wgdanson Posted September 15, 2018 Share Posted September 15, 2018 I am teaching/showing my 19 yr old step-daughter how to drive. Anyone know whether, if she had a fault/no-fault accident, would my AXA insurance pay up for damages to my car please? Link to comment Share on other sites More sharing options...
metisdead Posted September 15, 2018 Share Posted September 15, 2018 Moving to the Insurance forum for knowledgeable answers. Link to comment Share on other sites More sharing options...
CharlieH Posted September 15, 2018 Share Posted September 15, 2018 My understanding is that its the vehicle thats covered not whose driving it. However as an "unqualified driver" I would ask you Ins company directly. Link to comment Share on other sites More sharing options...
Vacuum Posted September 15, 2018 Share Posted September 15, 2018 22 minutes ago, CharlieH said: My understanding is that its the vehicle thats covered not whose driving it. However as an "unqualified driver" I would ask you Ins company directly. You can choose if 'any driver' or one specific driver is covered. Link to comment Share on other sites More sharing options...
Kwasaki Posted September 15, 2018 Share Posted September 15, 2018 First Class No.1 insurance whatever you call it and Gov Compulsory insurance covers a vehicle, who drives it doesn't matter unless you're No.1 insurance has name drivers the CTPL is not affected. Link to comment Share on other sites More sharing options...
brianthainess Posted September 15, 2018 Share Posted September 15, 2018 In Thailand is there such a thing as learner ?????????? Link to comment Share on other sites More sharing options...
Vacuum Posted September 15, 2018 Share Posted September 15, 2018 5 minutes ago, brianthainess said: In Thailand is there such a thing as learner ?????????? Yes, all Thai drivers are learners, what's missing are teachers. Link to comment Share on other sites More sharing options...
CharlieH Posted September 15, 2018 Share Posted September 15, 2018 "Any driver" usually means "qualified" (has a valid licence to drive) but best to check and ask ! To ensure the cover is there for an unqualified learner. Link to comment Share on other sites More sharing options...
Vacuum Posted September 15, 2018 Share Posted September 15, 2018 On a sidenote; would this kind of "teaching" considered as "work"? Link to comment Share on other sites More sharing options...
CharlieH Posted September 15, 2018 Share Posted September 15, 2018 9 minutes ago, Vacuum said: On a sidenote; would this kind of "teaching" considered as "work"? Lets not go there and derail this topic please. Link to comment Share on other sites More sharing options...
geriatrickid Posted September 15, 2018 Share Posted September 15, 2018 It's a black hole isn't it? Technically, only those who have a valid drivers license are allowed to drive. The Motor policy has the following relevant clauses; 2. Definition Unless otherwise specified in this Policy, when used in this Policy or endorsement: “Insured” means the person shown as the Insured in the Schedule; “ Coverage specific to the vehicle itself - Physical damage. (i.e. your daughter drives into a wall.) 9. Other exclusions This insurance also does not cover: 9.4 Driving of the Motor Vehicle by any person who has not been granted a valid driver’s license, or had been granted a valid driving license but was barred from using the driving license, or being granted a driver’s license for motorbikes but uses such license for driving of the Motor Vehicle. The exclusions as stated in 9.1, 9.2, 9.3 and 9.4 do not apply in the event the damage of the Motor Vehicle is not due to the negligence of the driver of the Motor Vehicle under this Policy. However, in the event the Policy specifies a named driver, the exclusion in 9.4 does not apply if the driver at the time of the accident is the same person as specified in the Schedule. The above means that unless the driver has a license, the vehicle won't be covered for the physical damage the driver is responsible for. If another driver is responsible, the policy responds. I suggest that you declare the change in material fact to the insurer. Do it in writing, providing name, age, sex date of birth and license number. If you fax you can get a receipt. The policy can be endorsed/amended to cover the daughter while learning when you are in the vehicle. Link to comment Share on other sites More sharing options...
ThaidDown Posted September 15, 2018 Share Posted September 15, 2018 If a person does not have a license it is legal for them to drive if accompanied by a person who has held a license to drive that class of vehicle for at least three years and there are no other persons in the vehicle. That is being legal to be on the road. Whether you are also fully covered under your insurance policy depends on their small print. The only sure way (unless specifically allowed in the policy terms) is to get the ok in writing, on company letterhead, from the insurance company (not just broker or agent). Link to comment Share on other sites More sharing options...
jackdd Posted September 16, 2018 Share Posted September 16, 2018 Let her get the license first and then show her how to drive Link to comment Share on other sites More sharing options...
topt Posted September 16, 2018 Share Posted September 16, 2018 On 9/15/2018 at 11:17 AM, geriatrickid said: The Motor policy has the following relevant clauses; Which insurance company is this? Link to comment Share on other sites More sharing options...
Gulfsailor Posted September 16, 2018 Share Posted September 16, 2018 On 9/15/2018 at 11:18 AM, ThaidDown said: If a person does not have a license it is legal for them to drive if accompanied by a person who has held a license to drive that class of vehicle for at least three years and there are no other persons in the vehicle. I have never heard of this, nor can I find a reference to this online. Where did you get this information from? Link to comment Share on other sites More sharing options...
ThaidDown Posted September 17, 2018 Share Posted September 17, 2018 9 hours ago, Gulfsailor said: I have never heard of this, nor can I find a reference to this online. Where did you get this information from? Motor Vehicle Act Section 57. Section 57 When practicing to drive a motor vehicle, the learner must be under the instruction of a driver who has had the license for that vehicle for at least 3 years. During the driving lesson, no other person than the learner and the instructor may stay in the vehicle. The instructor is responsible for any damage or accident during a lesson, unless it is proved that the learner refused to obey his instruction. Link to comment Share on other sites More sharing options...
stevenl Posted September 17, 2018 Share Posted September 17, 2018 On 9/15/2018 at 11:17 AM, geriatrickid said: It's a black hole isn't it? Technically, only those who have a valid drivers license are allowed to drive. The Motor policy has the following relevant clauses; 2. Definition Unless otherwise specified in this Policy, when used in this Policy or endorsement: “Insured” means the person shown as the Insured in the Schedule; “ Coverage specific to the vehicle itself - Physical damage. (i.e. your daughter drives into a wall.) 9. Other exclusions This insurance also does not cover: 9.4 Driving of the Motor Vehicle by any person who has not been granted a valid driver’s license, or had been granted a valid driving license but was barred from using the driving license, or being granted a driver’s license for motorbikes but uses such license for driving of the Motor Vehicle. The exclusions as stated in 9.1, 9.2, 9.3 and 9.4 do not apply in the event the damage of the Motor Vehicle is not due to the negligence of the driver of the Motor Vehicle under this Policy. However, in the event the Policy specifies a named driver, the exclusion in 9.4 does not apply if the driver at the time of the accident is the same person as specified in the Schedule. The above means that unless the driver has a license, the vehicle won't be covered for the physical damage the driver is responsible for. If another driver is responsible, the policy responds. I suggest that you declare the change in material fact to the insurer. Do it in writing, providing name, age, sex date of birth and license number. If you fax you can get a receipt. The policy can be endorsed/amended to cover the daughter while learning when you are in the vehicle. There will in most policies be an additional clause, allowing learners to drive with teacher (can be anybody) sitting on the left side. Link to comment Share on other sites More sharing options...
geriatrickid Posted September 18, 2018 Share Posted September 18, 2018 On 9/16/2018 at 11:25 AM, topt said: Which insurance company is this? AXA, but Allianz and Liberty affiliates have similar language Link to comment Share on other sites More sharing options...
topt Posted September 18, 2018 Share Posted September 18, 2018 1 hour ago, geriatrickid said: AXA, but Allianz and Liberty affiliates have similar language Thanks I have Axa but don't remember seeing that clause. I must re-read. Link to comment Share on other sites More sharing options...
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