Can fully comprehensive driver drive other peoples cars

Many people assume that their own comprehensive car insurance. Jan 21, 2018 the driving other cars on a third party only basis extension is only provided on policies where this is specifically detailed on your most recent certificate of motor insurance. Admiral has been voted the uks best car insurance provider in the personal finance awards 201819 for the sixth year running. If you are completing a quote online, you can check if you will be covered to drive other cars by checking the terms and conditions section on the quote page. Fully comprehensive car insurance is the highest level of cover you can take out for your car.

You can find and compare car insurance rates online in just minutes with our free multicompany comparison tool. Insurance to drive other cars doc cover used to be a standard feature of comprehensive insurance policies. Fully comprehensive car insurance moneysupermarket. Secondly, the insurance of the driver, you, would be involved if the primary coverage is not enough to cover damage costs. Insurance to drive other cars doc cover used to be a standard feature of comprehensive insurance policies, but its rare these days. Comprehensive car insurance offers one of the highest levels of protection, it covers the same things as third party only and third party fire and theft, but on top of all that, it covers your own car in an accident. Were here to clear up this long standing question so you can hit the road knowing youre properly protected. Comprehensive car insurance, also known as fully comp, is the top level of nonbusiness insurance you can get for your car. Be wiser insurance services ltd are authorised and regulated by the. Driving someone else s car when you dont have a driving other cars extension.

Can i drive any car with fully comprehensive insurance. Jan 25, 2016 secondly, the insurance of the driver, you, would be involved if the primary coverage is not enough to cover damage costs. In the past, most comprehensive car insurance policies included driving other cars doc, giving drivers third party policy protection when driving other people s cars with their permission. The rules have changed so dont assume youre covered. Drive other car coverage provides liability, medical payments, uninsuredunderinsured motorist, and physical damage coverage for the personal use of a nonowned automobile by the individual wished to protect. Insurance to drive any car at gocompare can i drive. Its the perfect affordable, flexible solution for your car lending and borrowing needs. Make sure you are fully aware of the liability you may be opening yourself, and your auto policy. I have car insurance and so does she, so would the car be covered under my insurance, her insurance, or would it be like driving without being insured from a legal stand point. Will my friends insurance cover any damages i cause while driving their. We debunk the popular myth that car insurance follows the driver and offer some. If it is not mentioned on your policy you should phone your insurer to clarify the situation. This being said, under most insurance policies, others can drive your vehicle as long as you give them permission and you should be able to driver other friends or family member s cars as well. If youre the policyholder and youre aged 25 or over, then admiral may be able to arrange third party cover for you to drive someone elses car.

If they need to make a claim, the owners policy isnt affected. If you are fully comp on your car can you drive another. Keep collision and comprehensive on your vehicle if you want it covered in the event of an. Driving other vehicles what exactly are you covered for. Home safer driving safer driving driving other cars. If youd like to know more or are interested in adding this benefit to your policy please give us a call on 01 448 48 48 and one of our customer service representatives will be delighted to help.

You can check if youre covered on your certificate of motor insurance. You do not own a car can you get a policy to drive other. There are two types of policy available third party fire and theft and comprehensive. Many drivers believe that you can jump in someone elses car and be covered. We will then provide cover for the vehicle policyholders who meet the above criteria to drive any other cars, third party only, that are not owned by or registered to them and. Youll find it under section 5 called persons or classes of persons entitled to drive. While traditionally fully comp meant you could drive any car, this has changed. As a named driver on a policy, can i drive other cars. You do not own a car can you get a policy to drive other peoples cars. The trouble is, each insurer has its own set of rules when it comes to the definition of fully comprehensive, meaning the level of cover can vary depending upon who youre insured with. Some policies still automatically include cover to drive other cars, but it is likely to be limited. Third party is the minimum cover you legally need to drive. Please refer to your certificate of motor insurance for confirmation that you have this cover, or call us on 0345 246 8701.

In the uk, it is a legal requirement for all cars being driven to have a car insurance policy. Does being fully comprehensive on car insurance mean you can. Posted on december 31, 2012 by icuk with the festive season just passed and people enjoying themselves as they should be, we had a situation with clients which we know which has led to. A lot of people assume that the named driver given in the above example can also drive other peoples cars and be insured under the above policy this is not the case. A few years ago, cover to drive other cars was a standard feature of most comprehensive car insurance policies. Were award winning because we listen to our customers and give them the information they need to choose the right cover. When an insured allows other drivers to drive his vehicle, then, and only then, does the question of whether insurance follows the car or the vehicle become even. Some people assume that you can, but its not always true. You have fully comprehensive insurance, so can you drive. Does your car insurance cover you to drive another car. Standard motor insurance usually covers only the car listed on the policy. If you need to drive someone elses car on a more regular basis, rather than just on ad hoc occasions, then being added as a named driver to someone elses car insurance policy is a good option. If it does not include this wording, or has alternative wording to advise you that it is not in place, you are not covered to driver other cars.

Be wiser insurance is a trading name of be wiser insurance services ltd. If youve got fully comprehensive car insurance you might assume this covers you to drive someone elses car with the same level of protection it is fully comprehensive after all. In an accident, a third party policy covers the other person s car and property but not your own, while fire and theft protects your car if it s stolen or damaged by fire. Can i drive other cars with a fully comprehensive car insurance policy. The driving other cars on a third party only basis extension is only provided on policies where this is specifically detailed on your most recent certificate of motor insurance. The other driver pursued him via the county court for money to repair his damaged vehicle. Youre aged 25 years from the start date or last renewal date of your policy. Driving other cars doc provides third party only cover and is restricted to policyholders only and will not apply to policyholders aged under 25 andor policyholders engaged in the motor trade. Can you drive any car on a fully comprehensive car insurance policy. Do i have to have insurance to drive someone elses car. This will depend on a variety of factors including your age and the type of policy cover you choose. Is this a standard benefit of fully comprehensive cover or is it only certain companies that do this. On hastings direct or hastings premier car policy, its likely youll be covered to drive other cars.

There are two other types of insurance you can choose. If anyone else needs to drive your car in an emergency, they would need to check their own insurance policy to confirm they have third party cover to drive other cars. This being said, under most insurance policies, others can drive your vehicle as long as you give them permission and you should be able to driver other friends or family members cars as well. And the chances are your cover will actually drop down to third party only when driving another car. You can only use the car in the uk for the purposes stated on your certificate. Driving someone elses car when you dont have a driving other cars extension not all insurance policies include this. In theory, anyone can be added as a named driver, but the main insurer needs to action this. Adding an additional driver to your car insurance admiral. Can i drive anybodys car if i have fully comp insurance. Does this allow me to drive other cars or only my own thanks in advnace. It used to be the case that cover for driving other cars doc was included. Driving someone elses car and car insurance aa insurance. Insurance to drive any car at gocompare can i drive someone. Does comprehensive car insurance cover me to drive other cars.

You can even get one day cover to drive someone elses car. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. Your car insurance certificate provides proof that you are legally covered to drive your car, so it should always be kept in a safe place. Jan 23, 2010 can you legally drive other peoples cars. Mar 31, 2015 a lot of people assume that the named driver given in the above example can also drive other peoples cars and be insured under the above policy this is not the case. Driving other cars is popular because it gives you flexibility if you need to drive someone elses car.

So, if you buy cover for your ford focus, dont assume you are insured if you take your friends bmw for a spin. Although driving other cars cover does allow you to drive another vehicle, most policies will only cover you to drive other cars with third party cover, rather than the fully comprehensive cover you get on your own car. If youre the policyholder and youre aged 25 or over, then admiral may be able to arrange third party cover for you to drive someone else s car. When it comes to driving other peoples cars, a lot of people believe that if you have a fully comprehensive policy on your own car then youll have third party cover from your insurer on someone elses car. Please check the small print of your car insurance policy to clarify whether you are covered to drive other cars. Typically, this gave you thirdparty cover to drive cars not listed on your policy. This meant it was legal to drive another car without being a named driver, but that you could be liable for the full cost of any damage to the vehicle. It provides coverage for you and your vehicle as well as other road users more than you get with thirdparty, fire, and theft and thirdparty policies. Does automobile insurance follow the car or the driver. In order to do so, they would have to be a named driver on the policy of the car that they want to drive or have their own fully comprehensive car insurance policy.

If a driver does legitimately use their driving other cars extension to drive another persons vehicle, and they are involved in an accident in which they are deemed at fault the insurance company of the policyholder driving, rather than that of the vehicle, will be responsible for the claim. Driving other cars doc cover applies to vehicle policyholders only. And both the driver and car owner can run into trouble if caught without the necessary cover. Determining which drivers must be listed on your car. You have the owner s express consent to drive the vehicle. Some people assume that you can, but it s not always true. These days many drivers are unlikely to find the drive any car clause in their annual insurance policy wording. If you already have a tesco bank car insurance policy, details of your eligibility to drive another vehicle can be found on your certificate of motor insurance under section 5. Your policy should usually state whether or not you can drive other peoples cars, but you generally have to be at least 2425 years of age i believe with a fully comprehensive insurance policy in your own name. Comprehensive drive any car insurance get a quote adrian flux. Determining which drivers must be listed on your car insurance policy. In the past, most comprehensive car insurance policies included driving other cars doc, giving drivers third party policy protection when driving other peoples cars with their permission. Why driving someone elses car is probably illegal even if youre.

But did you know driving without the right insurance amounts to the same thing. In an accident, a third party policy covers the other persons car and property but not your own, while fire and theft protects your car if its stolen or damaged by fire. Drivers under 25 are almost never covered to drive other cars and were targeted specifically when many top insurance providers like admiral. They need to be 25 or over at inception or renewal of the policy and have comprehensive cover.

The extension to drive other cars only applies to the policyholder and not named drivers. If you dont have your certificate to hand, you can view it online in myaccount. Generally, you can file a claim with the atfault partys insurance, skip paying. Weve all seen police, camera, action we know driving without car insurance is illegal. For years, drivers who have fully comprehensive insurance have hopped in. On hastings direct or hastings premier car policy, it s likely youll be covered to drive other cars.

Drive other car insurance can provide protection for the executive of a partnership or corporation or their spouse when driving a nonowned car, such as a vehicle that is rented or borrowed. Each year drivers discover to their horror, sometimes only after a tragic accident. Find out about driving other cars on a third party basis. Sep 03, 2018 can i drive any car with fully comprehensive insurance. Fully comprehensive insurance is exactly the same as comprehensive insurance and is just another name for same level of cover. If you are completing a quote online, you can check if you will be covered to drive other cars by checking the terms and conditions. It used to be the case that cover for driving other cars doc was included by most insurers on comprehensive car insurance policies. You can be insured either by the car owner himself or by nonowner car insurance. Comprehensive car insurance personalised cover hastings. Comprehensive and collision auto insurance coverage, on the other hand, are tied to the. If, for example, you borrowed your neighbours car when your vehicle was in the garage, you would more than likely be covered by your own insurance. If you already have a tesco bank car insurance policy, details of your eligibility to drive another vehicle can be found on your certificate of motor insurance.

Car sharing insurance offers peace of mind for both owners and drivers. If you have fully comp insurance can you drive any car. Our unique drive any driver insurance policy, provided by no other company on the insurance market, is ideal for helping you make the most of other people s cars. Mar 22, 2018 you need car insurance to drive someone elses car. If an individual, for example a company officer, does not have their own personal auto policy and drives a corporate car, you would want to add this coverage to protect them from. You have fully comprehensive insurance, so can you drive other private cars which do not belong to you. Does being fully comprehensive on car insurance mean you can drive other cars. Does car insurance cover include driving other cars. If you are fully comp on your car can you drive another car. Our unique drive any driver insurance policy, provided by no other company on the insurance market, is ideal for helping you make the most of other peoples cars. However my dad is down as the main driver of my car, and i am a named driver. Can my brotherin law or other family member borrow my car for the. You do not necessarily need to take out a policy in your name.

Not all insurance policies include this cover and the ones that do require the car youre driving to be covered by its own policy as well. It only provides cover for third party damage or injury, and not fire, theft or accidental damage. Youll need to check the terms and conditions of your comprehensive car insurance to see if youve got doc cover and what that includes. The trouble is, each insurer has its own set of rules when it comes to the definition of fully comprehensive, meaning the level of cover can vary. You dont own the car, and dont have it on hire purchase. Does being fully comprehensive on car insurance mean you. If you own a second car, dont think you can get around getting insurance for it by using your driving other cars cover from. You may think, because you have fully comprehensive car insurance youre covered to drive someone elses car, or because a friend has car insurance of their own they can drive your car. You still have your vehicle, and it isnt damaged beyond cost effective repair. Most people assume that a comprehensive policy means yes. Drive other car insurance is similar to an individual named insured endorsement. Motorists who believe they are automatically insured to drive other peoples cars under their own policy may be in for a serious shock if they are stopped by the police or involved in an accident. Hi there, on my certificate of motor insurance it states i can drive other vehicles with owners permission but only as third party cover.