weeks later so it didn't bother me too much!

So it does happen, it does exist

(I'm insured through Diamond- £200 cheaper than all the others - but only cos i'm female;) )

I'm with Direct Line, fully comp. I'm 18 and drive a brand new car so my policy is sky high at £1,455 :o

Daddy, tells me he thinks I'm that competant a driver, that he'll let me drive his pride and joy... Untill I brought him up to speed, by showing him my policy...

Daddy's part of the school of thought, whereby comprehensive insurance+owners permission = you can drive someone elses car...
However this is no longer the case... Until I'm 25, I believe... :rolleyes:

Crikey Caprice - thats mental!

What car do you drive if you don't mind me asking?

05 Suzuki Alto, absynthfairy :) Low insurance group aswell... However there's alot of factors working against me... IE: My age, the vehicle's age, the fact that I've only had a license since Nov, the fact that I've only had a car since Jan...
Mind you, its not that bad considering that to insure my old N reg Rover 100, it was £950 on Third party Fire and Theft!!! :o

Ya gotta start somewhere I suppose... :P

Originally posted by caprice
I'm with Direct Line, fully comp. I'm 18 and drive a brand new car so my policy is sky high at £1,455 :o


A lad at work paid over £1800 to insure a two-year old Saxo, not even a VTR or VTS either. :gag:

So glad i'm over 25 with full no claims. :clap:

Originally posted by caprice
05 Suzuki Alto, absynthfairy :) Low insurance group aswell... However there's alot of factors working against me... IE: My age, the vehicle's age, the fact that I've only had a license since Nov, the fact that I've only had a car since Jan...
Mind you, its not that bad considering that to insure my old N reg Rover 100, it was £950 on Third party Fire and Theft!!! :o

Ya gotta start somewhere I suppose... :P


I have a similar problem, I have a 52 suzuki swift, bought from new, even smaller and lower group. Still costs me £800 a year and I'm over 25!!!! Again, its my first car, my first insurance, and I live in Parson Cross (grrr) my age and length of driving are the only things in my favour!!!
If i use my b/f's address details in the online quote things the price more than halfs!!!
I need to move house!!!!
Em

my daughter sorry i pay for my daughter £520 per year 3rd party for a suzuki jeep, age 19.norwich union wanted more than the car cost £5k.

Originally posted by willman
my daughter sorry i pay for my daughter £520 per year 3rd party for a suzuki jeep, age 19.norwich union wanted more than the car cost £5k.

Norwich Union hate young/new drivers... My old car cost £600, yet I still had to pay £950 to insure it... Fully comp would have been £1,100 with Direct line... NU wanted just short of £2k! They take the mickey!