Third party insurance cover for other cars....but not vans!

lulu

Senior Member
Joined
Mar 13, 2006
Messages
283
Reaction score
0
Location
Kingsbere
Here's a question for you all. We all know that our insurance policies allow us to drive other cars with third party cover (something I discovered I got automatically when I became 21!). Does your insurance allow you to drive a van? Mine doesn't, and I nearly need made a mistake today with the intention of borrowing a friend's van thinking it does. It won't even cover car derived vans. I'm sure years ago my various inurance policies used to cover others' cars, vans and even motorcycles. Let me know if yours does, and who they are. (For the record my insurer is Privilege)
 

television

Always remembered RIP
Joined
Mar 14, 2005
Messages
164,073
Reaction score
331
Age
86
Location
Daventry
Your Mercedes
2002 SL500, 216 CL500, all fully loaded
I know that the part on your license was taken away when it is renewed,,I could drive a 7½ ton truck when I left England and came back, the small vans is a surprise
 
OP
lulu

lulu

Senior Member
Joined
Mar 13, 2006
Messages
283
Reaction score
0
Location
Kingsbere
  • Thread Starter
  • Thread starter
  • #3
That's a very good point Malcolm. The DVLA definition of a 'car' is quite broad and would include what most of us would describe as a van up to 3.5 tonnes.
I think I was thrown by the fact that previously the word 'van' appeared on my insurance as something that I could drive with third party cover but, is now no longer included.
I wonder how that would pan out if an incident arose.
(3.5 tonnes to 7.5 tonnes are described as 'medium sized vehicles'. The word 'van' doesn't appear anywhere in the DVLA definitions!)
 

roofless

Senior Member
Joined
Mar 30, 2007
Messages
1,952
Reaction score
1
Your Mercedes
w124 e220 estate
it would 10yrs ago but now you must have commercial vehicle insurance for vans ect :( in the past i would swap a van on to my insurance no probs but now it's a no no
 

Xtractorfan

Senior Member
Joined
Nov 16, 2007
Messages
6,084
Reaction score
156
Your Mercedes
S class
You should be very careful when using other vehicles, lots of familys have two or more cars, and whilst you may be insured 3rd party to drive other family vehicles for social and domestic and pleasure purposes many of the policies do not cover you if you are using the other car to go to work..worth checking up on..
 

D1gger5

Senior Member
Joined
Mar 22, 2009
Messages
86
Reaction score
0
Location
Bristol
Your Mercedes
Currently Capri 280, 2 Litre S and 3 Litre Ghia
Also, the car you are using with the owners consent still requires them to insure it. Just like company pool cars, etc that are covered by the company car insurance.
 

Juddian

Senior Member
Joined
Mar 4, 2006
Messages
897
Reaction score
0
Location
Kettering
Your Mercedes
W124CE/1996/3199cc/LPG'd
The same works in reverse.
The commercial vehicle policy on my pick up doesn't allow me to drive anyone else's vehicle at all.
 

Cnics

Senior Member
Joined
Jan 3, 2007
Messages
292
Reaction score
0
Age
37
Location
Worksop - UK
Website
www.cnics.co.uk
The commercial policy on my van DOES allow me to drive other vans AND cars 3rd party, of course, providing the vehicle is road legal and the owner has an insurance policy.

My traders policy (separate company) allows me to drive them fully comp of course, but not relevant here.
 

carloss

Banned
Joined
Apr 28, 2009
Messages
587
Reaction score
1
Your Mercedes
jaguar xk
noticed on my fullcomp car policy that although i am covered to drive other vehicles on a third party basis it does not cover me if it is in anyway connected with the motor trade
 


As a member of ourMercedes Owners' club, you will enjoy numerous savings on an expanding range of services including, Insurance, Parts and Servicing, RAC Membership plus much more.MBOmembers can save around £200.00 a year. You can join from as little as £30.00 and start to enjoy these savings immediately. You receive our monthly magazine and free classified ads when you decide to trade up a model.
Top Bottom