Car Insurance Policy Allowing you to Drive Other People's Cars on Third Party

textbook

Aviva currently let me drive other people's car on third party if they verbally nominate me, but I can't get any other provider to allow it.   Gonna leave Aviva unfortunately for other reasons but will I have to get other people to now put me on their policy if they want me to drive (e.g. their drunk etc) as a named driver?   

DullGreyGuy

What you are talking about is Driving Other Cars. 

In the good old days, any comprehensive policy allowed the policyholder (not named drivers) to drive other cars not owned by them (nor rented/financed to them) on a third party only basis as long as the policyholder was 21 or over and held a full license for 1 year or more and had the owners permission.

In the constant race to reduce prices because customers will switch insurer to save less than £1 a year DoC is one cover that the cheaper providers have removed to help get them to the top of the aggregator price list. That said, many do still include it as standard subject to age & license. 

Plenty still offer DoC cover but if its going to be more than a one off you may want to consider being added as a named driver instead (or Temporary Additional Driver) so that you have comprehensive cover and legal expenses (assuming the car's owner have these)

ontheroad1970

I have a policy where My wife and I can drive other cars fully comprehensive but the other named drivers on my policy can drive other cars with third party cover only.  It is with Covea.  Because of my occupation my wife's insurer wouldn't give a quotation to be a named driver on her car, and obviously, I cannot drive her car on DOC.  

DullGreyGuy

ontheroad1970 said:

I have a policy where My wife and I can drive other cars fully comprehensive but the other named drivers on my policy can drive other cars with third party cover only.  It is with Covea.  Because of my occupation my wife's insurer wouldn't give a quotation to be a named driver on her car, and obviously, I cannot drive her car on DOC.  

That would be their High Net Worth/"executive" policy... the DoC does have a few more conditions than a normal DoC but obviously on the flip side its comp cover.

Its a fairly common feature of HNW motor insurance but many providers are only interested in covering vehicles over a certain value and some only where there is a wider HNW relationship (ie you cannot just buy Motor from them)

daveyjp

I've never had an issue getting DOC cover. 

 The cheapest quote I received this year excluded it, but it was a sub brand of LV and they do include it.

Ectophile

I'm with AXA at the moment, because they do include the drive other car feature on their policy.  But maybe the insurers have something against you personally.

jimjames

daveyjp said:

I've never had an issue getting DOC cover. 

Normally it's an age thing. I have the cover but if you're under 30 it's unlikely to be available.

Goudy

I have a fully comp Axa policy and that comes with DOC.

Just to straighten up something though, the other car still needs to be covered on it's own policy.
So you can borrow and drive someone elses car, third party with their permission, but the car needs to have it's own insurance, you can't drive a car that's not already insured on the third party DOC cover on your own policy.

Car_54

Goudy said:

I have a fully comp Axa policy and that comes with DOC.

Just to straighten up something though, the other car still needs to be covered on it's own policy.
So you can borrow and drive someone elses car, third party with their permission, but the car needs to have it's own insurance, you can't drive a car that's not already insured on the third party DOC cover on your own policy.

Doesn't that depend on the particular policy? It's not a condition on mine (Aviva).

Obviously if the car isn't insured, its registered keeper is committing an offence, but the driver is not.

roddydogs

My policy also doesn't cover doc, for the first time.

Goudy

Car_54 said:

Goudy said:

I have a fully comp Axa policy and that comes with DOC.

Just to straighten up something though, the other car still needs to be covered on it's own policy.
So you can borrow and drive someone elses car, third party with their permission, but the car needs to have it's own insurance, you can't drive a car that's not already insured on the third party DOC cover on your own policy.

Doesn't that depend on the particular policy? It's not a condition on mine (Aviva).

Obviously if the car isn't insured, its registered keeper is committing an offence, but the driver is not.

I'm not sure what Aviva state in their T&C's but I was under the impression that the other vehicle must have insurance regisitered against it.
Every policy I ever had with DOC on it has made it clear in their T&C's.

I would have thought some sort of dealer policy would allow you to drive cars without their own specific policy.

My sister got clobbered like this.
Jumped in her daughters car which was on her drive to get to hospital and as her daughter was away at uni, she'd let her insurance slip.

The car flagged on ANPR and she got hit with points and a fine.

She couldn't quite understand as she was convinced her own policy covered driving other cars, it's just didn't when the other car had no insurance.

Before testing Aviva, I would first ring them and clarify.
Expensive otherwise!