Car insurance companies may axe customers policy agreements if they drive vehicles which they are not insured to use. Motorists must secure a special DOC (Driving other cars) policy before getting behind the wheel of other vehicles which are not covered by fully comprehensive insurance.
However, road users may struggle to pick up DOC policies at all with car insurance experts revealing the special agreement is being phased out.
Last year, car insurance firm Tempcover found the policies were slowly being removed from use after they were often abused by motorists.
Some were using the clause to avoid paying high car insurance costs with DOC policies now an added extra provided to some users.
Experts warn those under the age of 25 are unlikely to be offered a DOC agreement while this that do manage to secure the agreement could face extra restrictions.
Analysis from Go Compare found 93 percent of comprehensive car insurance policies did not cover motorists to drive other cars.
They found only 13 companies offered a DOC agreement as standard but did come with certain restrictions.
Admiral said the company offers the policyholder to drive someone else’s car in most cases but confirmed those under 25 would not receive the benefit.
AXA insurance also confirmed the DOC policy did come with certain restrictions and urged motorists to check their cover.
Previously motorists were able to drive any vehicle as long as they had a fully comprehensive policy.
However, this is also being retracted by car insurance companies which could leave many motorists unexpectedly caught out.
The changes mean motorists may be unable to even drive their partners or children’s cars unless they are a named driver on an insurance policy.
Motorists caught driving without a valid DOC policy could face strict penalties from police officers.
Road users are likely to be charged with driving without valid car insurance which comes with a penalty of six to eight penalty points and a £300 fixed fine.
Thousands of road users could be caught out by failing to check whether they are covered by a DOC policy.
Data from the Motor Insurance Bureau (MIB) revealed police officers had made over 4,000 calls to the MIB lasting to DOC incidents.
More than 1,500 cars were seized by police officers after motorists were found driving without the correct level of cover.
Motorists who invalidate their car insurance policy would be liable to pay for any car damage themselves.
Invalidating your policy could lead to further long-term effects as insurance providers may refuse to offer you cover in the future.
This is likely to lead to increased premium prices and may force some road users to get a policy from a specialist provider which will be more expensive than high-street stores.
Published at Fri, 06 Mar 2020 06:34:00 +0000