Are you covered if ?

ankspon

If Other people put you on their car insurance to drive their cars do you have to inform your own insurance.

HeadAboveWater

Your own insurance should state what car(s) you're covered to drive. For example, my partner is insured on his own car, but is allowed to drive any other car which is not in his name. I'm a named driver on his policy but can only drive his car. Does that make sense?!

ankspon

The person i am asking for thinks he did not state he would be driving other cars on his own insurance,guess he will have to contact them.Will it put the premiums up.

Quentin

There may be an admin charge for making this change.

He can do dummy quotes online to see what difference (if any) it makes answering yes or no to the question regarding having acces to other cars.

thenudeone

ankspon wrote: »

If Other people put you on their car insurance to drive their cars do you have to inform your own insurance.

Not usually. But it is common when getting quotes to ask whether you have access to other cars. I don't think it makes much difference either way. There is some extra risk if they offer "Driving Other Cars" cover as part of the policy, but this is usually only given to experienced drivers who are low risk anyway. Younger drivers are rarely offered DOC cover, so the insurer will never have to pay out even if the policyholder has an accident while driving another car.

See what it says in your policy, though.

mikey72

If you weren't on their policy when you took your own out previously, you shouldn't need to declare it now, as it's unlikely to be considered a material fact. Personally I wouldn't contact my insurer to tell them mid way through a policy. If you're just being included to bring their insurance quote down and will never drive the car in reality, you may have to provide a copy of your driving licence if they ever have a claim, to prove you actually exist though.