Some comprehensive policies will allow you to drive the cars of your friends and family and may also allow you to drive hire cars, too – although, this is usually only up to the level of third party coverage. Even when it does, it’s usually reserved for emergency situations or one-offs only. 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. However, you must be careful to only add yourself as a named driver if you are not the main driver. 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. Fully comp cover insures against any accident that you may have, whether it’s your fault or not. What is driving other cars? 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. But you will need permission to drive from the owner of the other car. If, for example, you borrowed your neighbour’s car when your vehicle was in the garage, you would more than likely be covered by your own insurance. It's different to third party insurance, which only covers the damage you do to other vehicles and people. However, not all car insurance companies offer a ‘Driving Other Cars’ option, so you should never assume that you are covered – always check your car insurance certificate before you drive someone else’s car. DOC allows you to drive another person’s car, with the owner’s permission and be covered by your own insurance policy. Please be aware that you're only covered to drive other cars in the UK. There is a common misconception amongst policyholders who think that because they are aged 25 or older and have comprehensive motor insurance they automatically have the driving other cars extension.This has led to numerous people gaining convictions for driving without insurance. If you borrow a friend’s car and it is stolen, an insurer will not pay compensation – similarly if you write it off. If you’d like to know more or are interested in adding this benefit to your policy please give us a call on 01 448 48 48 and one of our customer service representatives will be delighted to help. If you plan to drive the same car several times throughout the year, consider adding yourself to the insurance policy as a named driver. If you’re only driving in Europe for a short period but want fully comprehensive cover, you could get temporary car insurance. Section 2: Comprehensive 11 and Comprehensive Plus Cover options 15 Section 3: Motor Legal Cover 15 Section 4: Guaranteed Hire Car Plus 19 Section 5: Protected No Claim 21 Discount (NCD) Where you can drive 22 Losses we don’t cover 23 Other conditions you need to know about 25 How the policy works 26 Everything else 30 Glossary 31 Please be aware that you're only covered to drive other cars in the UK. © 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. In an accident, a third party policy covers the other person's car and property but not your own, while fire and theft protects your car if it's stolen or damaged by fire. It provides coverage for you and your vehicle as well as other road users – more than you get with third-party, fire, and theft and third-party policies. ... For all your car, home, travel, pet and other insurance enquiries. ... the entitlement to drive other cars is … 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. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. 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. Life, Investments & Pensions. And those that do will often offer just third party cover. 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.’ Driving of other cars* is an optional cover and additional charges may apply. Not everyone with fully comp cover is eligible for this extension on their policy. Even if the car you plan to drive is insured, you also need to be insured to drive it. Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. LV= multi-car cover provides a discount to customers looking to insure more than one vehicle on the same policy. There are two other types of insurance you can choose: third-party fire and theft (TPF&T) and third-party only (TPO). 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. She, as the named driver, is able to drive other vehicles with owners permission. Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. But you will need permission to drive from the owner of the other car. Menu ... Find out more about car insurance and driving other cars. If an insurer suspects fronting has taken place, they can refuse to cover costs for damage and withdraw the insurance. Can I drive any car if my policy is third party or third party, fire and theft? 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. If you’re happy with that, just continue using the site. You can also claim if you have accidentally damaged your car, for example reversing into a garage door. Fully comprehensive car insurance is the highest level of cover you can take out for your car. 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. So, what are car insurance groups and how could they affect your insurance? Third party, fire and theft insurance covers you for damage to other vehicles and people, plus it covers your own vehicle … 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. Typically, this gave you third-party cover to drive cars … 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. 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. © 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. 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. There are several ways to make sure you have the right level of insurance when driving someone else's car. According to Confused.com, this is no longer quite as simple as it used to be. Your car must be in a driveable state, i.e. This can be particularly useful for couples who have two cars and want the use of both of them. If the case goes to court, you could also be disqualified from driving. It doesn’t come as standard on all policies. Will the cars be insured on the same policy. Your occupation cannot be in the motor trade, i.e. Some restrictions apply, check your MotorCare policy booklet for details. Your car insurance policy needs to be a fully comprehensive one. 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. Increased personal accident insurance pays out £100,000 if you, your partner or a named driver on the policy suffer a serious injury while travelling in, or getting into or out of your car. It's an easy assumption to make. It used to be the case that cover for driving other cars (DOC) was included by most insurers on comprehensive car insurance policies. 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. Before driving someone else's car, you must have the owner's permission and their car must have valid insurance already. Comprehensive car insurance, also known as ‘fully comp’, is the top level of (non-business) insurance you can get for your car. Always check the small print in your policy to see if it includes DOC cover, and what level of cover it gives. This means that if you're involved in an accident, the car you're driving won't be insured if it gets damaged. With Admiral, this means the temporary cover you have can be fully comprehensive even if your existing policy is third party, fire and theft. Learn more about cookies. View all benefits. 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. 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 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.’ That's why some insurers no longer offer this cover. Comprehensive car insurance also covers you against fire and theft. Car insurance is a legal requirement unless your vehicle is registered as off the road (SORN). £19.90 Receive a lump sum payout of £100,000 for a serious injury (our standard comprehensive policy … Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. not written off. Legal. In times gone by, taking out a fully comprehensive insurance policy allowed the policy holder to drive other cars on a third party basis so long as they had the owners permission. And those that do often provide only third party cover. 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