looking to insure a car with other half as an additional driver
trouble is, she has a couple of claims (had none for years, then 2 in 14 months, one was my fault) so premiums more than double with her on as an additional driver
she has her own car and insurance
are there any hidden pitfalls to her driving the new car on her own policy which allows her to drive other cars third party only? she would likely drive it quite regularly. I can't find any limitations on her existing policy suggesting she can drive another car in an emergency only, for example
Obviously if she pranged the car she wouldn't be insured, but given that the value of the car that's a risk i would take
thanks
Some insurance policies have a minimum age limit for driving other cars (e.g. 25), I guess to stop young drivers getting access to Daddy's big powerful sports car.
Further restrictions may apply to certain occupations (e.g. motor mechanics), drivers of high value/power vehicles, and drivers with poor claims or convictions record.
One more thing to beware of is that the 'driving other cars' extension gives you just the basic insurance cover allowed by law. This is called Road Traffic Act cover, which is even less than third-party only insurance. The nub of this is, if you have an expensive accident whilst driving someone else's car, you may end up being liable for part of the other party's claim!
Also, when you park a car driven on this extension and walk away, it is no longer insured at all, which means you cannot claim for damage, fire or theft. At least, not until a named driver on the policy takes control of the vehicle again. Therefore you should use this extension as a last resort.
Sounds a bit OTT? My policy definately states 3rd party cover, so maybe it's just the legal minimum they have to provide, but they provide extra ontop of that.