Insurers offering DOC for under 25s

OllyM · 9 Apr 2010 at 00:17

Sounds like you're mistaken (worrying as I expect lots of people assume they have DOC when they don't and are driving other people's cars totally uninsured) - it will specifically state on your insurance certificate that you are also allowed to drive other cars.

1b Driving other cars
If your certificate of motor insurance says so, this policy provides the same cover as above in 1a when you are driving any other motor car as long as you do not own it and it is not hired to you under a hire-purchase or leasing agreement. This cover only applies if:
• there is no other insurance in force which covers the same liability;
• you have the owner’s permission to drive the car;
• the car is registered in and being driven in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands; and
• you still have your car and it has not been damaged beyond cost-effective repair.

Also I have no idea where you got the idea that the other car must be insured - have you really read your documents properly?

benjo · 9 Apr 2010 at 00:31

LeeUK said:
Think I may do! But I bet it won't be for free.

I took out a policy with Bell last summer, and had DOC added on a couple of weeks later for £50. I was 19 at the time too...

OllyM · 9 Apr 2010 at 00:33

benjo said:
I took out a policy with Bell last summer, and had DOC added on a couple of weeks later for £50. I was 19 at the time too...

Bell don't offer DOC to new policyholders under 25 any more. They've discontinued their Flexibell policies entirely!

benjo · 9 Apr 2010 at 00:35

OllyM said:
Bell don't offer DOC to new policyholders under 25 any more. They've discontinued their Flexibell policies entirely!

Oh! I haven't checked since last year so I'm not really up to speed with it

iaind · 9 Apr 2010 at 07:53

From mine, just to show it does exist on some:

The policyholder may also drive with the owner's permission a car not owned by the policyholder and not hired to the policyholder under a hire purchase or annual leasing agreement and is not used in connection with the motor trade. This is provided the owner of the car has valid insurance in force on that car but which does not cover the policyholder of this Policy to drive that car.

[TW]Fox · 9 Apr 2010 at 08:23

Nobody disputes it exists on some, just that isnt a universal requirement

lozza23_uk · 9 Apr 2010 at 08:38

Just checked my policy with swiftcover:

Section C Liability to Other People and Their Property
We will pay:
If You have an accident which is caused by:

Your Car;

any car driven by You, with the owner’s express consent, within the Great Britain, Northern Ireland, the Isle of Man or Channel Islands as long as:
• that car does not belong to You;
• the car is insured by the car owner and You are entitled by the Certificate to drive such a car;
• is not hired to You under a hire purchase agreement;
• You are permitted by the car owner to drive the car.

Do make sure you check your policy

Jez · 9 Apr 2010 at 08:40

iaind said:
From mine, just to show it does exist on some:

Same wording on a swiftcover policy. Annoyingly swiftcover seem to be one of the few which do require the other car to be insured.

iaind · 9 Apr 2010 at 08:54

Jez said:
Same wording on a swiftcover policy. Annoyingly swiftcover seem to be one of the few which do require the other car to be insured.

That's because it is a swiftcover policy

lozza23_uk · 9 Apr 2010 at 08:57

and for some reason my insurance is up by 50-100quid this year. Swiftcover are STILL the cheapest...now we know why

Howard · 9 Apr 2010 at 09:05

Hmm

*checks policy document PDFs*

edit:

Says on mine that "Cover is for third party only and in any case there will be no cover unless a current and valid policy of insurance is in force for the private motor car being driven under this section of the policy"

waso_dude · 9 Apr 2010 at 11:40

Direct line don't offer it to anyone under 25. I've asked about getting it added with no luck.

-Ad- · 9 Apr 2010 at 13:50

Howard said:
Hmm

*checks policy document PDFs*

edit:

Says on mine that "Cover is for third party only and in any case there will be no cover unless a current and valid policy of insurance is in force for the private motor car being driven under this section of the policy"

I thought that has always been the case.

Had that line on my documents, but Aviva also mentioned you had to be 25 but Mr Man in the Indian call centres did tell me a number of times that I would be fine under 25 :rolleyes:

Edward01 · 4 May 2010 at 10:41

Little bit of a bump here.

Are there actually any insurance companies that do still offer DOC for under 25s?

With Bell at the moment but the renewal I've had through is a bit of a joke.

metamorphpwner · 4 May 2010 at 10:59

Edward01 said:
Little bit of a bump here.

Are there actually any insurance companies that do still offer DOC for under 25s?

With Bell at the moment but the renewal I've had through is a bit of a joke.

i'm fully comp with co-op insurance and i'm covered to drive any car with the owners permission( only TPFT). i'm 21.

Dogbreath · 4 May 2010 at 12:28

lozza23_uk said:
Just checked my policy with swiftcover:

Section C Liability to Other People and Their Property
We will pay:
If You have an accident which is caused by:

Your Car;

any car driven by You, with the owner’s express consent, within the Great Britain, Northern Ireland, the Isle of Man or Channel Islands as long as:
• that car does not belong to You;
• the car is insured by the car owner and You are entitled by the Certificate to drive such a car;
• is not hired to You under a hire purchase agreement;
• You are permitted by the car owner to drive the car.

Is the "certificate" mentioned in the bold part the certificate of insurance of the owner of the car you wish to drive, or your own certificate? (i.e. that the above text is printed on)

It reads like the former, but that would be completely nonsensical, i.e. it would effectively say "we will cover you to drive another car, provided you are already insured to drive that car".

[TW]Fox · 4 May 2010 at 12:45

The term 'Certificate' will be defined in the policy documentation and almost certainly refers to your own certificate.

SGWills · 4 May 2010 at 13:02

LeeUK said:
Think I may do! But I bet it won't be for free.

its free if your over the age of 25, if you renewed after the age of 25 with them it will be on the back of your certificate if you turned 25 during a term with them you will need to call them but you will be charged £17.50 to have your cert re printed to show your covered

Edward01 · 4 May 2010 at 13:27

Been having a look around and it is starting to appear that no one does DOC for under 25s any more. Bit of a pain as it is useful.

Sugar Free · 4 May 2010 at 17:41

Edward01 said:
Been having a look around and it is starting to appear that no one does DOC for under 25s any more. Bit of a pain as it is useful.

HAVE YOU TRIED THE CO-OPERATIVE GROUP?