Apr 08, 2020 it is important to know who is insured to drive your car. If you do get behind the wheel without checking that youre insured, you could be driving illegally. Normally yes but the car you are driving will only be insured third party meaning if you bend it the insurance company will only fix the other car wall whatever you hit and not your dads car, so. When another driver has an accident in your car no one can predict the future. Unfortunately, many drivers believe that if they are over 25 and have fully comprehensive insurance, they are insured to drive any car or van. Typically, this gave you thirdparty cover to drive cars not listed on your 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. 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. Optional coverage types, such as comprehensive, collision, towing. Drive any car insurance, otherwise known as cover for driving other cars doc, used to be a standard feature on most comprehensive car insurance policies, allowing drivers to get behind the wheel of any car they wanted, knowing that if the worst should happen, theyd be covered by their insurance policy.
Police impounded another vehicle and prosecuted the driver for driving without insurance after a husband borrowed a friends car in the. Ukc forums but im fully comprehensive, i can drive any car. Can i drive an uninsured car with my fully comprehensive. Jun 16, 2009 the car needs to be insured by yourself or somebody else before you can take advantage of your fully comprehensive cover ability to drive another car with third party, fire and theft cover provided you have owners permission to drive that vehicle. When an insured allows other drivers to drive his vehicle, then, and only. If you own a second car, dont think you can get around getting insurance for it by using your driving other cars cover from. If i am insured on my own car fully comprehensive am i. If the other driver was at fault and your own car was damaged, youll need collision coverage in order to pay for repairs. If you regularly drive someone elses car, the most cost effective option is usually being added to their policy as a named driver.
Oct 11, 2019 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, then named drivers will also be able to do so. The owners car insurance would have to say something like and any other driver. As a named driver on a policy, can i drive other cars. Its illegal to drive a vehicle without proper insurance. Lending your car to an uninsured driver can be problematic. Can you drive an uninsured car if you have own insurnance. And both the driver and car owner can run into trouble if caught without the necessary cover. This means that regardless of the driver, an insured vehicle will cover the driver as long as the policy does not expressly exclude a nonowner driver from coverage. The consequences of driving without the right insurance. It is important to know who is insured to drive your car. Can my brotherin law or other family member borrow my car for the weekend. Only one of you will build up no claims, with the exception of direct line who i think offer ncb to named drivers. Can you keep your insurance from covering risky drivers who.
You can even get one day cover to drive someone elses car. While traditionally fully comp meant you could drive any car, this has changed motorists should check their policy wordings to be clear on what is covered the clause has been phased out in. If an emergency crops up, you may well need to borrow a friends, neighbours or family members car, only to be held back by a lack of cover. Comprehensive drive any car insurance not being fully insured to drive more than just your own car is a major frustration for many drivers.
If someone borrows your car without your permission, that driver might not be insured. 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. Sep 03, 2018 can i drive any car with fully comprehensive insurance. Usually, yes your car insurance coverage should extend to anyone else driving your car. Does an insurance policy automatically cover everyone who lives in the car owners household. This can be anyone that has your permission, like family and friends it sounds great, especially if you have a few family members that need to use the vehicle. Any driver car insurance basically means that anyone can drive your car. So if there is a crash my insurance will cover the costs 3rd party heres the tricky bit, i am on my friends fully comprehensive car insurence as a named driver. Can a named driver on a fully comp insurance drive another. While traditionally fully comp meant you could drive any car, this has changed. You may loan your car to a friend, roommate, or family member, only to get a call that an accident has happened in your car. Comprehensive drive any car insurance get a quote adrian flux. Am i insured to drive any car on my current policy. Feb 10, 2020 there will always be times when you need to drive someone elses car.
She, as the named driver, is able to drive other vehicles with owners. Whenever ive looked it up, i find that although im fully comp, i can t drive other peoples cars. There is often however some confusion for drive any car insurance policy holders for exactly what cars can be driven and under which terms may apply legally. Can i drive another car with my fully comprehensive insurance. 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, then named drivers will also be able to do so. Make sure you are fully aware of the liability you may be opening yourself. Auto insurance will generally cover a driver from any state as long as he.
Be aware of what can happen if an uninsured driver has an accident while driving your car. 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. 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. The car needs to be insured by yourself or somebody else before you can take advantage of your fully comprehensive cover ability to drive another car with third party, fire and theft cover provided you have owners permission to drive that vehicle.
Basically me and my boyfriend have been having this discussion. It used to be the case that cover for driving other cars doc was included by most insurers on comprehensive car insurance policies. When another driver has an accident in your car dmv. If you are ever in doubt, ask your insurance agent before you let someone drive your car.
Insurance to drive other cars doc cover used to be a standard feature of comprehensive insurance policies, but its rare these days. Can you drive any car on a fully comprehensive car insurance policy. Mar 19, 2020 if your insurance company has any issues with the situation they will let you know. Fully comprehensive car insurance is the highest level of cover you can take out for your car. Driving someone elses car and car insurance aa insurance. Is an uninsured driver covered on my insurance while driving. Youll need to check the terms and conditions of your comprehensive car insurance to see if youve got doc cover and what that includes. With comprehensive insurance which covers almost everything, it is the. If the cars insured, but you dont adequate cover for you to drive it, youll be charged with an in10 motoring offence for being uninsured to drive the vehicle. This is not the case, and the misconception has led to many people being convicted for driving without motor insurance. Will my friends insurance cover any damages i cause while driving their vehicle.
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. In general, though, your insurance will cover any person who youve given permission to drive your vehicle, including family members living with you and your. Oct 26, 2011 i have fully comprehensive car insurance on a car, i heard you can drive another car with the owners permission because youre insurance is fully comprehensive. Also remember, if theres any chance a driver will use your car, think twice about excluding her. You shouldnt automatically assume that you are insured to drive someone elses car, and you should always check the terms of your car insurance before doing so. 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. Mar 02, 2020 driving an uninsured vehicle can be dangerous. Nov 17, 2018 that permission can be either written, verbal or implied, but it must exist. If you own a business with delivery vehicles, its more efficient to have an any driver policy than spend time sorting cover for every new employee. Can i drive another car with my fully comprehensive. Insurance to drive any car at gocompare can i drive. Insurers seldom make it clear what isnt included in a policy, the option the drive any car being just that, which can result in many driver being uninsured, unbeknown to them.
Not only do you have to worry about getting into an accident without a policy to compensate you for your damages, you also have to worry about paying legal fees if youre taken to court for thirdparty damages. With comprehensive insurance which covers almost everything, it is the car rather than the driver that is covered. Probably not as driving other cars, or doc, is no longer a standard element of. Can someone not on my insurance policy drive my car.
If you have fully comp insurance can you drive any car. 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. Coverage might not follow anyone if the insured is driving a vehicle other. When you drive someone elses car, the owners auto insurance policy should. Can you drive any car under your fully comp insurance. This is one of the prime reasons why a majority of states have compulsory insurance requirements. Any driver car insurance is sometimes worth the expense usually for business purposes, such as fleet vehicles or driving schools. To make sure you are fully covered you can purchase temporary insurance instead of relying on doc. He says that since he has got fully comprehensive insurance on his car he can drive any other car and he will have insurance cover but that it will just be 3rd party insurance. The right question to be asking is not whether insurance follows the car or the driver, but whether or not other drivers will be covered by the insureds auto. Dont assume that because you have comprehensive car insurance youre covered to drive someone elses car. If you have a fully comprehensive car insurance policy, you might be under the impression that this enables you to drive any other car but this isnt necessarily the case. The first being, that the driver is legally licensed.
For example, if you give a friend permission to drive your car to the dentist for a checkup, he is covered. Some people assume that you can, but its not always true. Can i drive any car with fully comprehensive insurance. Oct 11, 2007 if i am insured on my own car fully comprehensive am i covered to drive 3rd party on any other car. If im insured fully comprehensive on my car, can i drive. Does comprehensive car insurance cover me to drive other cars. Knowing who needs to be listed as a driver and who does not is the crucial information you need so you know your car is covered. Fully comprehensive car insurance moneysupermarket. The rules have changed so dont assume youre covered. One is normally driven by me, one is normally driven by my wife, and one by our daughter. Does car insurance cover include driving other cars. 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. Dont assume that because you have comprehensive car insurance youre. Does automobile insurance follow the car or the driver.
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