One of the most common questions new and returning drivers ask is whether their car insurance also covers driving someone else’s vehicle. The honest answer is: sometimes, but far less often than people assume. This short guide clears up the confusion.
The old assumption
Many drivers remember a time when a comprehensive policy automatically included third party cover to drive other cars. This feature, known as driving other cars cover, has become much rarer and should never be assumed.
How to check
Look in your certificate of insurance and policy documents for a section about driving other vehicles. If it is included, it will usually be third party only, meaning damage to the borrowed car itself would not be covered. It also normally requires the other car to be insured by its owner and for you to have their permission.
The safer options
- Ask the car’s owner to add you as a named driver on their policy.
- Consider short-term or temporary cover for a one-off trip.
The bottom line
Never drive another person’s car on the basis of a guess. Driving uninsured is a serious offence that can mean a fine, points and a seized vehicle. Take two minutes to check your documents, and if in doubt, arrange proper cover first.