[dayskipper]

I think I know the answer, but I’ll ask anyway. Now that we are with Direct Line insurance, are we covered to drive any other car (with the owner’s permission!) than the motability vehicle?

Topic

[MFillingham]

Nope.

They haven’t bothered to cover the inside of the car, so there’s no chance they’ll bother covering you for something else.

I'm Autistic, if I say something you find offensive, please let me know, I can guarantee it was unintentional.
I'll try to give my honest opinion but am always open to learning.

Mark

[Glos Guy]

I also think that the answer is no.

[joss]

And it is a definite NO from me

Joss
Current car: BMW X2 sDrive 20i M Sport 5dr Step Auto In metallic Portimão Blue. 04:10:2025
Previous car:Peugeot 308 GT Premium 1.2 Pure tech Petrol.

[kezo]

And its a definate no from me to

[Glos Guy]

From memory, in the past the Motability insurance covered us to drive a dealer supplied courtesy car when the Motability car was in for a service, but they don’t even cover that now. I recall some years ago a dealer telling me that this had been withdrawn and I had to take out their insurance. Dealer provided insurance can be sobering. I’ve had a number of multi-day test drives recently and the excess was £2,500 which was a bit disconcerting when I was testing a high performance car and wanted to drive it in anger 😂

[Heathw]

Glos Guy wrote:

From memory, in the past the Motability insurance covered us to drive a dealer supplied courtesy car when the Motability car was in for a service, but they don’t even cover that now. I recall some years ago a dealer telling me that this had been withdrawn and I had to take out their insurance. Dealer provided insurance can be sobering. I’ve had a number of multi-day test drives recently and the excess was £2,500 which was a bit disconcerting when I was testing a high performance car and wanted to drive it in anger

That cover is still in place, the dealers just prefer you to pay for their own insurance. The insurance certificate specifically mentions being covered for test drives to assist suitability and temporary replacements for servicing, etc.

[ChrisK]

From the Horses mouth…

Only drivers approved by DLM and named as permitted drivers on your Certificate of Motor Insurance may drive the vehicle > You will not be covered for driving any other vehicle, unless it is a replacement vehicle, provided by or on behalf of Motability Operations Ltd in temporary replacement of the vehicle under the Motability Contract Hire Scheme > Personal belongings in the vehicle are not “

 

 

[chastw]

I am leaving the Motability scheme tomorrow after 12 years. We have a special needs daughter and my wife was the appointee for PIP. My wife has never driven a car and I was the main driver, so in 12 years there has been only myself that has driven the car.

Direct Line has sent me a letter with my no claims history, and I got a telephone quote for my new private car from Direct Line who said they would accept the full 12 years no claims history bonus. The quote was very expensive, and was told to try comparison web sites.

Looking at two comparison web sites there was a vast variation in the prices between insurance companies.

I have taken insurance out with Admiral, a Gold policy with zero no claims bonus but at nearly £250 cheaper than the price of the Direct Line with full no claims, same excess cost and cover.

 

 

[Woodpecker]

chastw wrote:

I am leaving the Motability scheme tomorrow after 12 years. We have a special needs daughter and my wife was the appointee for PIP. My wife has never driven a car and I was the main driver, so in 12 years there has been only myself that has driven the car. Direct Line has sent me a letter with my no claims history, and I got a telephone quote for my new private car from Direct Line who said they would accept the full 12 years no claims history bonus. The quote was very expensive, and was told to try comparison web sites. Looking at two comparison web sites there was a vast variation in the prices between insurance companies. I have taken insurance out with Admiral, a Gold policy with zero no claims bonus but at nearly £250 cheaper than the price of the Direct Line with full no claims, same excess cost and cover.

Oh that is excellent news. Thanks for sharing..

I was with Direct Line for many years before Motability and they were very fair and didnt rip yo off.

But that is excellent news for a change..good result.

[Author]

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