For example, if you give a friend permission to drive your car to the dentist for a checkup, he is covered. When another driver has an accident in your car dmv. Police impounded another vehicle and prosecuted the driver for driving without insurance after a husband borrowed a friends car in the. 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. And both the driver and car owner can run into trouble if caught without the necessary cover. Whenever ive looked it up, i find that although im fully comp, i can t drive other peoples cars. Can you drive an uninsured car if you have own insurnance. Does car insurance cover include driving other cars. Does automobile insurance follow the car or the driver. Does comprehensive car insurance cover me to drive other cars. As a named driver on a policy, can i drive other cars. It used to be the case that cover for driving other cars doc was included by most insurers on comprehensive car insurance policies. Will my friends insurance cover any damages i cause while driving their vehicle. Probably not as driving other cars, or doc, is no longer a standard element of.
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. Coverage might not follow anyone if the insured is driving a vehicle other. 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. To make sure you are fully covered you can purchase temporary insurance instead of relying on doc. Typically, this gave you thirdparty cover to drive cars not listed on your policy. 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. Am i insured to drive any car on my current policy. 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. The rules have changed so dont assume youre covered.
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. Be aware of what can happen if an uninsured driver has an accident while driving your car. Apr 08, 2020 it is important to know who is insured to drive your 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. Can a named driver on a fully comp insurance drive another. If you do get behind the wheel without checking that youre insured, you could be driving illegally. If you own a second car, dont think you can get around getting insurance for it by using your driving other cars cover from. 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.
Fully comprehensive car insurance moneysupermarket. 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. Only one of you will build up no claims, with the exception of direct line who i think offer ncb to named drivers. Dont assume that because you have comprehensive car insurance youre. 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. 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. Any driver car insurance is sometimes worth the expense usually for business purposes, such as fleet vehicles or driving schools. Can i drive an uninsured car with my fully comprehensive. Usually, yes your car insurance coverage should extend to anyone else driving your car. 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. 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. Youll need to check the terms and conditions of your comprehensive car insurance to see if youve got doc cover and what that includes. Comprehensive drive any car insurance get a quote adrian flux.
If you have fully comp insurance can you drive any car. Mar 19, 2020 if your insurance company has any issues with the situation they will let you know. It is important to know who is insured to drive your car. Insurance to drive any car at gocompare can i drive someone. If i am insured on my own car fully comprehensive am i. The owners car insurance would have to say something like and any other driver. Any driver car insurance basically means that anyone can drive your car. Sep 03, 2018 can i drive any car with fully comprehensive insurance. Comprehensive drive any car insurance not being fully insured to drive more than just your own car is a major frustration for many drivers. 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. 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 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. She, as the named driver, is able to drive other vehicles with owners. Ukc forums but im fully comprehensive, i can drive any car.
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. Basically me and my boyfriend have been having this discussion. 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. This is one of the prime reasons why a majority of states have compulsory insurance requirements. With comprehensive insurance which covers almost everything, it is the car rather than the driver that is covered. Can my brotherin law or other family member borrow my car for the weekend. Feb 10, 2020 there will always be times when you need to drive someone elses car. Dont assume that because you have comprehensive car insurance youre covered to drive someone elses car. Its illegal to drive a vehicle without proper insurance.
If the other driver was at fault and your own car was damaged, youll need collision coverage in order to pay for repairs. Insurance to drive other cars doc cover used to be a standard feature of comprehensive insurance policies, but its rare these days. Does an insurance policy automatically cover everyone who lives in the car owners household. One is normally driven by me, one is normally driven by my wife, and one by our daughter.
Nov 17, 2018 that permission can be either written, verbal or implied, but it must exist. 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. 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. 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. If you regularly drive someone elses car, the most cost effective option is usually being added to their policy as a named driver.
The consequences of driving without the right insurance. When an insured allows other drivers to drive his vehicle, then, and only. Can someone not on my insurance policy drive my car. Mar 02, 2020 driving an uninsured vehicle can be dangerous. Fully comprehensive car insurance is the highest level of cover you can take out for your car. Can i drive any car with fully comprehensive insurance. Can you drive any car on a fully comprehensive car insurance policy.
Can i drive another car with my fully comprehensive. Lending your car to an uninsured driver can be problematic. Also remember, if theres any chance a driver will use your car, think twice about excluding her. Optional coverage types, such as comprehensive, collision, towing.
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. While traditionally fully comp meant you could drive any car, this has changed. When you drive someone elses car, the owners auto insurance policy should. Can you keep your insurance from covering risky drivers who.
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. If someone borrows your car without your permission, that driver might not be insured. If you are ever in doubt, ask your insurance agent before you let someone drive your 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. 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. Can you drive any car under your fully comp insurance.
When another driver has an accident in your car no one can predict the future. Insurance to drive any car at gocompare can i drive. 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. 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. This is not the case, and the misconception has led to many people being convicted for driving without motor insurance. If im insured fully comprehensive on my car, can i drive. Make sure you are fully aware of the liability you may be opening yourself. An uninsured driver is usually covered by your auto insurance while shes behind the wheel of your car because insurance follows the vehicle. 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. 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. Driving someone elses car and car insurance aa insurance.
Some people assume that you can, but its not always true. You can even get one day cover to drive someone elses car. Unfortunately, many drivers believe that if they are over 25 and have fully comprehensive insurance, they are insured to drive any car or van. Is an uninsured driver covered on my insurance while driving.
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