Insurance That Allows To Drive Any Car – Not all insurance providers offer other car insurance (DOC), and even if your insurer offers it to some policyholders, you may not be covered. So, how do you find out if you have insurance to drive other cars or someone else’s van? We explain below.
Before driving someone else’s car on your insurance, you MUST first confirm that you have legal insurance (ie, insurance) to do so because driving without insurance is illegal.
Insurance That Allows To Drive Any Car
You can drive someone else’s vehicle if your motor insurance certificate allows you to do so, and provided that the other circumstances meet the terms of your insurance for driving other cars. The exact rules will vary from insurance company to insurance company, but here are some common rules and restrictions to give you a rough idea of what to be aware of:
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Although DOC cover is more common on comprehensive car insurance, it is certainly not guaranteed (even on comprehensive policies) and is rarely found on other types of car insurance (TPFT and TPO).
Your motor insurance certificate should explain whether or not you have cover to drive other vehicles, and list the limits of the cover. Look at section 5 of your insurance certificate, called ‘Persons or classes of persons entitled to drive’ and also section 6 (which may list further restrictions). You will see language like this:
“Only the policy holder may also drive a car that they do not own or have hired to them under a hire purchase agreement and that is not used in connection with the motoring trade.”
If your certificate does not specifically allow you to drive other cars, you are not covered to do so. Here’s how to find out if you can drive other cars on your insurance:
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Here is an example of a motor insurance certificate with the language about driving other cars highlighted in blue. As you can see, the drivers covered by this policy are included to drive other vehicles subject to obtaining the owner’s permission and other conditions. In addition, the driver should also check the wording of their policy to learn more about the insurance for driving other cars.
If you want to read more about other car driving coverage in your policy booklet or policy wording (which is always a good idea), you’ll need to look for the relevant section in a document that can be dozens of pages long. To find the right part of the document, try searching for search terms such as ‘driving a car that does not belong to you’, ‘driving other cars’ (DOC), ‘driving other vehicles’, ‘car not belongs to you’ or similar expressions.
The ‘other car driving’ cover on vehicle insurance is generally meant to cover emergency situations. For example, if your friend has driven you somewhere, and he has since been injured and you need to drive him to hospital. But unfortunately you won’t find a good definition of ’emergency’ in any documents, so if you’re unsure, call your insurer to ask if your situation would be covered.
Also remember that DOC insurance is usually third party insurance only, which does not provide any protection for you or the vehicle you are driving. Because of this, it’s best to avoid using the DOC extension on the cover if you can help it.
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Yes. Cover for driving other cars is usually limited to third party cover only (TPO) – TPO is the minimum required by law to drive legally. So even if you have comprehensive insurance for your own vehicle, you would not have this level of protection when driving someone else’s car. This means that if you have an accident, you will only be covered for damage to you
Vehicle(s), property and people – you would not be protected against any damage to the car you are driving or to yourself.
There are some exceptions, such as Aviva’s ‘AvivaPlus Premium Tier’ policy which includes policy holders to drive other vehicles comprehensively, if you have activated the cover when you need it in the MyAviva customer portal.
If your insurance doesn’t cover you from driving other vehicles, don’t drive someone else’s car! If so, you would be driving without insurance, which is illegal and can result in points and penalties or worse. Anyone caught driving a vehicle that you are not insured to drive could have:
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We’ve read the policy documents for comprehensive insurance from a number of UK insurance companies to find out which ones broadly allow driving of other vehicles. We have found that most major insurers (eg Admiral, Direct Line car insurance, Aviva general car insurance business, LV=, Hastings Direct, esure, More Th>n, etc.) will usually allow it if you have a comprehensive system. insurance, you are at least 25 years old and you are the policyholder (not a named driver). There will also be conditions specific to your insurer/situation, such as obtaining the owner’s permission or it being an emergency situation. Make sure you understand the full criteria before you step behind the wheel of another car.
Please note: although an insurer may allow some policyholders to drive other cars, they may not allow YOU to do so for one reason or another – for example depending on your age, occupation, vehicle or other risk factors. Always check your motor insurance certificate and/or call your provider to confirm you have cover. DO NOT rely solely on the wording of a provider’s policy or the list below.
Here are some links to FAQs and other web pages with information for various insurers that you may find useful.
The guidance on this website is based on our own analysis and is intended to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.
What Is Drive Other Car Coverage?
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Not owning a car can be a boon to your wallet. But while you may not have to worry about car payments or repairs, you may still be on the hook for car insurance if you rent or drive other people’s cars often enough. This is where non-owner car insurance comes in.
However, non-owner car insurance may not be absolutely necessary in some situations. For example, if you borrow a vehicle from someone in your household, you should be listed on the car owner’s policy. Depending on their insurer and your state, this may be required even if the car belongs to an unrelated roommate, and even if you don’t currently have a valid license .
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Non-owner car insurance provides liability cover for people who do not own a vehicle but sometimes drive someone else’s vehicle. Liability car insurance pays for injuries or property damage you cause to others in a car accident. However, it does not cover damage to the car you have borrowed or rented, or pay for any of your own injuries if you cause an accident.
A non-owner auto insurance policy usually includes only the minimum required in your state, although you can often choose higher limits. Aside from liability insurance, a non-owner policy can include:
Non-owner insurance does not include collision or comprehensive coverage. In a standard car policy,
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