Am I insured if I drive someone else’s car?

Many people assume that their own comprehensive auto insurance policy allows them to drive another vehicle. Maybe you occasionally drive your partner’s or family member’s car, assuming you have the same level of coverage as them?

It is likely that you will not be covered at all to drive it, unless you are specifically named on the policy. Or if you are allowed to drive other cars with your insurance, it will only be third party coverage and may be for social, household and fun purposes only. You will need to check the wording.

Can I drive other cars with my insurance?

If you have a comprehensive insurance policy on your own car, you can have other car driving cover (DOC) included. In the past, driving coverage for other cars was a fairly standard addition to comprehensive policies, but fewer insurers now offer it as it was always intended to be used only for emergency situations.

The car you want to drive must be covered by an existing insurance policy and you must be licensed to drive.

While other car driving coverage allows you to drive another vehicle that is already insured, most policies will only cover you to drive other cars with third party only (TPO) cover, rather than the full coverage you get into your own car.

What you need to know in a few words

  • One-third is the minimum coverage you legally need to drive, and in the event of an accident, your insurer will pay for any damage or injury to third parties, their vehicles or property, but will not pay for repairs or replacing the car you were in. conduct

  • So if you are driving a friend’s car and have an accident, you might be responsible for their vehicle repair bills as it will not be covered by your insurance. This level of coverage will likely cover injuries caused to others, including your passengers, but not yourself.

  • Some insurers also claim that even if your insurance involves daily and business use, only social driving will be covered if you drive someone else’s car. The devil is in the details, so always check the wording of the policy

Read our guide on the different types of insurance to learn more about third party only (TPO), third party, fire and theft (TPFT) and all risks insurance contracts.

What is driving insurance for other cars?

Other Car Driving Coverage allows you to drive other insured cars without being a designated driver or purchasing temporary coverage. The car you want to drive must be covered by an existing insurance policy and you must be licensed to drive it.

Driving coverage for other cars is generally only available on a comprehensive auto insurance policy so if you have a third party (or third parties, fire and theft), you will not be covered for driving other cars. It is not automatically included in all full fonts – so check first.

Unfortunately, other car driving coverage is not available to everyone.

Insurers generally exclude DOC coverage from your insurance policy if you are under 25because you are perceived as a higher risk for insurers. Those with criminal charge or who have made an insurance claim on their own policy may not be able to obtain DOC coverage either.

Is my job important?

Certain occupations can be excluded. Auto professionals, for example, are likely to drive their customers’ cars on a regular basis, so insurers may consider you to be more likely to be in an accident. If you drive your customers’ cars, your business should have its own insurance for these circumstances.

Remember:

  • It is important to understand that driving coverage with other cars should not be viewed as a substitute for a comprehensive auto insurance policy.

  • If you have an accident while driving someone else’s car, you could end up paying a hefty repair bill.

  • Other car driving insurance is third party insurance only, so it will not pay for damage to the car you borrowed. You would need to pay for it out of pocket

How do I know if I have DOC coverage?

It is best to check with your insurer if you have DOC coverage as it is not always included automatically. Be sure to check before you borrow someone else’s car.

If you have a second car, be aware that you cannot use your “Drive Other Cars” coverage from your first car to avoid purchasing insurance on the second car. Other Car Driving Coverage is an add-on to help you drive other cars in an emergency, and will not extend to other cars you own.

Can I drive someone else’s car without DOC coverage?

If you don’t have DOC coverage, here are a few other options that allow you to legally drive someone else’s car:

  • Add your name to the policy: If you plan to use another person’s car regularly, or even occasionally, ask them to add you as a named driver on their insurance policy.

  • Depending on your driving experience, it might even help lower the cost of their coverage.

  • Temporary auto insurance: You may also want to consider temporary coverage if you plan to borrow their vehicle on a one-time basis. You can even get a day’s coverage to drive someone else’s car

Should I buy temporary auto insurance instead?

Temporary auto insurance is a short-term auto insurance policy that typically lasts between one and 28 days, sometimes longer. This can be ideal if you need to borrow a family member’s car for a short time.

What if I don’t have my own insurance policy?

It is important to understand that you can only drive a car if you have insurance. If you don’t have your own insurance policy (either on your own car, including DOC coverage, as a named driver on the car owner’s policy, or self-contained temporary coverage), you will not be legally covered to drive.

Remember that it is not the car that is insured, it is the driver. So while the car owner may have an insurance policy for the vehicle, each driver must have their own insurance (either through other car driving coverage or a temporary policy), or be specifically named on the policy. policy of the policyholder.

Ultimately, you need to have insurance to drive a car, whether it’s your own or someone else’s. The only exception is when you rent a car or take driving lessons in the car of a professional instructor, as the insurance will be included in the price of the rental car or course.

All things considered, it’s best not to jump in a friend’s car and assume that you can drive it legally, even with their permission.

Can someone else drive my car?

Maybe, but the same rules apply if someone else wants to borrow your car. To be covered, they will either need to have DOC coverage, be added to your own insurance policy as a designated driver, or take out a term policy.

A term insurance The policy can be a good option if, for example, your son or daughter wants to drive your car while he comes home from college and is not covered by your insurance.

Alternatively, you can consider “ any driver ” auto insurance, which means anyone can drive your car – there is often no limit to the number of people who can drive it. However, this type of policy is not very common and you can find it expensive.

About Chris Stevenson

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