'Drive other cars' insurance clause Dayton OH

Many motorists have long benefited from the ‘drive other cars’ clause most insurers have included in their policies. However, this clause is not always legal for insurance policies, and you should always check before driving another's car.

Local Companies

Murphy & Associates Insurance Agency Inc
(937) 276-3997
3013 N Main St
Dayton, OH
Murphy & Associates Insurance Agency Inc
(937) 252-1655
2412 S Smithville Rd
Dayton, OH
State Farm
(937) 298-1011
4017 Marshall Rd
Dayton, OH
Allstate Insurance Companies
(937) 439-3166
2107 Miamisburg Centervil
Dayton, OH
Moore Insurance Inc
(513) 522-7424
1701 Compton Rd
Cincinnati, OH
Parsons Ins
(513) 947-9999
Cincinnati, OH
AAA Northwest Ohio
(419) 724-1490
6158 W Central Ave
Toledo, OH
Allstate Insurance Companies
(513) 772-6402
1530 E Kemper Rd
Cincinnati, OH
Allstate Insurance Companies
(419) 224-5553
1164 W North St
Lima, OH
State Farm
(937) 848-6000
1964 N Lakeman Dr
Bellbrook, OH

The benefit of being able to drive another person’s car depends upon a variety of factors not least whether the individual insurer allows this. Other factors include the age of the driver; they often have to be over 25, and the driver’s record. For example if the driver has made several claims and also has penalty points then they may not be covered to borrow someone else’s car.

Norwich Union is removing this option to drivers as it says that too many people are using it as a scam to reduce the cost of their car insurance. The ‘drive other cars’ clause is also seen by police to be a hindrance in overcoming the issue of uninsured drivers. This might be seen as a setback by many law abiding drivers who have been able to use someone else’s car in an emergency, such as taking someone to hospital. However, many dishonest drivers abuse the system by buying low cost car insurance for a small car and then borrowing high powered performance cars belonging to friends. These are cars that they would never normally be able to drive. Because of this new restriction insurers believe that dishonest behaviour will be curbed.

Other car insurance companies thought to be following suit include AA, Cornhill Direct, Royal & Sun Alliance and Axa. These changes are being made as a result of suggestions by the Department of Transport who feel that phasing out the clause will prevent uninsured drivers from getting an easy ride.

Paul Jenson from Hoot Car Insurance Services www.hootcarinsurance.co.uk has this to say to drivers who are worried that they might not be insured:

“It’s always best to check that you are insured on another person’s car before you borrow it. In the past, more often than not, it’s been acceptable to drive your mate’s car but now many insurers are phasing this option out. You can have you name put on another person’s car insurance policy very cheaply so if you want to regularly drive your girlfriend or boyfriend’s car or your Mum doesn’t mind you borrowing hers, then you can do so legally. Insurance companies will also be lenient on people who have a genuine emergency, for example if they need to get to hospital quickly and the only car available belongs to someone else.”

About the Author:

Simon Jacobs, Hoot Car Insurance Services (www.hootcarinsurance.co.uk)

Hoot Car Insurance Services are specialists in providing fantastically cheap young driver car insurance. For a free quote in matter seconds just call 0808 144 9954 or go to www.hootcarinsurance.co.uk.

Article Source: thePhantomWriters Article Submission Service

Featured Local Company

Randy Wagner State Farm Insurance

513-474-4100
7243 Beechmont Ave
Cincinnati, OH
www.randywagneragency.com

Related Local Events
Cincinnati Auto Expo
Dates: 2/19/2010 - 2/22/2010
Location: Duke Energy Convention Center, Cincinnati
Cincinnati, OH
View Details

Cincinnati Mini Grand Prix
Dates: 6/27/2009 - 6/28/2009
Location: Third and Central avenues
Cincinnati, OH
View Details