If you have fully comprehensive cover is the named driver on your insurance also on fully comprehensive cover?

Question

If you have fully comprehensive cover is the named driver on your insurance also on fully comprehensive cover?

Answer 1

Yes, but only for your car.

Answer 2

In the USA, Yes.  unless specifically stated otherwise, because cars are insured, not drivers

Answer 3

Normally yes, but there may be conditions and excess differences say  if the other driver is much younger (esp under 25).

In all these cases it's best to phone the insurer and check

Answer 4

The named driver is fully comp as well,yes.

Answer 5

I'm pretty sure it's fully comp, but to get an offical answer ask the insurance company.

Answer 6

Yes.

Answer 7

So,a few of things you are supposed to think.I have had good experience here.......

http://insurance.online-assistant.info/i...

Answer 8

Not necessarily so.  The cover they are on can be either, but this needs to be specified when you apply for the cover with the insurer.  Your policy should specify for you.  The premium will be higher for F/C as opposed to T/PF&T and the excess can vary too.  If a person is covered on their own policy for F/C, they can in certain circumstances drive another vehicle with owners permission, but then they are only usually covered T/P or T/PF&T.  Contact your insurers for your specific cover details is my advice.  As you do not want to risk not being covered.

Answer 9

NO unless it is specified on you policy the named drive is only covered by third party

Answer 10

Yes, but the excess could be different dependent upon the age of the named driver.

Answer 11

No. they are only covered for third party.

Answer 12

Definitely for the vehicle the person is named driver on he/she is covered fully comprehensive but cannot drive any other vehicle as he/she does not have insurance in their own right. Point I think worth mentioning is that normally a person who is the policy holder and has fully comprehensive insurance can drive another car but only covered Third Party. However, more and more insurance companies are no longer allowing this and the insurance only covers the vehicle named on the policy so worth nowadays checking up on.