Life isn't easy chap, you'll come to realise that in your advancing years. You just need to accept that arranging insurance takes time, answer the questions they ask, and review the policy wording, terms and conditions when you accept cover. Save your 'grumping' for something that really matters...
Again, the main problem isn't the questions they ask, or the wording, or the terms and conditions - it's the fact that it's near impossible to insure second cars / temporary vehicles / other people's cars, etc...
Add yourself to their policy, simple enough
I would have to persuade the owner to add me, then pay for the entire remainder of the policy, and could easily have to do this to several different cars depending on what I can borrow at any point in time... it makes 1000x more sense to just add a temporary vehicle.
There are no logical reasons why there cannot be 2 insurance policies in place on one car - claiming off both polices for the same thing would be fraud, but that is a different matter entirely.
There are also no logical reasons why you cannot insure a car owned by somebody else.
Although, when they ask if you own the car, why not just say "yes" ? There is no way of determining ownership of a car in the UK, so they can never prove you lied about this.
If your car is only worth £5 then put that down, but that is what you'll probably be offered for the car if you claim.
The insurers always tell me they will pay out the "market value" of the car - this is the main reason I asked why they bother asking for the value of the vehicle. I could tell them £5 or £5,000,000 and it won't affect it in the slightest.
To a degree I do agree however you simply cannot be spoon fed all your life, you need to take responsibility for your own actions, that means reading the details of the 12 month contract you have entered into. Checking whether you have DOC cover takes all of 10 seconds.
Maybe, but wouldn't you be pissed off if you bought a brand new Astra (for example) and it came without back seats? They never said it had back seats, but it would be
100% your fault for expecting it to have back seats simply because every car you have every bought did have them! See my point?
I sincerely hope that your company does not use these sort of underhanded tactics to lower the price and entice unwary people into a policy that does not fit their needs? Hastings Essentials obviously do, although in their defence they have offered to waive the cancellation fee if I upgrade to their Hastings Direct policy which does let policyholders drive other vehicles.
Add yourself to their policy, what's the issue with that?
If you have issues with your car being unreliable then buy something which isn't or run it as a second car.
See my 2nd point above.
And I do want to run the starlet as a 2nd car - perhaps you can tell me how to do this without paying at least 3 times my premium? (I would also have to pay two lots of road tax which is unfair since both cars would never be on the road at the same time, but that's another issue entirely)
To be honest, it's not particularly helpful to tell me to do it another (prohibitively expensive) way - I have limited funds (like most people) and simply can't afford to pay £500-£1000 extra just to occasionally drive other people's cars fully comp.
