Did you know? You may be able to drive someone else's car on your insurance.

losgiganteskid

ianonline wrote:

This is another area that confuses me

• obviously, Joe Bloggs is a third party, and my insurance would pay to repair his car.
  
  Correct
  
  
  
• are you saying that my brother is also classed as a third party and my insurer would also pay to repair his car
  
  No - your brother would not get his car repaired if you were driving it and had a fault accident. If he wanted to protect his car whilst you were driving he would need to include you as a named driver under his Comprehensive policy, or extend his cover to any authorised driver. Your brother could sue you of course for damage sustained to his vehicle by your negligent driving but your insurers would not become involved, as it aint covered

ianonline

losgiganteskid wrote:

No - your brother would not get his car repaired if you were driving it and had a fault accident. If he wanted to protect his car whilst you were driving he would need to include you as a named driver under his Comprehensive policy, or extend his cover to any authorised driver. Your brother could sue you of course for damage sustained to his vehicle by your negligent driving but your insurers would not become involved, as it aint covered

Well that was exactly what I always thought, which is why I was confused when I read Kiri-Here's post:

Kiri-Heres wrote:

so if you are driving your brother's car, for example there is no automatic comprehensive cover per se : he would have to claim against you and your Insurer would pay him, if at fault.

losgiganteskid

Kiri is wrong on that point !!

arch50

hi just watched a police program and the police man told a driver he was not insured to drive his wifes car under his own insurance????(the car was taxed and mot) so i have been braking the law thanks to my insurance company it has said for 20 plus years on my policy that i could drive someones car under my insurance and now this bobby says no !!!!!!! i need this cleared up am i or am i not insured
yours arch

dacouch

Which Insurer are you with?

Quentin

arch50 wrote: »

i need this cleared up am i or am i not insured
yours arch

Usually DOC is allowed as long as the other car isn't owned by you. But there are a number of main stream insurers (eg morethan) that also add that the other car cannot be owned by your spouse/partner either. (This will be what has happened in the tv programme).

Check your insurance certificate to see whether your policy excludes driving other cars owned by your spouse to get the definitive answer in your case.

Also double check at each renewal in case they slip a change in.