My grandma's Accord is covered by Saga Insurance, and one of the points on the policy is that it includes "any driver" insurance in a motoring or medical emergency, provided she is in the car at the same time. So, the question is, what exactly is a "motoring emergency".
Does this policy provide cover for me to drive my grandma around in her own car? I'm actually insured on the policy as a named driver, but it may be cheaper to remove me if I'm only going to drive the car with my grandma in it. There's nothing specific named in the policy booklet, it simply says that the insurance policy rights transfer to me when I'm behind the wheel, and that the driver must have a full driving license.
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If someone was to breakdown or have an accident resulting in the car in an un-drivable condition, stuck in the middle of nowhere etc...etc
Does that help?
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Its not what you drive, its how you drive it! :-)
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Well, I did wonder that - but if the car is broken down in un-drivable, it seems a little pointless including any driver cover on the policy. A medical emergency I can understand (although frankly if it was serious enough I wouldn't be concerning myself with insurance at the time...) but I'm stumped on the motoring side of things. ;)
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I've just checked my SAGA policy and you are correct in saying that it is not very specific - it doesn't say what a motoring "emergency" is. But I would doubt that it would cover you just taking her out for a drive or to the shops. My impression is that it would cover you if she became incapacitated in some way while out on a drive and would enable you to drive her home in her car. Or if she was taken (say) to hospital you (or someone else with her permission) would be able to drive her car directly back to her home.
Might be worth giving them a ring - though I am sure that it won't cover you in same way as a "named driver".
Going for a spin with her on Sunday afternoon is perhaps not generally considered an "emergency"!!
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Phil
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What is a "motoring emergency"?
I've just checked my SAGA policy and you are correct in saying that it is not very specific - it doesn't say what a motoring "emergency" is.
david horn and phil-w:
answers to these questions on page 6 of their policy booklet - see
www.saga.co.uk/finance/policy_docs/PDFs/Motor.pdf
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The last sentence in Section 1 of "We cover the following" (top left-hand of page 9) shows one of the ways Saga keep their costs down!
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L\'escargot.
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... shows one of the ways Saga keep their costs down!
i am not sure if is any different to any other insurance company, but maybe you can tell me in which way it is different?
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I would suspect it means precisely that.
If she has a passenger with her whilst out driving and is unexpectedly, for instance, taken ill and is unable to drive, the passenger would be covered to drive her home, to hospital or a friend or relative's home on a third party basis.
On the passenger's own insurance cover (assuming they are a policy holder), he/she could only drive another vehicle with the owner's permission. Such permission might be difficult to obtain if the driver is, for example, is taken very ill.
I'm sure an insurance company would be generous in such circumstances, but at least it's one worry removed with the Saga addition.
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What\'s for you won\'t pass you by
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The link Dalglish posted says:
Motoring Emergency:
A sudden unforeseen event relating to an emergency involving your vehicle leading to you or your spouse or domestic partner being unable to drive your vehicle.
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But local yokel's thread contains the words: "...any driver" insurance in a motoring or medical emergency, provided she is in the car at the same time,"
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What\'s for you won\'t pass you by
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i don't know what the discussion between stuarti and local-yokel is all about, but the question asked by the o.p. is comprehensively covered by
www.saga.co.uk/finance/policy_docs/PDFs/Motor.pdf
section 10 on page 12
section 2 on page 14
as the saying goes: "rtfm" ; - but in this case "rtf policy booklet"
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don't know what the discussion between stuarti and local-yokel is all about>>
Should, of course, have been David Horn with regard to the thread.....
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What\'s for you won\'t pass you by
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i don't know what the discussion between stuarti and local-yokel is all about, but the question asked by the o.p. is comprehensively covered by www.saga.co.uk/finance/policy_docs/PDFs/Motor.pdf section 10 on page 12 section 2 on page 14 as the saying goes: "rtfm" ; - but in this case "rtf policy booklet"
Uh, actually, all it says is "in the event of a motoring emergency", not what one actually is, which is what I wanted to know - helpfully answered by another poster.
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Uh, actually, all it says is "in the event of a motoring emergency", not what one actually is, which is what I wanted to know - helpfully answered by another poster.
so, apart from being a puny muscleless wimp who cannot control a car's doors or a trolley in a car park,
when parked next to bmw x5:
it seems you cannot rtfpd, and you cannot read replies to your thread either.
see my post and get automatic " narration " software to read it out to you :
www.honestjohn.co.uk/forum/post/index.htm?t=50548&...e
What is a "motoring emergency"? - Dalglish Thu 29 Mar 07 11:26
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