Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. Insurers are understandably wary of drivers who have been caught without insurance, so you may struggle to get your vehicle insured in the future as well. Comprehensive car insurance, also known as ‘fully comp’, is the top level of (non-business) insurance you can get for your car. Please be aware that you're only covered to drive other cars in the UK. I've changed my car, how do I transfer my existing car insurance to my new car? Answer. currently I am a named driver on my wife's comprehensive policy. There are several ways to make sure you have the right level of insurance when driving someone else's car. There are severe penalties for driving without insurance, so it's best to check you're insured for driving other cars before you set off. Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. Are you insured if you borrow someone else's car? Some comprehensive policies will allow you to drive the cars of your friends and family and may also allow you to drive hire cars, too – although, this is usually only up to the level of third party coverage. In times gone by, taking out a fully comprehensive insurance policy allowed the policy holder to drive other cars on a third party basis so long as they had the owners permission. And those that do often provide only third party cover. ... the entitlement to drive other cars is … These are usually included in your car hire costs and contract. What is comprehensive car insurance? However, the level of car insurance you buy is up to you and not determined by law; there are three different types of car insurance, and these policies vary depending on the policy and insurer. Fully comprehensive car insurance is the highest level of cover you can take out for your car. If you’re happy with that, just continue using the site. You can become a named driver on someone else's insurance for a while, or you can take out a separate policy temporarily for the car you want to drive. Comprehensive driving of other cars Enjoy the same comprehensive cover you have on your own policy when driving other cars that are not owned, hired or leased by you. If it’s included, ‘it may be only on a third-party basis regardless of the cover level of your policy,’ says a Saga Car Insurance spokesperson, adding, ‘DOC cover is intended for infrequent use and shouldn’t be used to drive other vehicles regularly.’ Things I wish I'd known before I had an accident, European car insurance and driving abroad, Even if you're comprehensively covered on your own car, don't assume you're insured to drive other people's, There are severe penalties for driving without insurance, so it's best to check you're insured for driving other cars before you set off, If you plan to drive the same car several times throughout the year, consider adding yourself to the insurance policy as a named driver. Who can have the driving other cars extension? Comprehensive car insurance offers one of the highest levels of protection, it covers the same things as third party only and third party fire and theft , but on top of all that, it covers your own car in an accident. fire) damage and theft, with a fully comprehensive policy, your whole car will be covered. Typically, this gave you third-party cover to drive cars … Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy. The most common requirement is that you need to be at least 25. Insurance to drive other cars (DOC) cover used to be a standard feature of comprehensive insurance policies, but it’s rare these days. If you have comprehensive car insurance on your own car, you might just assume you'll have the same level of insurance for driving other cars. This includes damage caused to your car when it is unattended, such as a vandalism incident or a hit and run. The insurance will only cover any damage to other cars in the accident. Comprehensive car insurance - also known as fully comprehensive - covers damage to yourself, your car as well as compensating a third party if you are involved in an accident. Whether you're learning to drive, need a car for a weekend or you want to add a second car to your policy for a few days, we have temporary car insurance options to suit your needs. Make a complaint. Comprehensive insurance and driving other cars. Am I insured to drive a garage's courtesy car while my own car is being serviced? The 'driving other cars' extension was once an … Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. Driving Other Cars is popular because it gives you flexibility if you need to drive someone else’s car. Comprehensive car insurance like its name suggests offers the widest range of cover. If the case goes to court, you could also be disqualified from driving. According to Confused.com, this is no longer quite as simple as it used to be. where you often drive other cars. This cover only applies to the policyholder not to the named drivers. The policyholder can ask their insurance company to add you to the insurance policy, so you'll know you're insured every time you use the car. Driving Other Cars You, as policyholder, can get third party cover to drive other people’s cars if you have a full, current EU driving licence. If you do not have this cover please check with the owner of the car, as you may be covered to drive under the terms of their insurance policy. Comprehensive driving of other cars Enjoy the same comprehensive cover you have on your own policy when driving other cars that are not owned, hired or leased by you. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. If you're caught driving a vehicle that's not insured, the police can issue you with a £300 fine and six points on your licence. Driving of other cars* is … Comprehensive car insurance policies sometimes include Driving Other Cars (DOC) cover, which insures you to drive someone else’s car in an emergency, as long as you have their permission. Life, Investments & Pensions. It also needs to state on your certificate of motor insurance that you have the DOC extension. If you’d like to know more or are interested in adding this benefit to your policy please give us a call on 01 448 48 48 and one of our customer service representatives will be delighted to help. DOC cover was originally offered as an option for use in emergencies and wasn't intended to be used as a way to drive other cars on a regular basis. If someone else pretends to be the main driver, but you drive the car most often, this is called fronting and is not allowed. If you're the policyholder or NCD holder with LV= comprehensive car insurance, you'll usually have third party cover to drive other cars as well. This typically covers you for up to 30 days. However, not all car insurance companies offer a ‘Driving Other Cars’ option, so you should never assume that you are covered – always check your car insurance certificate before you drive someone else’s car. So, if you have a fully comprehensive policy, you will get comprehensive cover when you drive in Europe too. not written off. If your policy includes cover for driving other cars it will be shown under section 5 of your Certificate of Motor Insurance and will mean 1 ST CENTRAL will provide Third Party only cover for any accident involving the car, while you’re driving it. It's an easy assumption to make. If you need further help you can call us on 1890 24 7 365 , but please be aware that, due to measures put in place to prevent the spread of COVID-19, you may have to wait longer than usual to speak to someone. View all benefits. Unfortunately, it's not that straightforward. Driving Other Cars (DOC) provides Third Party Only cover and is restricted to policyholders only and will not apply to policyholders aged under 25 and/or policyholders engaged in the motor trade. What is a named driver? Driving other cars is a policy extension which lets you drive somebody else's car, that is not owned by you, hired or leased to you or a company car. A fully comprehensive car insurance policy will come with all of the accident and third party-liability cover than you can expect from any standard policy. This means that if you're involved in an accident, the car you're driving won't be insured if it gets damaged. This means that if you have an accident you can claim to have your car fixed, and your insurance provider may also compensate anyone else involved if eligible. However, where most policies will only cover certain personal items like mobile phones or sat nav systems against accidental (e.g. If an insurer suspects fronting has taken place, they can refuse to cover costs for damage and withdraw the insurance. It only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. She, as the named driver, is able to drive other vehicles with owners permission. If you plan to drive the same car several times throughout the year, consider adding yourself to the insurance policy as a named driver. Historically, most comprehensive car insurance policies, as well as third party, fire and theft and third party policies, used to include ‘driving other cars cover’, meaning you would be insured to drive other vehicles, at least with third party cover.These days, fewer policies include this†, so you should always check your policy documents to see if you’re covered. It doesn’t come as standard on all policies. There is a common misconception amongst policyholders who think that because they are aged 25 or older and have comprehensive motor insurance they automatically have the driving other cars extension.This has led to numerous people gaining convictions for driving without insurance. The extension to drive other cars only applies to the policyholder and NOT named drivers. You can also add other drivers to your policy, known as 'named … This covers anyone between the ages of 25-70 with a full licence to drive your car, so you won’t need to add drivers to your policy. “If you borrow a friend or family member’s car under the assumption your insurance allows you to drive any other … Will the cars be insured on the same policy. Aside from adding an experienced driver to your policy or adding yourself to an experienced driver’s policy, you should also consider the following ways to get a cheaper car insurance quote: Choose fully comprehensive: Fully comprehensive car insurance policies offer the highest level of cover, and they’re also usually the cheapest. If your vehicle is involved in an accident, stolen or set alight it will be fully repaired or written off and the insurer will pay out the current market value of the car. What is driving other cars? However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim. © 2020 Liverpool Victoria, County Gates, Bournemouth, BH1 2NF, UK, For all your car, home, travel, pet and other insurance enquiries, For all life insurance, investments retirement support. If you have a comprehensive policy on your own car, you may have driving other cars (DOC) cover included. Traditionally, this was a standard fixture on many fully comprehensive insurance policies, and gave drivers third party only cover for driving other vehicles – providing that you are fully comp on your … Comprehensive insurance and driving other cars. We use cookies to make sure your experience is as good as it can be. You’ll need to check the terms and conditions of your comprehensive car insurance to see if … It can be worthwhile if you’re only taking a single trip in the year or want to share driving duties with someone, as you can add other drivers to the policy. Leave us feedback. Please be aware that you're only covered to drive other cars in the UK. Am I entitled to a courtesy car? You can access this document in your MyAXA account . Cover to drive other cars is becoming less common with many insurance companies requiring drivers to be 25 or over before they provide this cover, other insurers have withdrawn this cover entirely. But you will need permission to drive from the owner of the other car. A few years ago, cover to drive other cars was a standard feature of most comprehensive car insurance policies. If your vehicle is involved in an accident, stolen or set alight it will be fully repaired or written off and the insurer will pay out the current market value of the car. DOC allows you to drive another person’s car, with the owner’s permission and be covered by your own insurance policy. For all life insurance, investments retirement support. It used to be the case that cover for driving other cars (DOC) was included by most insurers on comprehensive car insurance policies. Even if the car you plan to drive is insured, you also need to be insured to drive it. It includes a guaranteed hire car, seven-day car repair, personal possessions cover and more. It’s a common misconception that comprehensive car insurance covers you for driving other people’s cars. Your car insurance policy needs to be a fully comprehensive one. An urgent warning for all people insured to drive a van - check your insurance covers you to drive any other vehicle!. Driving Other Cars (DOC) Car Insurance As part of your car insurance policy some car insurance companies will provide third party cover to drive other cars. Menu ... Find out more about car insurance and driving other cars. This type of cover is useful if you know you'll only need to drive the other car for a few days, rather than need access to it throughout the year. This covers any amounts you are legally liable to pay if someone else is injured or killed or their property is damaged, but not any damage to the car you’re driving. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy. Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. If you do not have this cover please check with the owner of the car, as you may be covered to drive under the terms of their insurance policy. If you're on holiday and want to know if you're covered to drive a hire car, depending on the country you are travelling to, you may be legally obliged to have three types of basic insurance. However this is not always offered as standard you will need to compare car insurance to see which insurance policies include European full comprehensive cover. The ‘driving other cars on a Third Party only basis’ extension is only provided on policies where this is specifically detailed on your most recent Certificate of Motor Insurance. This means that at best you'll only be covered for any damage you do to other people and vehicles (not the vehicle you're driving) and at worst, you won't be insured at all. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. Increased personal accident insurance pays out £100,000 if you, your partner or a named driver on the policy suffer a serious injury while travelling in, or getting into or out of your car. It provides coverage for you and your vehicle as well as other road users – more than you get with third-party, fire, and theft and third-party policies. This essentially works like fully comprehensive cover. Before driving someone else's car, you must have the owner's permission and their car must have valid insurance already. All content is approved by our in-house advisory board of experts. Always check the small print in your policy to see if it includes DOC cover, and what level of cover it gives. When it comes to driving other people’s cars, a lot of people believe that if you have a fully comprehensive policy on your own car then you’ll have third party cover from your insurer on someone else’s car. That's why some insurers no longer offer this cover. Driving Other Cars (DOC) cover used to be reasonably common on comprehensive policies and it meant you could legally drive someone else’s car – with their permission – … Can I drive any car if my policy is third party or third party, fire and theft? It only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. A fully comprehensive auto insurance policy is also referred to as full coverage; Full coverage policies typically include at least liability, comprehensive, and collision coverage. Comprehensive car insurance is the highest level of cover you can buy from us. As the name suggests, this type of insurance allows you to take out comprehensive car insurance on another car for a few days at a time, usually between 1 and 28 days. Fully comprehensive insurance is exactly the same as comprehensive insurance and is just another name for same level of cover. © 2020 Liverpool Victoria, County Gates, Bournemouth, BH1 2NF, UK, For all your car, home, travel, pet and other insurance enquiries, For all life insurance, investments retirement support. If you claim the parent and more experienced driver is the main driver, but the less experienced and younger driver actually uses the car most often, this is considered fraud. The research revealed that 35% of people with a UK driving licence think that a fully comprehensive car insurance policy covers them to drive any … Comprehensive car insurance also covers you against fire and theft. The driving other cars, or DOC, extension is a benefit included in some car insurance policies. If I hire a car whilst my car is being repaired, using my own garage, will I be covered under my car insurance? Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. I have an LV= car insurance policy. Have a look at your policy documents to double check you're covered and make sure you've got the owner's permission to use their car first. Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Your car must be in a driveable state, i.e. However, you must be careful to only add yourself as a named driver if you are not the main driver. Even when it does, it’s usually reserved for emergency situations or one-offs only. You can also claim if you have accidentally damaged your car, for example reversing into a garage door. Not everyone with fully comp cover is eligible for this extension on their policy. But you will need permission to drive from the owner of the other car. You can drive someone else`s car with their permission, on a third party basis if you have driving of other cars cover on your policy. DOC cover is cover for driving other cars (DOC). Some restrictions apply, check your MotorCare policy booklet for details. So your partner may have comprehensive insurance on their car, and you may have comprehensive insurance on your car, but unless you're a named driver on your partner's car, you may not be insured. Please refer to your Certificate of Motor Insurance for confirmation that you have this cover, or call us on 0345 246 8701. There are two other types of insurance you can choose: third-party fire and theft (TPF&T) and third-party only (TPO). This article contains links to other sites, and we're not responsible for the contents of any of these websites. I've been in a car accident and have hire car cover, what can I expect? A friend of frugal ways came unstuck, when they discovered the fully comprehensive van insurance they had, did not cover them for driving any other vehicle, even though it had in the past. This is especially handy in case your car breaks down and you need to … You can only use the car in the UK for the purposes stated on your certificate. We use cookies to make sure your experience is as good as it can be. It's easy to get caught out if you're a parent insuring a car for a child. This can be particularly useful for couples who have two cars and want the use of both of them. There are two ways to do this. LV= multi-car cover provides a discount to customers looking to insure more than one vehicle on the same policy. ... For all your car, home, travel, pet and other insurance enquiries. With Admiral, this means the temporary cover you have can be fully comprehensive even if your existing policy is third party, fire and theft. Learn more about cookies. It's illegal to drive without at least third party insurance. 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