Can You Get Car Insurance if the Car Is in Someone Else's Name?

The power to drive other cars on your policy isn't something that'due south always automatically included. In fact, not all providers fifty-fifty offer it every bit an option.

A friend is in a pickle and needs someone to drive their car home. You lot call up to yourself "Slap-up, I take fully comprehensive cover so I can bulldoze another car on my insurance," and off you toddle.

But, actually, do you lot accept driving other cars (Md) on your policy? And was that jaunt in your friend's car really legal?

What is 'driving other cars' insurance?

'Driving other cars' is a clause in your policy that allows you to drive someone else's car without being a named driver on their policy.

Information technology'southward important to understand that if such a clause isn't included, you aren't covered to drive other cars – even if your insurance policy is fully comprehensive.

If you do bulldoze some other automobile without being insured, you're breaking the law – and yous take chances a hefty fine, penalty points and possible disqualification.

If I have fully comprehensive motorcar insurance tin can I drive any motorcar?

No. There was a fourth dimension when many fully-comp policies automatically gave yous third-political party insurance to bulldoze any auto, but those days take gone.

So even if you're fully covered for your own car, don't assume you lot're insured to bulldoze other people's cars otherwise you risk breaking the law.

Before getting behind the wheel of another car, speak to your insurer to find out what the situation is.

If necessary, ask them about adding a clause to your policy – not all insurers offer that choice, but many do.

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What practise I need to do to go Physician on my policy?

To become Doctor insurance on your policy and be able to drive someone else'south car, you lot'll need to run across some requirements typically set out by insurance providers, including:

• You need to exist 25 or over when the policy starts
• Your car insurance policy needs to be a fully comprehensive one
• The other car must have insurance already
• Your auto must be in a driveable land (ie, not written off)
• Your occupation cannot exist in the motor trade (ie, where you often bulldoze other cars)

It also needs to exist stated on your certificate of motor insurance that you lot have the DOC extension.

How is 'driving other cars' embrace dissimilar from adding a temporary commuter?

DOC encompass is there for emergencies – such as if a friend has had an accident and needs you to drive them to hospital.

It's the lowest level of embrace (third-political party only). If you take an blow, the policy will cover simply damage to the other car. You lot would be liable for the damage acquired to the car you're driving.

An culling would be to be added to the other car's policy as a temporary driver with fully comprehensive temporary machine insurance.

This provides longer-term comprehend, equally opposed to Medico cover, which is designed for occasional, infrequent events.

For instance, if yous have a child habitation from uni for two months and y'all desire them to exist able to use your car. Adding them as a temporary driver would permit them do that whereas Physician cover wouldn't.

Not sure if you lot have the right cover to bulldoze somebody else'due south car? Don't drive!

Before you go backside the steering wheel of the car y'all want to drive, brand certain you take Doc embrace. Call your provider and ask them, and cheque your certificate of motor insurance, too.

If you lot're pulled over by the law while you're driving some other car and information technology turns out you lot don't have Doc cover, you'll exist facing some serious consequences:

You'll become vi-8 points on your driving licence for being convicted of driving without insurance. If you're within your start two years of driving, that's enough to lose your licence even if your previous tape was unblemished.

You'll confront a fixed-penalty fine of £300, and if it goes to courtroom you could be fined much more than.

Information technology'll increment the cost of your car insurance – if you can even detect an insurance provider to requite yous a quote in the offset place, that is. Many insurers won't cover drivers with this conviction as they're considered to be too high risk.

What can I do if I don't have driving other cars insurance?

If you don't have Doc on your policy – whether that's because y'all're as well young or because your provider doesn't offer it – you yet accept options:

Ask the other policyholder to add you to their policy every bit a named driver. Y'all'll have the same level of comprehend as them.

They can add together yous to their policy every bit a temporary driver. You could be on there for a week or a month, whichever is relevant.

You can take out a temporary car insurance policy on the car you want to drive – you tin do this from just one 24-hour interval before you need information technology.

There'south one further option that might, in some circumstances, help you. The owner of the other car can use for whatever-driver car insurance – cover that allows anyone else to drive the named vehicle.

This sort of policy might appeal to a business organization that has several people who demand to drive the same motorcar, for example.

Just fifty-fifty with whatsoever-driver automobile insurance, there are likely to be restrictions on who can become behind the bicycle, such equally a minimum age requirement.

Can I drive a van on my Doctor insurance?

Technically this can be done, simply good luck in trying! DOC comprehend is rarely provided for driving a van.

This is partly because the definition of a van is very broad - it can be nearer to being a lorry than being a machine.

It also risks assuasive the driver to devious from personal use to commercial utilise, which would require a different policy completely. DOC cover is non designed for commercial use.

Can I drive my partner'due south car?

As with all other cars, you tin can do this if you have Physician insurance or you are a named commuter, although this shouldn't exist a long-term solution. Bank check the diction of your insurance policy to make sure you know what you're covered for.

Can I drive someone else'southward machine in an emergency?

The normal rules apply, fifty-fifty in an emergency. You tin drive someone else'south car if yous have DOC insurance or you are a named driver, but otherwise you mustn't practice so.

Can someone else drive my car?

In the same way that you must accept proper insurance comprehend if you want to bulldoze another car, other drivers must :

• Accept Md cover
• Be added to your own insurance policy
• Have out temporary insurance before they drive your vehicle

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Source: https://www.confused.com/car-insurance/guides/driving-other-cars-on-your-car-insurance

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