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Insurers offering DOC for under 25s

Discussion in 'Motors' started by MikeHiow, 8 Apr 2010.

  1. MikeHiow

    Banned

    Joined: 26 Oct 2004

    Posts: 7,542

    Location: Isle of Wight

    On behalf of a friend, he's looking for an insurance company that'll provide DOC cover for him being under 25.
     
  2. Benihana

    Wise Guy

    Joined: 16 May 2006

    Posts: 1,413

    Location: Copenhagen

    Just to clarify DOC = Driving Other Cars right?
     
  3. MikeHiow

    Banned

    Joined: 26 Oct 2004

    Posts: 7,542

    Location: Isle of Wight

    Yes.
     
  4. Chris1712

    Sgarrista

    Joined: 29 Jul 2004

    Posts: 9,381

    Location: Somerset

    Bell USED to have it on their Flexibell policies as an option, iirc. May still, I've not looked in a while.
     
  5. daz

    Capodecina

    Joined: 18 Oct 2002

    Posts: 24,019

    Location: Bucks

    CIS did last time I was insured with them.
     
  6. Happy

    Soldato

    Joined: 7 Jan 2008

    Posts: 7,121

    Location: Tunbridge Wells

    Provident had the option for me, but you had to be over 21.
     
  7. Durzel

    Soldato

    Joined: 10 Oct 2003

    Posts: 5,513

    Location: Wiltshire

    Bear in mind if he thinks that this is an easy route to driving something he would never get insurance for by insuring something with a 1.0 litre engine or something, DOC only applies where the vehicle being driven already has a insurance policy in force that covers it.
     
  8. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,391

    Oh not this again, seriously!
     
  9. Durzel

    Soldato

    Joined: 10 Oct 2003

    Posts: 5,513

    Location: Wiltshire

    Care to elaborate? I don't read every single thread on the forum.
     
  10. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,391

    We have this every 3 months like clockwork. You are completely wrong - there is no requirement for the car you drive on DOC to be insured independantly unless your insurance policy specifically states it, which most do not. There is no reason why your insurer would care anyway - the insurance status of the other vehicle is completely irrelevent to you using it.
     
  11. Durzel

    Soldato

    Joined: 10 Oct 2003

    Posts: 5,513

    Location: Wiltshire

    [citation needed]

    So what's to stop someone buying a Ferrari and a Mini, only insuring the Mini and driving around the Ferrari every day with third-party cover? Seems like a pretty obvious loophole to me!
     
  12. paradigm

    Caporegime

    Joined: 26 Aug 2003

    Posts: 36,809

    Location: Staffordshire

    Er, because you'd own both?

    DOC (in 99.9% of cases) states that the other vehicle must belong to someone else.

    Also, would you want to leave your Ferrari lying round, uninsured?
     
  13. iaind

    Capodecina

    Joined: 26 Feb 2009

    Posts: 14,814

    Location: Exeter

    I think the common requirement is that it cant be owned by you

    Mine does say it has to be insured, although they only offer it to 25 year olds so it's a moot point anyway
     
  14. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 157,391

    No, thats you that needs the citation ;)

    All DOC clauses contain the term 'Not owned by you or leased to you under the terms of a hire purchase agreement' which solves this.
     
  15. Durzel

    Soldato

    Joined: 10 Oct 2003

    Posts: 5,513

    Location: Wiltshire

    Ah right fair enough, didn't know that.
     
  16. Defcon5

    Soldato

    Joined: 4 Sep 2005

    Posts: 6,424

    Location: Whitwood, West Yorks

    Bell no longer do it
     
  17. Sone

    Sgarrista

    Joined: 18 Oct 2002

    Posts: 7,671

    i thought DOC would be great when i got it, turned out to be pretty much useless. Drove a few mates sheds home from the pub thats about it.

    Need to borrow someones motor thats worth more than a few k, no way i am driving it without proper insurance.
     
  18. iaind

    Capodecina

    Joined: 26 Feb 2009

    Posts: 14,814

    Location: Exeter

    Agreed - I thought it would be really useful when I turned 25 in Feb, but the only real use for it would be to borrow one of Dad's cars. No way he'd let me borrow his brand new estate or his mint MG without fully comp, so he just added me as a second driver for those few occasions - cost almost nothing to add me anyway
     
  19. Lopéz

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 27,924

    Location: LE9/OTK

    Also, how do you tax the Ferrari? And what happens if you prang the Ferrari? Not the sort of car you are going to be able to pay for repairs on yourself unless you are loaded - and if you were loaded you wouldn't need to run a DOC scam.
     
  20. Sugar Free

    Gangster

    Joined: 7 May 2004

    Posts: 197

    As daz said earlier on in the thread The Co-operative Insurance has DOC cover for under 25s as long as you don't own the vehicle or are trying to retrieve it from being impounded or some such. Doesn't need to be insured.

    Their quote was about 20% more than the cheapest insurer but it was worth it for me.