[oldman]

I have found a clause "There will be no cover for loss, damage or liability, arising out of the use of the car by any household member/s not listed on this policy"

Kind of glad of the rear ender now that she was "not at fault" as she would not have been covered at all for a "at fault".

That being said, in this particular case, in what way, shape or form am I requesting cover for loss, damage or liability from Budget Direct for a "not at fault" accident.

AAMI is the "at fault" insurer, so they cover the lot.