Can Someone Drive My Car if They Are Not on My Insurance?
The power to drive other cars on your policy isn't something that'south always automatically included. In fact, non all providers even offer information technology every bit an option.
A friend is in a pickle and needs someone to bulldoze their car home. You think to yourself "Great, I have fully comprehensive cover and then I tin drive another motorcar on my insurance," and off you toddle.
Merely, actually, do you have driving other cars (DOC) on your policy? And was that jaunt in your friend's car actually legal?
What is 'driving other cars' insurance?
'Driving other cars' is a clause in your policy that allows you to bulldoze someone else'southward car without being a named driver on their policy.
It'southward important to understand that if such a clause isn't included, you aren't covered to bulldoze other cars – even if your insurance policy is fully comprehensive.
If y'all practice drive some other car without being insured, you're breaking the law – and you take a chance a hefty fine, penalty points and possible disqualification.
If I have fully comprehensive machine insurance can I drive any automobile?
No. In that location was a time when many fully-comp policies automatically gave you third-party insurance to bulldoze whatever car, but those days have gone.
And so even if you're fully covered for your own automobile, don't assume you lot're insured to drive other people's cars otherwise y'all risk breaking the law.
Before getting backside the wheel of another auto, speak to your insurer to find out what the situation is.
If necessary, ask them about adding a clause to your policy – not all insurers offer that option, only many practise.
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What do I need to do to get Doc on my policy?
To get Medico insurance on your policy and be able to drive someone else's car, you'll need to meet some requirements typically set out past insurance providers, including:
- Y'all demand to be 25 or over when the policy starts
- Your machine insurance policy needs to be a fully comprehensive 1
- The other machine must take insurance already
- Your car must exist in a driveable state (ie, non written off)
- Your occupation cannot exist in the motor trade (ie, where y'all often drive other cars)
It as well needs to be stated on your certificate of motor insurance that you lot have the DOC extension.
How is 'driving other cars' cover different from adding a temporary commuter?
DOC encompass is there for emergencies – such as if a friend has had an accident and needs you to drive them to hospital.
It's the everyman level of embrace (tertiary-party simply). If y'all have an accident, the policy will cover but harm to the other car. You would be liable for the damage caused to the car yous're driving.
An culling would be to exist added to the other motorcar'south policy as a temporary driver with fully comprehensive temporary car insurance.
This provides longer-term cover, as opposed to DOC embrace, which is designed for occasional, infrequent events.
For example, if yous have a kid abode from uni for two months and you want them to exist able to use your machine. Calculation them as a temporary commuter would let them practise that whereas Doc cover wouldn't.
Not sure if y'all accept the right cover to drive somebody else's car? Don't bulldoze!
Earlier you get behind the steering bike of the car you desire to drive, make sure you have DOC cover. Call your provider and ask them, and check your document of motor insurance, likewise.
If yous're pulled over by the police while you're driving another car and it turns out you don't have DOC comprehend, y'all'll be facing some serious consequences:
You'll go half dozen-8 points on your driving licence for existence convicted of driving without insurance. If you're within your first two years of driving, that'due south enough to lose your licence fifty-fifty if your previous record was unblemished.
You lot'll face a fixed-penalisation fine of £300, and if it goes to courtroom y'all could exist fined much more than.
It'll increase the cost of your machine insurance – if you can even find an insurance provider to give you a quote in the first place, that is. Many insurers won't cover drivers with this conviction as they're considered to be too loftier risk.
What can I do if I don't have driving other cars insurance?
If yous don't accept Doctor on your policy – whether that's because yous're too young or considering your provider doesn't offer it – you still have options:
Ask the other policyholder to add you to their policy as a named driver. You'll have the same level of cover as them.
They can add you lot to their policy as a temporary driver. You could be on at that place for a week or a month, whichever is relevant.
You tin take out a temporary car insurance policy on the automobile you want to bulldoze – you can practise this from just ane day before yous need it.
At that place'southward ane further selection that might, in some circumstances, assist you. The owner of the other motorcar tin apply for any-driver car insurance – cover that allows anyone else to bulldoze the named vehicle.
This sort of policy might appeal to a business that has several people who demand to drive the same automobile, for case.
But even with whatever-driver car insurance, there are likely to be restrictions on who tin go backside the cycle, such as a minimum age requirement.
Tin I bulldoze a van on my Physician insurance?
Technically this can be done, but good luck in trying! Doctor encompass is rarely provided for driving a van.
This is partly considering the definition of a van is very broad - it can be nearer to existence a lorry than being a car.
It also risks allowing the driver to stray from personal use to commercial employ, which would require a different policy completely. Md cover is not designed for commercial utilise.
Tin can I bulldoze my partner's motorcar?
As with all other cars, yous tin can do this if you take Doctor insurance or you are a named driver, although this shouldn't be a long-term solution. Bank check the wording of your insurance policy to make sure you know what you're covered for.
Tin can I drive someone else's car in an emergency?
The normal rules utilize, even in an emergency. You lot can bulldoze someone else'southward motorcar if you take Medico insurance or yous are a named commuter, but otherwise you mustn't practice so.
Can someone else bulldoze my car?
In the same mode that you must have proper insurance cover if you desire to drive another car, other drivers must :
- Have DOC cover
- Be added to your own insurance policy
- Take out temporary insurance before they drive your vehicle
Source: https://www.confused.com/car-insurance/guides/driving-other-cars-on-your-car-insurance
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