Auto insurance companies are not uniform with contracts. You pay for auto insurance, therefore call for questions like this!! Some auto insurance companies may try to probe for additional hh members or drivers who may use your car on a recurring basis. Does the borrower have a good driving record?
Is my insurance up to date? So if the driver rear-ends someone or bumps another car in a parking lot and your insurance has lapsed, you could be liable for damages. What do they plan to use the car for? If the car is being driven for commercial purposes and you only have a personal policy, you may not have sufficient coverage.
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Driving other cars cover allows you to drive other insured cars without being a named driver or buying temporary cover. The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it.
It's not automatically included on every comprehensive policy — so check first. Unfortunately, driving other cars cover is not available to everyone. Those with criminal convictions or who have made an insurance claim on their own policy may not be able to get DOC cover either. Some occupations may be excluded. Driving other cars insurance is only ever third party only insurance, so it will not pay for any damage your do to the car you have borrowed.
You would need to pay for that out of your own pocket. Driving other cars cover is an add-on intended to allow you to drive other cars in an emergency, and will not extend to other cars you own. Depending on your driving experience, it could even help to cut the cost of their cover. Temporary car insurance: Alternatively, you could consider temporary cover if you plan to borrow their vehicle as a one-off. You can even get one-day cover to drive someone else's car.
Temporary car insurance is a short-term car insurance policy that typically lasts between one and 28 days, sometimes longer. It's illegal to drive without insurance The only exception is when you're hiring a car or taking driving lessons in a professional instructor's car, as the insurance will be included in the cost of the hire car or lesson. Perhaps, but the same rules apply if someone else wants to borrow your car.
To be covered, they will either need to have DOC cover, be added to your own insurance policy as a named driver or take out a temporary policy. A temporary insurance policy may be a good option if, for example, your son or daughter wants to drive your car while they are home from university, and they're not covered on your insurance. Please note: Sadly, if your policy term began on or after the 5th of January , you will not be insured to drive other cars on your Marshmallow policy.
Please check your policy documents for a confirmation of this. You can check if you are insured to drive someone else's car by reading your Certificate of Motor Insurance or checking your 'Policy details' inside the Customer Account. You are insured to driver other cars if your Certificate says under 'Insured Persons':. Learn more about how your driving history can affect the price of your policy. Due to unforeseen circumstances, we have reduced capacity in our customer support this evening.
If you're able to wait until tomorrow, we'd greatly appreciate it. We apologise for any inconvenience caused. Manage your policy, download your documents, make a claim or speak to a member of our team all inside our app.
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