Driving of other cars* is an optional cover and additional charges may apply. 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. 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. Some restrictions apply, check your MotorCare policy booklet for details. 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 car insurance policy needs to be a fully comprehensive one. 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. where you often drive other cars. Before driving someone else's car, you must have the owner's permission and their car must have valid insurance already. It's easy to get caught out if you're a parent insuring a car for a child. © 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 also add other drivers to your policy, known as 'named … 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. Your occupation cannot be in the motor trade, i.e. The insurance will only cover any damage to other cars in the accident. 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. DOC allows you to drive another person’s car, with the owner’s permission and be covered by your own insurance policy. 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. Unfortunately, it's not that straightforward. 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 … Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Fully comprehensive car insurance is the highest level of cover you can take out for your car. Am I entitled to a courtesy car? 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. ... For all your car, home, travel, pet and other insurance enquiries. 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. You can only use the car in the UK for the purposes stated on your certificate. 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. So, what are car insurance groups and how could they affect your insurance? This includes damage caused to your car when it is unattended, such as a vandalism incident or a hit and run. It doesn’t come as standard on all policies. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. This is because young drivers are considered by most Even when it does, it’s usually reserved for emergency situations or one-offs only. 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. 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. 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. 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. 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. An urgent warning for all people insured to drive a van - check your insurance covers you to drive any other vehicle!. For all life insurance, investments retirement support. Who can have the driving other cars extension? 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. Learn more about cookies. This cover only applies to the policyholder not to the named drivers. This article contains links to other sites, and we're not responsible for the contents of any of these websites. 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. Answer. 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’s car and it is stolen, an insurer will not pay compensation – similarly if you write it off. This is especially handy in case your car breaks down and you need to … Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. Am I insured to drive a garage's courtesy car while my own car is being serviced? 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. 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. Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. It’s a common misconception that comprehensive car insurance covers you for driving other people’s cars. The 'driving other cars' extension was once an … Typically, this gave you third-party cover to drive cars … Driving Other Cars is popular because it gives you flexibility if you need to drive someone else’s car. The driving other cars, or DOC, extension is a benefit included in some car insurance policies. 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. ... the entitlement to drive other cars is … 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. Fully comprehensive insurance is exactly the same as comprehensive insurance and is just another name for same level of cover. 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. 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. 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. She, as the named driver, is able to drive other vehicles with owners permission. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. This typically covers you for up to 30 days. 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. 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 comprehensive car insurance? 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. 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 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. 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 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. 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. 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