I've just come across another potential problem with my classic insurance.
I have a "named driver" on the policy, a chap I have known for years and one
of the few people I trust to drive my car....

He wanted to take it (with me) to Castle Coombe for a track day, then use it
to take his daughter down to Le Mans. The wording in the policy being
impenetrable unless you are a lawyer or Stanley Unwin, I gave the broker a
call just to check all was OK. And it wasn't. Only I could drive it on the
track, and he could only take it abroad if I was with him, driving or not.
That washed out the track day; I did offer to take his daughter to Le Mans
myself, but he gave me a strange look and knocked that one straight out of
court (pity!).

So - I had assumed that a named driver had equal status to me, but it seems
he's a second class citizen. Worth watching out for that one if you share a
car.

Just thought - technically the car belongs to my daughter, so in fact she's
the insured (although not able to drive it, being under 25) so I guess that
makes me a named driver as well... Think there's going to be some
negotiating at renewal time.

Geoff MacK

On Thu, 14 Jun 2007 13:12:54 +0100, "Geoff Mackenzie"
wrote:

I've just come across another potential problem with my classic insurance.
I have a "named driver" on the policy, a chap I have known for years and one
of the few people I trust to drive my car....

He wanted to take it (with me) to Castle Coombe for a track day, then use it
to take his daughter down to Le Mans. The wording in the policy being
impenetrable unless you are a lawyer or Stanley Unwin, I gave the broker a
call just to check all was OK. And it wasn't. Only I could drive it on the
track, and he could only take it abroad if I was with him, driving or not.
That washed out the track day; I did offer to take his daughter to Le Mans
myself, but he gave me a strange look and knocked that one straight out of
court (pity!).

So - I had assumed that a named driver had equal status to me, but it seems
he's a second class citizen. Worth watching out for that one if you share a
car.

Just thought - technically the car belongs to my daughter, so in fact she's
the insured (although not able to drive it, being under 25) so I guess that
makes me a named driver as well... Think there's going to be some
negotiating at renewal time.

Geoff MacK

Insurance companies have you over a great big barrel, don't they?

When I insured my Mini for my daughter, the classic companies wouldn't
touch it because she's 17. (Actually I had trouble getting a quote to
begin with as she didn't turn 17 until a month after I wanted the policy
to start!).
Anyway, I phoned the company that gave the most competitive quote, who
checked through all the details. They then informed me that it would
cost an extra £100 because my wife had a minor bump while driving my
other car (separate policy, different insurer), even though I wasn't
including her on this policy!

You just can't win with them.
--
Regards, Chris (Please take out my car to reply by plain text email)
---1967 Riley Elf---1978 Mini 1000---1971 Mini Clubman---
----1972 Mini Clubman estate----------1979 Ford Capri----
-----1966 Triumph Herald Estate------1957 Standard 8-----

"Chris Bolus" wrote in message
...
You just can't win with them.

If you can't afford the insurance, don't buy the cars, for christ sake these
are cheap to insure, stop whinging you old
women!

Aansar Ali Sunnah Aansar wrote in message
...

"Chris Bolus" wrote in message
...
You just can't win with them.

If you can't afford the insurance, don't buy the cars, for christ sake
these
are cheap to insure, stop whinging you old
women!

Those of us who have been in this NG for a while know what Geoff drives, so
you must be a new troll

(And I shouldn't really feed the trolls. Sorry folks!)

Jim

On Sat, 23 Jun 2007 06:22:43 GMT, "Jim Warren"
wrote:




Those of us who have been in this NG for a while know what Geoff drives, so
you must be a new troll

(And I shouldn't really feed the trolls. Sorry folks!)

Jim

I second the troll vote - he's now plonked.
--
Regards, Chris (Please take out my car to reply by plain text email)
---1967 Riley Elf---1978 Mini 1000---1971 Mini Clubman---
----1972 Mini Clubman estate----------1979 Ford Capri----
-----1966 Triumph Herald Estate------1957 Standard 8-----