Latest #accident Posts
- As some of you will be aware, I’m a commercial insurance broker by profession... A friend of mine called last night for help after an accident. He was driving his mates’ van & has crashed into someone. “Am I covered?” he asks.
“Nope!” Driving Other Cars extension (if you have it as it’s not always given) is for private motor vehicles only. ..
“So what will happen?” - the third party could sue you for damages to their vehicle & injuries. If the police get involved you’ll be given an IN10, 6 points & a fine (min.). Your mate can also do the same for damages to his van & potentially Loss of Earnings if the damages mean he cannot work. ..
I tell everyone as often as I can - DON’T DRIVE SOMEONE ELSE’S CAR UNLESS YOU’RE ON THEIR INSURANCE AS A DRIVER.
DOC extension is only supposed to be used in the event of an emergency and it provides THIRD PARTY ONLY cover (damages to the vehicle aren’t covered) - what if someone hits you and they’re not insured? You can be held liable to pay damages for the car...
Please guys, think before you do it. It’s just not worth it. If you really need to drive their car, get them to add you as a Temporary Additional Driver to their insurance.
#carinsurance #accident #insurance #insurancerisk #drivingothercars #think #amiinsured #insurancebroker #drivingothercarsextension #rtc #rta #professionaladvice #risk #commercialinsurance #commercialinsurancebroker
10 December, 2018