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. You can also claim if you have accidentally damaged your car, for example reversing into a garage door. But is this the case? It used to be the case that cover for driving other cars (DOC) was included by most insurers on comprehensive car insurance policies. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. I've been in a car accident and have hire car cover, what can I expect? Are additional drivers on my car insurance policy insured to drive other cars? 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 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. Driving of other cars* is an optional cover and additional charges may apply. Fully comprehensive insurance is exactly the same as comprehensive insurance and is just another name for same level of cover. 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. Many comprehensive car insurance policies don't automatically allow you to drive other cars at all. There are two other types of insurance you can choose: third-party fire and theft (TPF&T) and third-party only (TPO). Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. And those that do will often offer just third party cover. This can be particularly useful for couples who have two cars and want the use of both of them. Comprehensive car insurance like its name suggests offers the widest range of cover. 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. Car insurance is a legal requirement unless your vehicle is registered as off the road (SORN). It's easy to get caught out if you're a parent insuring a car for a child. Money. It also needs to state on your certificate of motor insurance that you have the DOC extension. 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. Answer. If the case goes to court, you could also be disqualified from driving. 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.’ If you plan to drive the same car several times throughout the year, consider adding yourself to the insurance policy as a named driver. Fully comprehensive car insurance is the highest level of cover you can take out for your car. These are usually included in your car hire costs and contract. A fully comprehensive policy gives you peace of mind that you, your car and any others involved will be covered in the event of an 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. 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. It's illegal to drive without at least third party insurance. I have an LV= car insurance policy. Comprehensive insurance and driving other cars. Am I entitled to a courtesy car? So, if you have a fully comprehensive policy, you will get comprehensive cover when you drive in Europe too. Comprehensive car insurance, also known as ‘fully comp’, is the top level of (non-business) insurance you can get for your car. 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. And those that do often provide only third party cover. 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. There are two ways to do this. 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. Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. It's different to third party insurance, which only covers the damage you do to other vehicles and people. ... For all your car, home, travel, pet and other insurance enquiries. Comprehensive insurance and driving other cars. 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 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. 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 … I've changed my car, how do I transfer my existing car insurance to my new car? In an accident, a third party policy covers the other person's car and property but not your own, while fire and theft protects your car if it's stolen or damaged by fire. Life, Investments & Pensions. Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. 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. 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. Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. DOC cover is cover for driving other cars (DOC). 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. Learn more about cookies. 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. Legal. In the past, most comprehensive car insurance policies included driving other cars (DOC), giving drivers third party policy protection when driving other people's cars with their permission. Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. 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. 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. Learn more about cookies. If you’re only driving in Europe for a short period but want fully comprehensive cover, you could get temporary car insurance. The most common requirement is that you need to be at least 25. We use cookies to make sure your experience is as good as it can be. It's an easy assumption to make. 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 entitlement to drive other cars is … Or at the very least, third party cover. 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. Before driving someone else's car, you must have the owner's permission and their car must have valid insurance already. In a nutshell, comprehensive cover pays out if you damage your car, someone else's car or injure someone in an accident, regardless of who is at fault. Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. The insurance will only cover any damage to other cars in the accident. 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. What is driving other cars? Always check the small print in your policy to see if it includes DOC cover, and what level of cover it gives. Comprehensive car insurance also covers you against fire and theft. 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. 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. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. If someone else pretends to be the main driver, but you drive the car most often, this is called fronting and is not allowed. where you often drive other cars. There are two other types of insurance you can choose: third-party fire and theft (TPF&T) and third-party only (TPO). A few years ago, cover to drive other cars was a standard feature of most comprehensive car insurance policies. If an insurer suspects fronting has taken place, they can refuse to cover costs for damage and withdraw the insurance. You’ll need to check the terms and conditions of your comprehensive car insurance to see if … 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. 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 – … Please be aware that you're only covered to drive other cars in the UK. 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. Don’t assume that just because you have comprehensive car insurance that you’ll be insured to drive other cars. Your car must be in a driveable state, i.e. This article contains links to other sites, and we're not responsible for the contents of any of these websites. 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. 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. 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. She, as the named driver, is able to drive other vehicles with owners permission. If you’re happy with that, just continue using the site. This cover only applies to the policyholder not to the named drivers. 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. currently I am a named driver on my wife's comprehensive policy. What is comprehensive car insurance? However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim. Driving Other Cars is popular because it gives you flexibility if you need to drive someone else’s car. With Admiral, this means the temporary cover you have can be fully comprehensive even if your existing policy is third party, fire and theft. However, you must be careful to only add yourself as a named driver if you are not the main driver. That's why some insurers no longer offer this cover. Who can have the driving other cars extension? Comprehensive car insurance is the highest level of cover you can buy from us. You can also add other drivers to your policy, known as 'named … 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.’ All content is approved by our in-house advisory board of experts. 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. 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. An urgent warning for all people insured to drive a van - check your insurance covers you to drive any other vehicle!. 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. 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. fire) damage and theft, with a fully comprehensive policy, your whole car will be covered. Even if the car you plan to drive is insured, you also need to be insured to drive it. This is because young drivers are considered by most 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. Not everyone with fully comp cover is eligible for this extension on their policy. Answer. 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. Please be aware that you're only covered to drive other cars in the UK. Third party, fire and theft insurance covers you for damage to other vehicles and people, plus it covers your own vehicle … 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. 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 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. Make a complaint. Can I drive any car if my policy is third party or third party, fire and theft? 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. It is also worth noting that named drivers on a policy have the same facility as the policyholder, so if you have comprehensive insurance cover as the main driver, then any named drivers will also have fully comp insurance and if you are allowed to drive other cars… 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. View all benefits. But you will need permission to drive from the owner of the other car. 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 … But you will need permission to drive from the owner of the other car. We use cookies to make sure your experience is as good as it can be. Leave us feedback. If you choose a comprehensive or a third party fire and theft policy, you may be covered to drive another person’s car (with their permission) on a third party only basis. 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. For all life insurance, investments retirement support. Insurance to drive other cars (DOC) cover used to be a standard feature of comprehensive insurance policies, but it’s rare these days. Some restrictions apply, check your MotorCare policy booklet for details. 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. Not everyone with fully comp cover is eligible for this extension on their 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. 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. What is a named driver? It doesn’t come as standard on all policies. 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. 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. This essentially works like fully comprehensive cover. Even when it does, it’s usually reserved for emergency situations or one-offs only. 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. If it does not include this wording, or has alternative wording to advise you that it is not in place, you are not covered to driver other cars. Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Are you insured if you borrow someone else's car? It’s a common misconception that comprehensive car insurance covers you for driving other people’s cars. 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. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. The 'driving other cars' extension was once an … 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. The driving other cars, or DOC, extension is a benefit included in some car insurance policies. £19.90 Receive a lump sum payout of £100,000 for a serious injury (our standard comprehensive policy … 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. This meant it was legal to drive another car without being a named driver, but that you could be liable for the full cost of any damage to the vehicle. Your occupation cannot be in the motor trade, i.e. Comprehensive car insurance, also known as ‘fully comp’, is the top level of (non-business) insurance you can get for your car. Am I insured to drive a garage's courtesy car while my own car is being serviced? Menu ... Find out more about car insurance and driving other cars. 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. 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. What does fully comprehensive car insurance 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. You can only use the car in the UK for the purposes stated on your certificate. 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. This typically covers you for up to 30 days. 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. Section 2: Comprehensive 11 and Comprehensive Plus Cover options 15 Section 3: Motor Legal Cover 15 Section 4: Guaranteed Hire Car Plus 19 Section 5: Protected No Claim 21 Discount (NCD) Where you can drive 22 Losses we don’t cover 23 Other conditions you need to know about 25 How the policy works 26 Everything else 30 Glossary 31 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. Will the cars be insured on the same policy. If you’re happy with that, just continue using the site. 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. This is especially handy in case your car breaks down and you need to … If you borrow a friend’s car and it is stolen, an insurer will not pay compensation – similarly if you write it off. There are several ways to make sure you have the right level of insurance when driving someone else's car. Your car insurance policy needs to be a fully comprehensive one. 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. This includes damage caused to your car when it is unattended, such as a vandalism incident or a hit and run. If I hire a car whilst my car is being repaired, using my own garage, will I be covered under my car insurance? 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. 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 includes a guaranteed hire car, seven-day car repair, personal possessions cover and more. 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. The extension to drive other cars only applies to the policyholder and NOT named drivers. 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. So, what are car insurance groups and how could they affect your insurance? 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. 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. 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. If you have a policy with us that already includes the benefit of driving other cars, this extra benefit increases the cover from third party only to also include cover for any damage to the vehicle you are driving. If you have a comprehensive policy on your own car, you may have driving other cars (DOC) cover included. Please refer to your Certificate of Motor Insurance for confirmation that you have this cover, or call us on 0345 246 8701. 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. 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. DOC allows you to drive another person’s car, with the owner’s permission and be covered by your own insurance policy. Unfortunately, it's not that straightforward. Compare companies that offer comprehensive car insurance. You can access this document in your MyAXA account . not written off. However, where most policies will only cover certain personal items like mobile phones or sat nav systems against accidental (e.g. “If you borrow a friend or family member’s car under the assumption your insurance allows you to drive any other … LV= multi-car cover provides a discount to customers looking to insure more than one vehicle on the same policy. Fully comp cover insures against any accident that you may have, whether it’s your fault or not. 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. “Driving other cars” cover meets only third-party liability. The other car must have insurance already. 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. 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. 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. Driving of other cars* is … © 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. According to Confused.com, this is no longer quite as simple as it used to be. Typically, this gave you third-party cover to drive cars … 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. 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