If you have fully comprehensive car insurance, you may assume that it will cover you when you are driving someone else’s car with the same level of protection. This is believed since it’s a fully comprehensive insurance after all.
The problem is that every insurer has their own set of rules and regulations when it comes to understanding what exactly they mean by ‘fully comprehensive car insurance’.
This means that the level of protection will vary from one insurer to the other, so your cover only depends on the insurer you are insured with.
Chances are your cover will only drop down to a third party case when you are driving another car but not someone else’s car. You may even find that the fully comprehensive policy you have does not come with a license to cover you for driving another person’s car in which case you would be breaking the law by getting behind the wheel of another vehicle.
It’s therefore essential that you check, read and understand all the terms and conditions of your policy. But even if you are happy with the small print you have, you could get caught off guard in the case that your insurer updates its policies without your consent. So it’s important to stay updated.
Can I drive a friend’s car on my insurance?
If you are the policyholder and you are aged 25 and above, insurers can arrange for you to get a third party cover so you can be able to drive someone else’s car with the same level of protection.
However, the fact that you are over 25 years doesn’t give you a guarantee for a free pass to take a spin in a friend’s car. You still need to check section 5 and 6 of your current Certificate of Motor Insurance Cover which spells out whether you have the cover or not.
Also bear in mind that if an insurer can offer you a third party cover, it’s only supposed to be used in emergency cases. If you are regularly using another person’s car, it may be worth just getting added as a named driver to their policy.
Just think if you are driving your best friend’s new flash car using the Driving Others Car (DOC) extension of your car and get a bump, insurance would only cover the repair of the third party’s vehicle. This means that you would be liable for any damage to your friend’s car which wouldn’t be such a nice ending for a day of driving.
How many drivers can be insured on a car?
A maximum of 4 drivers can be insured on a car which includes the policyholder. A named driver is someone who is insured to drive a vehicle in which another person does most of the driving. The named driver has the same level of protection as the main driver under the cover. Normally, you can always add one or more drivers to your existing car insurance.
In the case that it’s a new policy, you can provide the details once you take out the cover. The insurer will want t know the name, age, marital status, address and occupation of any additional drivers and you will also have to give information about any accidents or motoring convictions.
If you are a young or new driver, you may consider adding a more experienced driver to your policy which could get you a cheaper premium. You could use this as a way to keep costs to a minimum when you are getting your first policy. This is assuming of course that the driver you are adding has a good driving record with few claims and points as possible.
Although, you should be careful as the additional drivers should only be added if they drive the car occasionally and you should be the main driver. If the person using the car most is listed as an additional driver, this is known as ‘fronting’, and it’s illegal which may invalidate your policy even lead to landing you in court.
Can I drive my parents’ car if I don’t have insurance?
If you add an inexperienced named driver to your policy, usually it will push your premiums higher. Insurers usually see persons under 25 as the riskiest group. Therefore, it only makes sense if you take a student, son or daughter of your annual policy if they are not going to be around much anyway. You can, however, take out a temporary cover to allow them to drive when they come around over the holidays.
There could, however, be one disadvantage of adding a less experienced diver to your policy; some insurers allow them to build up their no-claims bonus despite them not being the main driver. This is a good way for young drivers to mitigate their cost in the long run.
Can you legally drive someone else’s car?
If you are the main driver of your vehicle and you want someone else to be driving your car regularly, you will need to add them to your policy as a named driver to stay within the law. As specified in the policy documentation, once a person is added to the policy as a named driver, they will have the same level of cover as the main driver.
Some insurers offer the policyholder third party cover when they are driving someone else’s cover, but this cover only covers the third party that is against damaging another other vehicle or passengers. This means that you are not covered against damage to the car you are will be driving. Therefore, to be fully covered, you will need to be added to the policy as a named driver.
Many students and young people are faced with very high insurance premiums opt to be added as named drivers under their parents’ insurance policies reducing the costs involved for both parties.
Can I drive an uninsured car with my insurance?
Driving an uninsured car can be dangerous not only because you have to worry about getting into an accident but also the legal fees you will have to pay if you are taken to court for third-party damages. This is exactly why most of the states have compulsory insurance requirements.
When you are carrying your insurance coverage, it protects you while you are driving cars that you own and it’s also possible that it will protect you while you are driving cars that you don’t own that have an unknown insurance status.
Some of the unlisted cars that your cover will protect you while driving them are;
- Newly acquired vehicles that were purchased after the policy began.
- A replacement vehicle that is replacing a vehicle that was listed on the policy.
- It will provide coverage for a rental vehicle.
- Temporary vehicle to substitute your vehicle when it’s under repair, being serviced or in store due to a breakdown or loss.
- Trailers that are owned by the named insured and can be driven or towed on public roads.