Interesting reading on my new car insurance policy

[stocktake]

So, just renewed my car insurance and after the mandatory phone call to get the real price, I was informed the policy was the same. when reading through the policy I came across this

Third party liabilities
Old wording.
What is covered:
You using a Motor car not belonging to you and not hired to you under a hire purchased agreement or leased to you under a lease agreement.

New wording.
What is covered:
You using a motor car not belonging or loaned to you and not hired to you under a hire purchased agreement or leased to you under a lease agreement.

Now as I read that if I move the wife's car out of the drive to get mine out the new wording (loaned) means I am not insured to do so as I am using it with her permission? where as before I was.

For us it's not an issue as we are both named drivers on each others policy but it looks more like third party cover is being removed from policies in general. I have previously seen partner or spouse wording included to exclude cover. Read your policies carefully folks

[wraymond]

Dave, as the car does not belong to you, it seems to me you should seek an answer from your insurers. Er, in writing. I don't think it could be considered 'a loan' car, but best to have it in writing.
Presumably, you are not a named driver on your wife's policy?

[Teflon]

Surely if a car isn't owned by you, loaned to you, or hired by you, then you wouldn't be driving it in the first place.

Perhaps it would be simpler if they changed the wording to:

"What is covered:
You using a motor car you've stolen"

Seriously though, I'd check with your insurers as per Wraymonds suggestion.

Cliff

[stocktake]

Gents, as per my original post we are both named on each others policy as a named driver so it has no implication to us. However I know some insurance policies actually prevent you driving your spouse's car with third party cover whilst others allow it, this proves very handy as I said for moving one car out of the way to access the other.
The latest addition to this policy appears to indicate you do not have third party cover on any car loaned to you. So, it's either loaned, hired or taken without consent. As Teflon said if you stole it your covered

[wraymond]

I'll put it another way Dave. You say you are not covered on your policy if you drive your wife's car on to the road to allow access. Are you covered on her policy under those circumstances for that risk? If so, your policy becomes irrelevant as you, presumably, are a driver for that risk on her policy.
I take your point that conditions change and due care is needed, it happens every year. HTH.

[stocktake]

Hi Ray, I quite understand that as I am a named driver on my wife's car and vice versa then it has no implication to us. It was more to make the point that regardless of brokers saying " exactly same cover" it is not.