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Am I Insured To Drive Other Cars?

Tue, 20/02/2018
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It may surprise you to know that while driving other cars was once included as standard on comprehensive car insurance policies from most insurers, this is no longer the case. This is now something you usually have to request and pay a little more for – if you drive someone else’s car under the assumption that you are covered and don’t check your policy, you could be in for a hefty fine and points on your licence if you get caught.

What Kind Of Car Insurance Policy Do You Need To Drive Other People’s Cars?

Some fully comprehensive policies allow you to drive other cars as standard, providing you with cover (usually third party) when you drive another car with the owner’s permission. However, many insurers do not offer this so it is important that you don’t assume you’re covered without checking first.

Many insurers won’t offer driving other cars to people under the age of 25, and if you want this benefit you will need to ask your insurer to add it for a fee after you turn 25. For young drivers, being added to a policy as a named driver may be a better option.

Some occupations may lead to you being refused cover if you are more likely to be driving other cars. You may also find that your policy doesn’t cover you for driving hired cars, or even your partner’s car – meaning that if your car is in the garage, you won’t simply be able to jump into your partner’s car. This is an unusual stipulation, but it’s important to read the small print to find out exactly what you are covered for.

Should I Be A Named Driver Instead?

Bear in mind that as a general rule, cover for driving other cars is meant for emergencies only. If you are going to be driving another car regularly it is worth being put down as a named driver on the other person’s insurance policy. This usually means you will have the same level of cover as they do.

Am I Insured To Test Drive A Car?

If you are buying a car, you’ll need to make sure you have the right level of cover when you take it for a test drive. While a dealer will usually have the correct cover under their motor trader policy, a private seller won’t. If your policy doesn’t cover you for driving other cars you may need to take out a temporary insurance policy to cover you for just one day.

How Do You Know If You’re Covered To Drive Other Cars?

Check your insurance policy carefully to find out if you’re insured to drive other cars. If your insurance is due for renewal, make sure the insurance you are looking at clearly states that you are covered to drive other cars.

What Are The Consequences of Driving Without Insurance?

If you are found to be driving without car insurance, you could be given an IN10 licence endorsement – carrying six penalty points and staying on your licence for four years. This can make your premiums much more expensive and you could be refused insurance from some companies. You could also be fined £300 – or if the case goes to court, you could receive an unlimited fine and be disqualified from driving.

Can You Be Penalised For Allowing An Uninsured Driver To Drive Your Car?

If you knowingly allow someone without insurance to drive your car, you could be given an IN12, which can have an equally negative effect on your insurance premiums.

To be on the safe side, make sure you check the small print of your policy before driving someone else’s car, ask to be a named driver on someone else’s policy if you plan on using their car regularly, and don’t let someone else drive your car if they are not insured.

 

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