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The difference between ‘open driving’ and ‘driving other cars’

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By John Healy of Healy Insurances

What's the difference between ‘open driving’ and ‘driving other cars’?

This is a question we get asked on a regular basis. There can be some confusion on the differences. Let’s explain.

‘Open driving’

When open driving is present on your policy then anyone with a full EU licence can drive the vehicle with your permission and subject to the policy conditions. The cover on the policy, e.g. comprehensive, will extend to the other drivers. It is a very handy cover extension especially if you have friends or family who may use your vehicle. There are different types of open driving from ‘full open driving without age restrictions’ to ‘restricted open driving for 25 years old to 70 years old’ for example. Open driving can be an optional extension for private car and commercial vehicle policies.

‘Driving other cars’

This extension means that the policyholder has cover under their own policy to drive somebody else’s vehicle (the cover is on a Third Party basis). This means that if the policyholder has an accident whilst driving someone else’s car and makes a claim, only damage done to the other car will be covered. If there is damage to the car the policyholder is driving, the costs of those repairs will be borne by the policy holder. If a friend or family member regularly uses your car then it may be best to name that person on your policy. Some insurers may limit the engine size or age of the vehicle that you can drive under the driving other cars extension. Driving of other cars may not be available if the policyholder is aged under 25 however we do have some insurers who can include this cover. Driving other cars is not available for commercial vehicle polices.

As there is a diverse difference in cover across the market it is important to get the right advice in relation to your own motor policy.

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Kilcummin Mothers & Others quiz raises over €1,800 for charity

Kilcummin Gaelic Mothers & Others hosted a hugely successful Halloween-themed table quiz last Friday night at the Kilcummin Klub Bar and GAA Hall, raising over €1,800 for charity. The event […]

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Kilcummin Gaelic Mothers & Others hosted a hugely successful Halloween-themed table quiz last Friday night at the Kilcummin Klub Bar and GAA Hall, raising over €1,800 for charity.

The event saw an excellent turnout of more than 130 people, with funds set to be split between Temple Street Children’s Hospital and the local Kilcummin Mothers & Others ladies football team.
Many attendees embraced the Halloween spirit by arriving in “Spooktacular” costumes, adding to the fun of the evening. Organisers noted that the “Big Raffle,” supported by generous local businesses and individuals who contributed prizes, played a significant part in the successful financial outcome.
Quiz Master Derek O’Leary put participants through their paces with a variety of challenging questions. Team member Catriona Doolan, one of the organisers, described the evening as “undoubtedly a great social evening for all in attendance,” confirming that a family fun night was had by all.
Organisers extended their gratitude to Kilcummin GAA, as well as John O’Sullivan and staff for facilitating the event and providing a wonderful array of finger food at half-time. Thanks were also given to Nessa and Declan for supplying the sound system.
The Kilcummin Mothers & Others group is always open to new members. Those wishing to join the vibrant and fun-active group can contact Ann Marie on 087 9047274.

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New bus route to Mallow will be a “game changer”

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A new bus service linking Mallow and Killarney is in the final stages of planning, according to Cork North West Fine Gael TD John Paul O’Shea.

Commencement is dependent on the availability of resources and funding.

Once operational, the route is expected to offer up to six return journeys daily, seven days a week.

The new service, which will be known as Route 515, will connect Mallow and Killarney and service villages such as Ballyclough, Castlemagner, Kanturk, Boherbue, Knocknagree, Rathmore, Gneeveguilla and Kilcummin en route.

Deputy O’Shea has welcomed the news describing it as “excellent” for the local communities.

He said: “Reliable public transport is vital for connecting people across rural North Cork and Kerry supporting access to work, education, healthcare, and local amenities.”

Fine Gael councillor Tony O’Shea also praised the initiative, calling it a “game changer” for local residents by “greatly enhancing connectivity in Mallow”.

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