If an insurer suspects fronting has taken place, they can refuse to cover costs for damage and withdraw the insurance. This type of cover is useful if you know you'll only need to drive the other car for a few days, rather than need access to it throughout the year. LV provide various forms of car insurance cover, including: Third Party, Fire & Theft Third party cover is the minimum insurance required by law in the UK if you are driving a vehicle on public roads. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy. Aside from adding an experienced driver to your policy or adding yourself to an experienced driver’s policy, you should also consider the following ways to get a cheaper car insurance quote: Choose fully comprehensive: Fully comprehensive car insurance policies offer the highest level of cover, and they’re also usually the cheapest. Not everyone with fully comp cover is eligible for this extension on their policy. “If you borrow a friend or family member’s car under the assumption your insurance allows you to drive any other … It is also worth noting that named drivers on a policy have the same facility as the policyholder, so if you have comprehensive insurance cover as the main driver, then any named drivers will also have fully comp insurance and if you are allowed to drive other cars… This cover only applies to the policyholder not to the named drivers. It's illegal to drive without at least third party insurance. The 'driving other cars' extension was once an … Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. What is comprehensive car insurance? Driving Other Cars (DOC) Car Insurance As part of your car insurance policy some car insurance companies will provide third party cover to drive other cars. Learn more about cookies. That's why some insurers no longer offer this cover. Answer. Answer. Driving of other cars* is an optional cover and additional charges may apply. You’ll need to check the terms and conditions of your comprehensive car insurance to see if … currently I am a named driver on my wife's comprehensive policy. Can I drive any car if my policy is third party or third party, fire and theft? This covers any amounts you are legally liable to pay if someone else is injured or killed or their property is damaged, but not any damage to the car you’re driving. Traditionally, this was a standard fixture on many fully comprehensive insurance policies, and gave drivers third party only cover for driving other vehicles – providing that you are fully comp on your … This means that if you have an accident you can claim to have your car fixed, and your insurance provider may also compensate anyone else involved if eligible. Please refer to your Certificate of Motor Insurance for confirmation that you have this cover, or call us on 0345 246 8701. If you're caught driving a vehicle that's not insured, the police can issue you with a £300 fine and six points on your licence. If your policy includes cover for driving other cars it will be shown under section 5 of your Certificate of Motor Insurance and will mean 1 ST CENTRAL will provide Third Party only cover for any accident involving the car, while you’re driving it. Unfortunately, it's not that straightforward. Fully comp cover insures against any accident that you may have, whether it’s your fault or not. Am I insured to drive a garage's courtesy car while my own car is being serviced? £19.90 Receive a lump sum payout of £100,000 for a serious injury (our standard comprehensive policy … Comprehensive insurance and driving other cars. An urgent warning for all people insured to drive a van - check your insurance covers you to drive any other vehicle!. Compare companies that offer comprehensive car insurance. If you’re happy with that, just continue using the site. Third party, fire and theft insurance covers you for damage to other vehicles and people, plus it covers your own vehicle … If it’s included, ‘it may be only on a third-party basis regardless of the cover level of your policy,’ says a Saga Car Insurance spokesperson, adding, ‘DOC cover is intended for infrequent use and shouldn’t be used to drive other vehicles regularly.’ This covers anyone between the ages of 25-70 with a full licence to drive your car, so you won’t need to add drivers to your policy. There are several ways to make sure you have the right level of insurance when driving someone else's car. So your partner may have comprehensive insurance on their car, and you may have comprehensive insurance on your car, but unless you're a named driver on your partner's car, you may not be insured. You can drive someone else`s car with their permission, on a third party basis if you have driving of other cars cover on your policy. Life, Investments & Pensions. It’s a common misconception that comprehensive car insurance covers you for driving other people’s cars. DOC cover was originally offered as an option for use in emergencies and wasn't intended to be used as a way to drive other cars on a regular basis. However, you must be careful to only add yourself as a named driver if you are not the main driver. This is especially handy in case your car breaks down and you need to … I've been in a car accident and have hire car cover, what can I expect? However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim. Am I entitled to a courtesy car? ... the entitlement to drive other cars is … But you will need permission to drive from the owner of the other car. Have a look at your policy documents to double check you're covered and make sure you've got the owner's permission to use their car first. What does fully comprehensive car insurance cover? As the name suggests, this type of insurance allows you to take out comprehensive car insurance on another car for a few days at a time, usually between 1 and 28 days. A few years ago, cover to drive other cars was a standard feature of most comprehensive car insurance policies. Comprehensive car insurance also covers you against fire and theft. And those that do will often offer just third party cover. This covers anyone between the ages of 25-70 with a full licence to drive your car, so you won’t need to add drivers to your policy. You can become a named driver on someone else's insurance for a while, or you can take out a separate policy temporarily for the car you want to drive. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. Car insurance is a legal requirement unless your vehicle is registered as off the road (SORN). We use cookies to make sure your experience is as good as it can be. Comprehensive car insurance - also known as fully comprehensive - covers damage to yourself, your car as well as compensating a third party if you are involved in an accident. Menu ... Find out more about car insurance and driving other cars. Legal. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. If you're on holiday and want to know if you're covered to drive a hire car, depending on the country you are travelling to, you may be legally obliged to have three types of basic insurance. Some restrictions apply, check your MotorCare policy booklet for details. Whether you're learning to drive, need a car for a weekend or you want to add a second car to your policy for a few days, we have temporary car insurance options to suit your needs. Even if the car you plan to drive is insured, you also need to be insured to drive it. Comprehensive car insurance policies sometimes include Driving Other Cars (DOC) cover, which insures you to drive someone else’s car in an emergency, as long as you have their permission. Historically, most comprehensive car insurance policies, as well as third party, fire and theft and third party policies, used to include ‘driving other cars cover’, meaning you would be insured to drive other vehicles, at least with third party cover.These days, fewer policies include this†, so you should always check your policy documents to see if you’re covered. You can also claim if you have accidentally damaged your car, for example reversing into a garage door. Comprehensive insurance and driving other cars. If you have a comprehensive policy on your own car, you may have driving other cars (DOC) cover included. fire) damage and theft, with a fully comprehensive policy, your whole car will be covered. You can only use the car in the UK for the purposes stated on your certificate. 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 only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. Driving of other cars* is … where you often drive other cars. If you’re only driving in Europe for a short period but want fully comprehensive cover, you could get temporary car insurance. If you plan to drive the same car several times throughout the year, consider adding yourself to the insurance policy as a named driver. So, if you have a fully comprehensive policy, you will get comprehensive cover when you drive in Europe too. DOC allows you to drive another person’s car, with the owner’s permission and be covered by your own insurance policy. Many comprehensive car insurance policies don't automatically allow you to drive other cars at all. Things I wish I'd known before I had an accident, European car insurance and driving abroad, Even if you're comprehensively covered on your own car, don't assume you're insured to drive other people's, There are severe penalties for driving without insurance, so it's best to check you're insured for driving other cars before you set off, If you plan to drive the same car several times throughout the year, consider adding yourself to the insurance policy as a named driver. However, the level of car insurance you buy is up to you and not determined by law; there are three different types of car insurance, and these policies vary depending on the policy and insurer. Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. not written off. If you’re happy with that, just continue using the site. Comprehensive driving of other cars Enjoy the same comprehensive cover you have on your own policy when driving other cars that are not owned, hired or leased by you. You can add up to 6 cars and 12 drivers to a single policy as long as they are all registered to the same address and can select a specific date for the insurance on your various cars … If the case goes to court, you could also be disqualified from driving. What is a named driver? Driving Other Cars You, as policyholder, can get third party cover to drive other people’s cars if you have a full, current EU driving licence. Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. If your vehicle is involved in an accident, stolen or set alight it will be fully repaired or written off and the insurer will pay out the current market value of the car. A fully comprehensive auto insurance policy is also referred to as full coverage; Full coverage policies typically include at least liability, comprehensive, and collision coverage. This typically covers you for up to 30 days. Have a look at your policy documents to double check you're covered and make sure you've got the owner's permission to use their car first. This can be particularly useful for couples who have two cars and want the use of both of them. Typically, this gave you third-party cover to drive cars … Don’t assume that just because you have comprehensive car insurance that you’ll be insured to drive other cars. The research revealed that 35% of people with a UK driving licence think that a fully comprehensive car insurance policy covers them to drive any … It's time to find out, All of our content is approved by our in-house advisory board of experts, Always check that you're genuinely insured to drive someone else's car before hopping in. However, where most policies will only cover certain personal items like mobile phones or sat nav systems against accidental (e.g. Your car must be in a driveable state, i.e. Driving other cars is a policy extension which lets you drive somebody else's car, that is not owned by you, hired or leased to you or a company car. The other car must have insurance already. Comprehensive car insurance like its name suggests offers the widest range of cover. I've changed my car, how do I transfer my existing car insurance to my new car? Are you insured if you borrow someone else's car? © 2020 Liverpool Victoria, County Gates, Bournemouth, BH1 2NF, UK, For all your car, home, travel, pet and other insurance enquiries, For all life insurance, investments retirement support. Or at the very least, third party cover. Driving Other Cars (DOC) cover used to be reasonably common on comprehensive policies and it meant you could legally drive someone else’s car – with their permission – … Comprehensive driving of other cars Enjoy the same comprehensive cover you have on your own policy when driving other cars that are not owned, hired or leased by you. Your car insurance policy needs to be a fully comprehensive one. The driving other cars, or DOC, extension is a benefit included in some car insurance policies. This essentially works like fully comprehensive cover. Money. This is because young drivers are considered by most If you have comprehensive car insurance on your own car, you might just assume you'll have the same level of insurance for driving other cars. Please be aware that you're only covered to drive other cars in the UK. Are additional drivers on my car insurance policy insured to drive other cars? The most common requirement is that you need to be at least 25. If you need further help you can call us on 1890 24 7 365 , but please be aware that, due to measures put in place to prevent the spread of COVID-19, you may have to wait longer than usual to speak to someone. Make a complaint. If you're the policyholder or NCD holder with LV= comprehensive car insurance, you'll usually have third party cover to drive other cars as well. If you choose a comprehensive or a third party fire and theft policy, you may be covered to drive another person’s car (with their permission) on a third party only basis. Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy. Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. 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. When it comes to driving other people’s cars, a lot of people believe that if you have a fully comprehensive policy on your own car then you’ll have third party cover from your insurer on someone else’s car. It only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. DOC cover was originally offered as an option for use in emergencies and wasn't intended to be used as a way to drive other cars on a regular basis. It also needs to state on your certificate of motor insurance that you have the DOC extension. It doesn’t come as standard on all policies. Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. “Driving other cars” cover meets only third-party liability. There are severe penalties for driving without insurance, so it's best to check you're insured for driving other cars before you set off. A fully comprehensive car insurance policy will come with all of the accident and third party-liability cover than you can expect from any standard policy. However this is not always offered as standard you will need to compare car insurance to see which insurance policies include European full comprehensive cover. All content is approved by our in-house advisory board of experts. It can be worthwhile if you’re only taking a single trip in the year or want to share driving duties with someone, as you can add other drivers to the policy. 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