However, in more serious cases the fine may be an unlimited amount, and the offending driver may be banned or disqualified from driving altogether. Ultimately, police also have the power to seize, and even destroy, the vehicle driven by an uninsured driver. Given all of that, is it worth driving another car without a second thought? Absolutely not. This is the obvious starting point. In some cases, if a car insurance policy does have DOC, the level of cover might reduce.Best Car Insurance Policy : How to select
In some cases, if a car insurance policy does have DOC, the level of cover might reduce. In fact, not only is daily insurance available, short term cover can start from just one hour. In theory, anyone can be added as a named driver, but the main insurer needs to action this. More commonly, a named driver is a spouse, parent or son and daughter.
You would then have the same level of cover as him, and be entitled to drive his vehicle. However, be aware that the named driver should never be the main driver of the vehicle.
Liability insurance coverage on a personal auto policy follows the driver no matter If someone other than the insured is driving a vehicle covered by . These sub-standard carriers do not cover claims that would be covered.
Adding a named driver to your car insurance policy allows someone else to use your car - and might save you money too. Can I drive another car on my insurance?
Check your car insurance This is the obvious starting point. Related articles. Adding named drivers.
If you're under the assumption your insurance allows you to drive any other motor with third-party cover, you could be breaking the law. It used. Even those companies that do provide so-called “driving other cars” Also, where cover is available, it will very often be restricted to third party. If you are covered, it will generally be on a third party only basis, and You can get cover for driving another person's car by applying for short.
Find out more. What is flash for cash? Compare car insurance Set a reminder.
Even if you have your own comprehensive car insurance policy, you may not be covered to drive another vehicle. If you have a comprehensive policy on your own car, you may have driving other cars DOC cover included.
In the past, driving other cars was a fairly standard addition to comprehensive policies, but fewer insurers now offer the cover. 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.
Does comprehensive car insurance cover me to drive other cars? car insurance policies included driving other cars (DOC), giving drivers third party policy. All cover provided is subject to the terms, conditions and exclusions listed in your policy. Driving other motor cars is offered on our Third Party, Fire & Theft and Comprehensive policies. However you should check your insurance schedule under the policy details section to Our current policy booklet can be found here. Are you insured to drive another car on your own insurance policy? What does comprehensive or third party insurance cover? Read our guide.
Third party is the minimum cover you legally need to drive, and in the event of an accident your insurer will pay for any damage to third party vehicles or property, but will not pay for repairs or replacement of the car you were driving. So if you're driving a friend's car and get into an accident, you could be liable for any repair bills to their vehicle as this won't be covered by insurance.
This level of cover will also cover injuries caused to any third parties, including your passengers, but not to yourself. Read our guide on the different types of insurance to learn about third party, third party fire and theft, and comprehensive insurance policies.
What are the types of car insurance? There are broadly three types of cover of offer to UK motorists – third party only, third party fire and theft. Compare car insurance quotes to find cover for driving other vehicles (DOC) Can you drive someone else's car if you've got comprehensive insurance? DOC is generally never an option on any third-party policies. Does your car insurance policy allow you to drive another vehicle? own vehicle - but if you're driving someone else's this could reduce to third party cover.
Driving other cars cover is usually only available on a comprehensive car insurance policy. Unfortunately, driving other cars cover is not available to everyone.
Some occupations are excluded too.