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Did you know? You may be able to drive someone else's car on your insurance.
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# 1
MSE Martin
Old 13-02-2006, 12:33 PM
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Default Did you know? You may be able to drive someone else's car on your insurance.

Did you know? If you've got comprehensive insurance you may be able to drive someone else's car.

I'm cheaply insured to drive my little Smart car, but this weekend I drove my friend's Mercedes sports car on my policy at no extra cost. That's because many comprehensive policies include a 'third party all-cars' allowance letting you drive other cars on your own policy.

Rough Guidance: though check your policy as it may differ from the standard

  • Not all policies have this. So you need to call and check whether it's included in yours.
  • This is only third party cover. So if you crash into anything it won't cover the car you're driving. However if you crash into someone else it will pay out for their car or any injury to them.
  • It isn't designed as an every day policy. Insurers rightly caution against using this as an every day policy as the cover this as you have more limited cover. I would consider it primarily as a useful optional cover for times when you 'need it' rather than an every day type of cover. Most interestingly as you're covered for any car it is one way to get insurance to drive a much higher category car.
  • Can it be used as a cheap way to insure yourself for an expensive car? Technically, providing you don't own the car, there's usually nothing stopping you doing this on most policies, however insurers frown on it and if they find out will often try and make you pay to be added as a second driver on that insurance. I would caution against this as a policy, both because insurers are looking at blocking this cover (as so many people are doing it) and because the cover it providers is so limited as many are doing it.
  • When it doesn't apply. Most policies don't accept this as cover if i. you own the car ii. any other insurance covers you when driving it iii. the car is hired iv. your own car is no longer driveable/repairable
If you are looking to cut the cost of your insurance see Car Insurance Cost Cutting System for easier ways.

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Last edited by MSE Martin; 14-02-2006 at 2:34 PM.
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# 2
AndrewSmith
Old 13-02-2006, 1:52 PM
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Hi Martin,

Yes I have noticed this on my own policy. I drive and Insure a Citroen C8 fully comp, but drove my mate's DB7 legally 3rd party (somewhat carefully though I add).

The only thing is that it is not acceptable as cover for any vehicle when you come to buy road tax. The insurance policy for road tax must have the vehicle registration on it that you are taxing. Tried it once, and failed.

Andy
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# 3
losgiganteskid
Old 13-02-2006, 2:59 PM
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If you are driving(or last in charge of) someone elses vehicle and using your DOC (driving other Cars) extension and it is stolen, there can be no claim. The insurer of the car will ONLY cover theft if the owner (or other entitled driver) was in charge of the car at the time of the theft.

Last edited by MSE Martin; 13-02-2006 at 3:11 PM.
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# 4
gunneradt
Old 13-02-2006, 3:27 PM
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I think it may be rather difficult to refute that the owner of the vehicle was in charge at the the time of theft.
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# 5
trigger_mike
Old 13-02-2006, 3:33 PM
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can be risky, do not depend on the fact you can drive on your policy as said, if you crash you are not insured, if you hurt anyone your not covered, and the car needs to be insured in the first place.

Last edited by MSE Martin; 13-02-2006 at 3:41 PM.
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# 6
m00nie
Old 13-02-2006, 4:14 PM
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Quote:
Originally Posted by trigger_mike
can be risky, do not depend on the fact you can drive on your policy as said, if you crash you are not insured, if you hurt anyone your not covered, and the car needs to be insured in the first place.
if you crash it is the car you are in you would not get paid for, the car you hit(if it was your fault, if theres then you claim off them anyway)

does the car need to be insuired in the first place? i have drove a friends car(in an emergency i add) which they had no insurance for, i was stopped by the police,i produced his documents with MY insurance and all was passed
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# 7
losgiganteskid
Old 13-02-2006, 4:57 PM
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Quote:
Originally Posted by trigger_mike
can be risky, do not depend on the fact you can drive on your policy as said, if you crash you are not insured, if you hurt anyone your not covered, and the car needs to be insured in the first place.
Sorry Trigger Happy Mike, but you are incorrect in all statements !!

Firstly you need to read your insurance certificate. Under the heading "Persons or classes of Persons entitled to drive" - it will show who is entitled to drive the insured vehicle, ie, Insured Only, Insured and Spouse, Named drivers etc immediately thereafter it will say words to the effect. "The policyholder is entitled to drive with the permission of the owner a Vehicle (or Car) not belonging to him and not hired to him under a hire purchase agreement". If you haven't got that wording, you haven't got the cover to drive another vehicle. You need to read this statement carefully, some insurers say ".....a vehicle" (meaning a car, a van or even a motor cycle - others merely say "Car")


"If you crash you are not insured" - well you certainly ARE !! - the vehicle you are driving is not insured for damage agreed, but any person or property you collide with is entitled to claim off you for damage, loss or injury, and your own insurer will cover this claim.

As for the car you are driving being covered by the owner, again, not true. See Moonies reply
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# 8
Mumstheword
Old 13-02-2006, 5:14 PM
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This is useful in genuine emergencies, but very dodgy to rely on on a regular basis, especially if you use this extension to get around paying for insurance on a higher rated car.

The only cover is liability to a third party.

in the event of an accident, the other driver would have to be deemed to be fully responsible for the accident, to enable you to claim for damage to the car you are driving from their policy. Any slight doubt about 'fault' would spell problems!

I think it is wise, if borrowing a friend's pride and joy and using third party only insurance, to have a chat about who would be expected to pay up for any repairs should the need arise! (unless you are super rich and don't need to worry about that!!)
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# 9
Lucy Lastic
Old 13-02-2006, 5:15 PM
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I did know that this was possible, but personally, I would be very worried driving someone else's car and only being covered for third party. Surely, Martin, you would not recommend this unless it was an emergency?

I have added another person (permenantly) to my policy and not had to pay any extra. I have also added someone for just 2 weeks while they were with me on holiday, to share the driving. Again, no charge.

All your money saving would be cancelled out if you had to pay thousands to your mate should you write off his car!

Am I just too cautious?
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# 10
exil
Old 13-02-2006, 7:40 PM
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It's really to cover driving someone's car if they become ill/have had a little too much to drink, or borrowing their car if yours is temporarily off the road. If your pal has a Ferrari they'd be best adding to their insurance if you want to borrow it for a day.
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# 11
sujman
Old 13-02-2006, 7:59 PM
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I have TPFT cover only and still allowed to drive any other car TP only (subject to the usual exclusions).

But wasn't there something in the News some months ago saying that Insurance companies were starting to withdraw this normally automatic right from their policies? They stated that in the case of emergencies, the ins company would look "sympathetically" at any case were the car was driving without insurance...

Who's willing to rely on insurance companies siding with the customer when they really need it????
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# 12
Savvy_Sue
Old 13-02-2006, 8:10 PM
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some insurance companies have definitely withdrawn the DOC cover, it's been mentioned on this board before, can't remember who it is but definitely check you ARE covered before relying on this.
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# 13
DeeRus
Old 14-02-2006, 8:54 PM
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Can EVERYONE PLEASE be careful with this - I work for the largest insurer in the UK and this extension (if you indeed do have it), will most likely be withdrawn at your next renewal.

It's not the Insurers who are driving this, because it's actually a loophole, where people would insure say a Ka and actually own and drive another car and use this other car as their 'regular' vehicle, which was most likely a 'luxury' type.

It actually costs all of us and makes it difficult to track down the drivers out their with no insurance cover, one of the main uses of the MID, which is the electronic system the police use to check your car (assuming you are stopped or involved in an accident)

PS - I'm a recently joined member of this forum/newsletter and think it's the best - I was forwarded it by one of my mates (yes he works for the same company!)
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# 14
themissingdigit
Old 14-02-2006, 10:02 PM
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speaking from 1st hand experience.
i borrowed my mothers car parked it on my drive & it was then stolen. the insurance company refused to pay. but because we had only said it was parked there & stolen, we then had to bend the truth a bit & say my mother parked it there & put the keys through my letter box as i wasn't in. they then paid out but would not of done otherwise. basically while you have the car there is no insurance to cover that vehicle at any time until the owner has it back.
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# 15
golddustmedia
Old 15-02-2006, 9:22 AM
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This "loophole" is really intended for reliable drivers to temporarily use another persons car legally and unfortunately is regularly abused. For example I occasionally need to borrow my fathers car if I'm visiting them by train and my car is at home 200 miles away. However when younger I was aware that some friends used this loophole to get behind the wheel of GTi's etc where they would buy said car in a parents name and insure say a 1 litre fiesta for a few hundred pounds but regularly drive an XR3i (this is going back a few years eh!?).
I recall however one lad I knew wrote off his hot hatch when he pranged another car at speed and the insurance covers only the "third party" i.e. the car he hit. He lost his own car (all be it in parents name) and of course his own injuries were not covered by an insurer.

Bottom line is it's a useful addition for genuine drivers but looks likely to go due to greedy abuse. :-(
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# 16
catleugh
Old 15-02-2006, 10:03 AM
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Default Not just comprehensive insurance

My Third Party Fire and Theft insurance covers me to drive any car not belonging to myself.
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# 17
thetope
Old 15-02-2006, 11:35 AM
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my third party fire and theft insurance also covers me to drive a car that is registered to another person. it is through diamond but this should also apply to elephant and admiral, as they are all under the same umbrella
money money money... must be funny... in a rich man's world
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# 18
wiserbutpoorer
Old 15-02-2006, 12:20 PM
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I am somewhat worried by this thread - when I did my motor insurance exams the Driving Other Cars extension was seen as an emergency cover only. One explanation was that it was really only to clarify the position if an "unisured" driver had an accident i.e. the insurer concerned was the Driver's as there was a presumption that in order to prevent State interference with Motor Insurance (like the French system) some insurance should be made available.

The argument as I remember was that the cover was very restricted and could leave large uninsured expenses.

To my mind this falls in the same category as children driving their own car which is insured any driver by parent, or not completing the change of owner on the car Registration form (when buying a secondhand car) so that it is not owned by you whilst you are driving it home.

It seems to work for the man down the pub but I would not want to rely on it if there was a nasty accident.

However, motor insurance policies have developed since I last drafted a policy so the above may no longer apply.
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# 19
lowedb
Old 15-02-2006, 1:40 PM
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Strangely, having had a policy for a few years without this, it has now been added on at my last renewal.

I've always known about it being there, but never used it as I don't see it saving any money if you make a mess of someone elses car.
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# 20
thetope
Old 15-02-2006, 1:50 PM
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i wouldn't use it to drive another car frequently, but i occasionally borrow my dad's estate car to transport large items, for which it is very useful, and means i don't have to get him to give up his day to drive stuff around.
money money money... must be funny... in a rich man's world
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