Driving another person's car

[SKYBLUESAM]

Hello,
Does my third party Insurance allow my friends to drive my car legally?

[harita]

Hello to you ..

I think that it is the car that is insured not the driver..
Provided that the driver has your permission, is licenced to drive, anyone can drive the car ..
Don't take my word as gospel Nick .. Ask your insurer ..

[the butlers wife]

We have been told that anyone can drive your car. My son often borrows ours but we have given him a letter staing that we have given him permission to do so. He has taken the car over to the south and shown the letter at the check point, never had any problems.



The butlers wife

[PoshinDevon]

It is the vehicle that is insured. Therefore providing you give permission then anyone can drive the vehicle. It may of course be sensible to put this in writing just in case, plus if there is a possibility of crossing to the south its probably very sensible.

[harita]

When a car is driven to the south, the drivers name must be added to the Greek insurance for the south..
Note the drivers UK licence (NOT the TRNC licence) will have to be produced ..
All the drivers can be added when the insurance is purchased ..
A driver can also be added to a current insurance .. When I was added to a friends insurance the cost was €8 (Euros not TL) ..

[laptatony]

But remember the car is insured, but not necessarily the driver, hence you need to have personal accident insurance cover. This is to cover if you are at fault in an accident. Check with your insurer!

[KWAKERT4]

If the owner is in NC, anyone can drive the car. If the owner is not in NC, the car can be driven only by persons given written permission. If anyone is caught flouting this then the car is impounded, pending the owner's return, then both are fined.
I used to photocopy both sides of my licence then put the permission below this.

T

[The young ones]

I was told that you must contact your insurance company here then there will be a charge for the time the third party drives your vehicle....if he/she was to have an accident and kills someone you are liable also same applies for hit and runs if your car is found to be the one you will do time for your friends and loose your license I would check with your insuance first hence our friends have hired a car .

[tomsteel]

If a poster has an interest in the legalities of this topic why not approach an insurer (?ESTA/AXA etc) and get the facts, which could then be posted within the 'Legal' section of the Forum? Then further queries would have fact and not just informed opinion. There are just so many variable, as has been highlighted in many previous posts.

[Hedge-fund]

Good advice tomsteel.

As someone who was in this industry many moons ago my memory tells me this:

Third Party Only insurance whilst driving a vehicle not belonging to the Policyholder is provided on the Certificate of Motor Insurance. It applies to any vehicle that the Policyholder drives which doesn't belong to him/her.............therefore the cover follows the Policyholder NOT the vehicle.

This DOV cover sometimes has age restrictions so double check your Certificate of Insurance.

If you want the protection of the more generous cover afforded on the vehicle owner's policy, get added as a temporary additional driver to his/her policy.

But I say again (agreeing with tomsteel)............ask a current professional in the TRNC to make sure.

[SKYBLUESAM]

I have been informed by our Insurer that the Insurance covers any driver with permission from the owner, and NO he does not need to be on the Island, If any problems occur Car Accident etc the Owner then has to produce a letter to the police advising them that the driver did indeed have his permission to drive the vehicle.

[Hedge-fund]

I have been informed by our Insurer that the Insurance covers any driver with permission from the owner, and NO he does not need to be on the Island, If any problems occur Car Accident etc the Owner then has to produce a letter to the police advising them that the driver did indeed have his permission to drive the vehicle.

Bloody Nora - they still do "any driver" policies!!!

These are prohibitively expensive in the UK.........so if you have one in TRNC fill your boots!

[jofra]

...Third Party Only insurance whilst driving a vehicle not belonging to the Policyholder is provided on the Certificate of Motor Insurance. It applies to any vehicle that the Policyholder drives which doesn't belong to him/her.............therefore the cover follows the Policyholder NOT the vehicle.

This DOV cover sometimes has age restrictions so double check your Certificate of Insurance......

It does still apply to a degree - companies are tightening up - here's a quote -
"DOC cover

Traditionally, cover for driving other cars (DOC) came as standard with a fully comprehensive insurance policy, giving drivers third party only cover for other vehicles.

But this was open to insurance scams and this, as well as cost-cutting by providers, means it's no longer automatically included on all comprehensive policies.

Some insurance companies do still offer DOC cover, so long as the customer doesn't own the alternative car, hasn't hired it, and they're over a certain age (usually 25).

DOC is intended for emergencies only and doesn't cover you to drive another car regularly. The question is, what counts as an emergency? To avoid a potential situation where your insurer disputes your claim, the safest bet, as usual, is to contact the provider to check the terms of your policy."
- so definitely, as advised, best to check with the companies....

[Keithcaley]

Hi Jofra, - is the information that you gave specific to TRNC or UK?

[jofra]

Sorry; that's from a UK site, but I suspect that Insurance companies - like banks - will take whatever opportunity to reduce the possibilities of their expenditure no matter what country they are in....

[Keithcaley]

Hi Jofra, I thought that that might be the case.

An awful lot of the vehicles here, owned by poor locals (and poor ex-pats - like me ) are only insured 3rd party, and will allow any other driver to drive (with permission).

Also 3rd party insurance is a fixed rate, regardless of history, regardless of vehicle, regardless of age (age of both car and driver, as far as I know, although it is possible that there are special provisions for very young drivers, we will have to rely on someone who has actual experience of that situation...)

[karmels]

Hi Keith, I just typed a long post to you and it as gone again with cloud flare. I am done trying.

[Hedge-fund]

It's definitely not a new thing......happens to about one in ten of my posts.

http://kibkomnorthcyprusforum.com/viewt ... =8&t=21878

What I do is copy the post - ready to paste if necessary - so I don't lose what I've written.

[Keithcaley]

Hi Mel, You must be ready to chuck the thing out of the window!

Email me if you like, keithcaley@yahoo.com , and if you want it posting on here, I'll copy and paste it for you...

Apart from that, enjoy your 'holiday'

[karmels]

Thanks Keith.