If I have fully comprehensive car insurance can I drive any car?

If I have fully comprehensive car insurance can I drive any car?
If I have fully comprehensive car insurance can I drive any car?

If I have fully comprehensive car insurance can I drive any car? You may not have the right to drive at all, unless you are listed in the policy.  Or if you are allowed to drive other cars under your insurance, it will only be third-party coverage and can only be used for social, household and entertainment purposes.  You will need to check the wording.

  No two car insurance policies are the same, so it’s best to read the fine print on your insurance certificate.  It is widely believed that comprehensive insurance includes the benefits of driving other cars (DOC), but in reality this is not the case.  You can only drive other cars if your insurance certificate specifically states that this coverage is included.

What does third party insurance cover?

  Third party insurance only covers damage to other vehicles that have been involved in an accident, and you will not receive compensation to repair damage to your own car.  Third party fire and theft insurance offers the same level of coverage as a third party, but also provides compensation if your car is involved in a fire or stolen.  Comprehensive insurance, sometimes called a “full package”, covers the cost of repairing any damage to your car, as well as other vehicles that were involved in the accident, whether it was your fault or not.

If I have fully comprehensive car insurance can I drive any car?

  In the past, most comprehensive car insurance policies included driving other cars (DOCs), which provided drivers with third-party protection when driving other people’s cars with their permission.  This meant that driving another car without a driver’s name was allowed, but you could be responsible for the full cost of any damage to the car.

What is not covered by third party insurance?

  DOC has always been intended for use in emergencies.  And although it continues, it can be used for a number of other circumstances.  But it is important to check your policy to make sure you are protected, as this is not an automatic privilege.  For example, people under the age of 25 are unlikely to receive DOC insurance.

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How does car insurance work if you borrow someone’s car?

  If you have minimum levels of coverage (third-party or third-party fire and theft insurance), it is unlikely that you will be able to drive someone else’s vehicle using your policy.  However, each insurance policy is different, so it is important to check the fine print in your policy.  This document should state whether you have the right to drive another car and the type of insurance you will have.

  Most policy providers allow you to drive other vehicles only with minimal full insurance.  But even with this form of insurance, you will not be able to drive another car.

If I have fully comprehensive car insurance can I drive any car?

  Driving insurance for other cars allows you to drive other insured cars without being named a driver and without buying temporary coverage.  The car you want to drive must be covered by a valid insurance policy and you must have a driver’s license.

  Coverage of other cars is usually only available under a comprehensive car insurance policy, so if you have third-party insurance (or third-party fire and theft insurance), you will not be allowed to drive other cars.  It is not automatically included in every comprehensive policy – so check first.

  Unfortunately, driving on other coverage cars is not available to everyone.  Insurers typically exclude DOC coverage from your insurance policy if you are under 25 because you are seen as a greater risk to insurers.  Those who have been convicted of criminal proceedings or have filed an insurance indemnity under their own policy will also not be able to receive DOC coverage.

What does fully comprehensive car insurance cost?

  The type of vehicle you have can change the price you offer for full comprehensive car insurance, as cars with smaller engines tend to cost less for insurance.  Whatever car you have, you can also potentially lower your premium by adding safety measures such as an immobilizer or park your car in a more secure place at night, such as a garage or car.

  The amount you drive can also affect what you pay for car insurance, so consider reducing your annual mileage by taking steps such as sharing an elevator.  If you are perceived as a high-risk offer – for example, if you are a new or young driver – you may want to consider a black box insurance policy (also known as telematics insurance).

How old do you have to be to get DOC?

  Drivers under the age of 25 are almost never allowed to drive other cars, and they were targeted specifically when many leading insurance providers, such as Admiral, Aviva and Hastings Direct, restricted DoC positions in their annual policies.  Not only do young drivers run the risk of mistakenly assuming that they are insured to use other cars under their full one-year insurance policy – Admiral does not guarantee that you are driving a car that belongs to your partner.

  Even insurers that include DoC provisions often do so only on the basis of a third party.  This means that any damage caused to another vehicle you use will not be covered, and the owner is stuck in repair costs and is likely to lose the discount without claim.  Although it would be unpleasant for them, you can both face much greater consequences if you are caught by the police.

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  What you need to know about fully comprehensive car insurance

·         The insurance carrier of the person borrowing the car covers only the drivers specified in the policy.

  You usually need to clearly exclude drivers from your policy so that they are not covered (in which case it would seem strange that you still lend your car to someone you exclude, but it doesn’t matter).  However, there are some insurance companies that require all drivers to be specifically named / included in the policy if they are to be covered.

  In general, your insurance will cover anyone you have given permission to drive, including family members who live with you and your children who are dependent on the school.  It is important to note that insurance companies generally expect that all family members living in your family who will drive your car on a regular basis will be specifically named and included as drivers in your policy.

·         Insurance follows the driver if the limit of coverage of the person who borrows the car is reached.

  In the event that the amount required to compensate for the collision exceeds the “limits” of your insurance policy – ie the maximum amount that the policy will pay for repairs – then the driver’s insurance policy may intervene to cover what you can “t.  Of course, this only applies in situations where the coverage limits for the driver are higher than the coverage limits of the car lender.

·         Insurance follows the driver if he drove the car without your permission.

  If it is clear that you have not given permission to someone else to drive your car, and there was a collision, the driver’s insurance will be responsible for coverage.  This, of course, will be the case if your car is stolen and a collision occurs.

·         Driver’s insurance policy must cover any injuries

  In most cases, the driver’s insurance policy must cover any injuries (on the part of the driver) or medical expenses.  However, if the passengers in the vehicle do not have their own insurance, your policy may be liable for their medical expenses and injuries.

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