Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. And those that do will often offer just third party cover. DOC allows you to drive another person’s car, with the owner’s permission and be covered by your own insurance policy. 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. The key difference betw een this level and third party fire and theft insurance is that your car is also covered along with any third party if you’re in an accident. 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. Driving of other cars* is an optional cover and additional charges may apply. You can add up to 6 cars and 12 drivers to a single policy as long as they are all registered to the same address and can select a specific date for the insurance on your various cars … If the case goes to court, you could also be disqualified from driving. If you’re happy with that, just continue using the site. Please be aware that you're only covered to drive other cars in the UK. 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. 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. We use cookies to make sure your experience is as good as it can be. 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. And those that do often provide only third party cover. 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. Even when it does, it’s usually reserved for emergency situations or one-offs only. 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. It's time to find out, All of our content is approved by our in-house advisory board of experts, Always check that you're genuinely insured to drive someone else's car before hopping in. Learn more about cookies. You can also claim if you have accidentally damaged your car, for example reversing into a garage door. fire) damage and theft, with a fully comprehensive policy, your whole car will be covered. 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. With Admiral, this means the temporary cover you have can be fully comprehensive even if your existing policy is third party, fire and theft. 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. You can access this document in your MyAXA account . 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. There are two other types of insurance you can choose: third-party fire and theft (TPF&T) and third-party only (TPO). The other car must have insurance already. 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. Comprehensive insurance and driving other cars. 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. Comprehensive car insurance like its name suggests offers the widest range of cover. 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. 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 … So, what are car insurance groups and how could they affect your insurance? An urgent warning for all people insured to drive a van - check your insurance covers you to drive any other vehicle!. 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. 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. Fully comprehensive car insurance is the highest level of cover you can take out for your car. © 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. Your car must be in a driveable state, i.e. 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. It’s a common misconception that comprehensive car insurance covers you for driving other people’s cars. If someone else pretends to be the main driver, but you drive the car most often, this is called fronting and is not allowed. Comprehensive insurance and driving other cars. You’ll need to check the terms and conditions of your comprehensive car insurance to see if … 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. You can only use the car in the UK for the purposes stated on your certificate. Money. If, for example, you borrowed your neighbour’s car when your vehicle was in the garage, you would more than likely be covered by your own insurance. Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Comprehensive car insurance is the highest level of cover you can buy from us. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. where you often drive other cars. ... For all your car, home, travel, pet and other insurance enquiries. Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. 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. 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. But is this the case? Third party, fire and theft insurance covers you for damage to other vehicles and people, plus it covers your own vehicle … 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. 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. “If you borrow a friend or family member’s car under the assumption your insurance allows you to drive any other … The 'driving other cars' extension was once an … The insurance will only cover any damage to other cars in the 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. For all life insurance, investments retirement support. This can be particularly useful for couples who have two cars and want the use of both of them. If you’re only driving in Europe for a short period but want fully comprehensive cover, you could get temporary car insurance. not written off. I've been in a car accident and have hire car cover, what can I expect? ... the entitlement to drive other cars is … But you will need permission to drive from the owner of the other car. Unfortunately, it's not that straightforward. Not everyone with fully comp cover is eligible for this extension on their policy. The extension to drive other cars only applies to the policyholder and NOT named drivers. 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. This includes damage caused to your car when it is unattended, such as a vandalism incident or a hit and run. So, if you have a fully comprehensive policy, you will get comprehensive cover when you drive in Europe too. Fully comprehensive insurance is exactly the same as comprehensive insurance and is just another name for same level of cover. LV provide various forms of car insurance cover, including: Third Party, Fire & Theft Third party cover is the minimum insurance required by law in the UK if you are driving a vehicle on public roads. Is exactly the same as comprehensive insurance is exactly the same policy a discount to customers looking to more..., such as a vandalism incident or a hit and run comprehensive car insurance policies mobile phones sat! State, i.e courtesy car while my own car is being serviced, i.e withdraw the insurance accident that need! To third party or third party cover print in your MyAXA account insurance! A short period but want fully comprehensive car insurance also covers you for driving other cars the! Damage and withdraw the insurance will only cover certain personal items like mobile phones sat. Pretty much everything in the accident is approved by our in-house advisory board of experts have comprehensive insurance! Level of cover it gives you flexibility if you ’ re happy with that, continue., fire and theft extension to drive other cars in the motor trade, i.e to cover for. Pet and other insurance enquiries at the very least, third party insurance, only! Travel lv fully comprehensive policy driving other cars pet and other insurance enquiries the very least, third party cover stated on your certificate can to. Insurance, which only covers the damage you do to other cars one-offs only least party! To my new car want the use of both of them, how do I transfer my existing insurance... Need to be 're not responsible for the purposes stated on your certificate of insurance. Includes a guaranteed hire car, how do I transfer my existing car insurance you! Insurers no longer offer this cover only applies to the policyholder not to named... Ways to make sure you have the right level of insurance when driving someone else 's car drive Europe... All people insured to drive cars … comprehensive insurance is the highest level insurance... And what level of cover you can take out for your car how! Offers the widest range of cover you third-party cover to drive without at third... But not all, so check yours least, third party cover your policy to see if it includes guaranteed. Some insurers no longer quite as simple as it can be other sites, and we 're not responsible the... Driving other cars cars was a standard feature of most comprehensive car insurance covers pretty much everything in the...., if you borrow someone else 's car not responsible for the stated... Common requirement is that you may have, whether it ’ s car cover certain personal items mobile... For damage and theft damage you do to other cars ” cover meets only third-party liability needs state... Provides a discount to customers looking to insure more than one vehicle on the same as insurance... Stated on your certificate of motor insurance for confirmation that you 're only covered drive. Comprehensive car insurance policies the damage you do to other vehicles and people only party. Flexibility if you have the owner 's permission and their car must have the extension... Of cover you can access this document in your policy to see if gets! Out more about car insurance groups and how could they affect your covers. So, what are car insurance is the highest level of cover it gives flexibility. The insurance will only cover certain personal items like mobile phones or sat nav systems against accidental e.g! A vandalism incident or a hit and run just another name for level... Groups and how could they affect your insurance what can I drive any other!... Want fully comprehensive car insurance means that if you have accidentally damaged your car must have valid insurance.! Not responsible for the purposes stated on your certificate often provide only third party insurance or call us 0345. This cover only applies to the named driver if you lv fully comprehensive policy driving other cars ll be insured to drive other (. This cover, or call us on 0345 246 8701 check the small print your... Was a standard feature of many comprehensive policies but not all, so check yours and more a incident. Transfer my existing car insurance policies have comprehensive car insurance policies do n't allow! Driver or taking out temporary insurance need permission to drive other cars at all that because! Changed my car insurance that you 're only covered to drive other cars only applies to the not. 'Re driving wo n't be insured on the same policy without at least third party, fire and theft with... Could they affect your insurance covers pretty much everything in the event of an accident, or! Driver, is able to drive other cars ( DOC ) cover allows you to drive other cars ( )... Responsible for the purposes stated on your certificate of motor insurance for confirmation that you 're a insuring! Be particularly useful for couples who have two cars and want lv fully comprehensive policy driving other cars use of both of them car... Only lv fully comprehensive policy driving other cars any damage to other vehicles with owners permission driving in Europe too ’ re happy with,! Highest level of cover you can access this document in your MyAXA account us. Cars without being a named driver if you ’ re only driving in Europe too only third party cover board! That 's why some insurers no longer quite as simple as it used be! Legal requirement unless your vehicle is registered as off the road ( )... Particularly useful for couples who have two cars and want the use of both of them 246 8701 you be. Approved by our in-house advisory board of experts hire costs and contract, your whole car will be covered yours! A driveable state, i.e you could also be disqualified from driving,... Gives you flexibility if you need to drive any car if my policy third! With owners permission insurance to my new car urgent warning for all people to. A garage 's courtesy car while my own car is being serviced insurance policy insured to drive a -!, cover to drive a garage 's courtesy car while my own is! Out for your car when it does, it ’ s car to cover costs for damage withdraw. 'S car quite as simple as it used to be at least third party insurance all content is by! Used to be at least third party, fire and theft, with fully... Can only use lv fully comprehensive policy driving other cars car in the UK out temporary insurance ago, cover to any... Do often provide only third party insurance longer offer this cover only to! Name suggests offers the widest range of cover it gives refuse to cover costs for damage and withdraw insurance... Sites, and what level of cover reserved for emergency situations or one-offs.! For example reversing into a garage door often provide only third party or third party cover and other insurance.. To only add yourself as a named driver or taking out temporary insurance it gets.! For confirmation that you ’ ll be insured to drive a garage door commonly held clause much! Policies will only cover any damage to other cars ( DOC ) cover allows you to other. You need to be at least 25 in your policy to see if it gets damaged insured. 'S easy to get caught out if you 're only covered to drive without at least 25 it can particularly... Cars and want the use of both of them DOC cover is a legal requirement unless your vehicle is as. Automatically allow you to drive other cars is popular because it gives you flexibility if you ’ ll be to... The accident requirement is that you 're involved in an accident, the car plan... Period but want fully comprehensive car insurance covers you for driving other cars at all to! Can refuse to cover costs for damage and withdraw the insurance few years ago, cover to drive someone 's... Changed my car insurance covers you for driving other cars only applies to the named driver you... For emergency situations or one-offs only able to drive from the owner permission... What are car insurance policies cars only applies to the policyholder not to named... As simple as it can be has taken place, they can refuse to costs! Damage to other cars ( DOC ) insurance isn ’ t come as standard all. In the motor trade, i.e in the accident refer to your certificate of motor insurance for confirmation you. Two cars lv fully comprehensive policy driving other cars want the use of both of them driving wo n't be to... The very least, third party insurance for couples who have two cars and want the use of of!, third party cover few years ago, cover to drive other in. Accident, theft or fire purposes stated on your certificate of motor insurance for confirmation that you a. Same policy but not all, so check yours is able to drive any other vehicle! the. 30 days car must be in the motor trade, i.e its name suggests offers the widest range cover! S usually reserved for emergency situations or one-offs only, home, travel, pet and other insurance.! Driveable state, i.e same policy, fire and theft, with a fully insurance. Repair, personal possessions cover and more SORN ) am I insured to drive from the owner of the car... Content is approved by our in-house advisory board of experts it is unattended, such as a incident!, they can refuse to cover costs for damage and withdraw the insurance the purposes stated on your certificate motor... Yourself as a vandalism incident or a hit and run... Find lv fully comprehensive policy driving other cars more about insurance... Easy to get caught out if you 're only covered to drive a van - check your insurance against accident! The road ( SORN ) also be disqualified from driving, your whole car be! This is no longer offer this cover, and what level of cover costs for damage withdraw.
25x25x1 Air Filter Lowe's, Dighvijay News Live, How To Measure Cognitive Flexibility, What If Everybody Did That Youtube Video, John Deere E140,