carosio Posted June 20, 2013 Share Posted June 20, 2013 If a friend is driving your car and for instance another car runs into the back of it when at a traffic island, what's the insurance situation? Assuming of course that he is covered to drive your car on his policy. I would think its between his company and the one who caused the accident? Sorry meant to post in General section. Link to comment Share on other sites More sharing options...
adisorn1006 Posted June 20, 2013 Share Posted June 20, 2013 that person will be covered on your policy on a 3rd party basis if they have fully comprehensive insurance...I think... Link to comment Share on other sites More sharing options...
carosio Posted June 20, 2013 Author Share Posted June 20, 2013 I'm wondering when and where his policy is invoked? Link to comment Share on other sites More sharing options...
Moosey Posted June 20, 2013 Share Posted June 20, 2013 If he weren't insured your insurance would pick up the bill for any third party damage or injury he causes under the compulsory insurance rules of the road traffic act. Posted from Sheffieldforum.co.uk App for Android Link to comment Share on other sites More sharing options...
carosio Posted June 20, 2013 Author Share Posted June 20, 2013 If he weren't insured your insurance would pick up the bill for any third party damage or injury he causes under the compulsory insurance rules of the road traffic act. Posted from Sheffieldforum.co.uk App for Android But if he is insured, I assume that the driver who has hit mine will pay the damage. Conversely, if my friend causes an accident in my car, then surely his company will pay 3rd party damage? Link to comment Share on other sites More sharing options...
Moosey Posted June 20, 2013 Share Posted June 20, 2013 Quote: But if he is insured, I assume that the driver who has hit mine will pay the damage. Conversely, if my friend causes an accident in my car, then surely his company will pay 3rd party damage? Indeed. Posted from Sheffieldforum.co.uk App for Android Link to comment Share on other sites More sharing options...
carosio Posted June 20, 2013 Author Share Posted June 20, 2013 Indeed. Posted from Sheffieldforum.co.uk App for Android Thanks, I was just trying to establish that, assuming both drivers are legally insured, it puts (to all intents and purposes) my insurance company out of the picture. Of course any damage to my car wouldn't be covered if it was his fault. Link to comment Share on other sites More sharing options...
Moosey Posted June 20, 2013 Share Posted June 20, 2013 Quote: Originally Posted by Moosey Indeed. Posted from Sheffieldforum.co.uk App for Android Thanks, I was just trying to establish that, assuming both drivers are legally insured, it puts (to all intents and purposes) my insurance company out of the picture. Of course any damage to my car wouldn't be covered if it was his fault. Absolutely. The only issue could be any argument as to value or repairs and you do have to report to your insurers of course as its part of your policy terms. Posted from Sheffieldforum.co.uk App for Android Link to comment Share on other sites More sharing options...
Bruno Posted June 20, 2013 Share Posted June 20, 2013 As above, he/she would be covered third party, meaning if he/she was at fault then his/her insurance would cover costs for damage of the other vehicle only Link to comment Share on other sites More sharing options...
anywebsite Posted June 20, 2013 Share Posted June 20, 2013 Usually when somebody runs into the back your car it's their fault & their insurance would pay out for the damage to your car. It's not going to matter who's driving your car as long as they're legally allowed to. If another person driving your car caused an accident, they'd usually only be covered third party to drive other cars (by their own fully comp car insurance), so their insurance would only pay for the damage caused to the car they ran into & not any damage they caused to your car. Your insurance wouldn't cover anything unless you have coverage for "any other driver" on your policy or they're a named driver on your policy. You can usually get temporary insurance coverage for another driver as a named driver on your policy if you phone your insurance company, for a small fee. That is the way to get fully comprehensive insurance for them. Link to comment Share on other sites More sharing options...
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