Comprehensive cover can i drive any car

Alternatives to driving other cars cover. Find out more. Short-term car insurance Useful if you only need to drive another car for a short period of time, from hours to days.

A separate policy If you drive another car regularly, insure it separately with you as the driver. DOC and its impact on telematics Telematics insurance bases your premiums on how well you drive. Frequently asked questions. Can I drive my partners car? Car insurance guides. This could cost thousands, depending on how severe the damage is. These would stay on your record for five years.

The punishment could be more severe if you already have convictions on your licence. First, you could be added as a named driver to an insurance policy. They will have the same level of cover as the main policyholder and means they are completely covered should any incidents occur. The named user should never be the person who uses the vehicle most regularly.

This is known as fronting and is illegal. Second, you could take out temporary car insurance. If you have DOC cover, you should also check every time you renew your policy. Sometimes insurers change the details of policies on renewal, and that cover might have been removed. Insurance companies see car insurance as a two-part risk that includes both the car and the driver.

There are a few exceptions to this rule. Remember that driving without insurance is a serious offence. But other policies stipulate you can only drive other cars if they are validly insured.

You need to check your policy. If you specifically want a car insurance to drive any car you may be able to find a policy that offers it. However, some people will have problems arranging DOC insurance:. A frequent exclusion from DOC cover is partners or family members living at the same address. See a range of car insurance quotes in just a few minutes when you compare with Uswitch.

Many people assume that their own comprehensive car insurance policy allows them to drive another vehicle. Or if you're permitted to drive other cars on your insurance, it will only be third-party cover and may only be for social, domestic and pleasure purposes. If you have a comprehensive insurance policy on your own car, you may have driving other cars DOC cover included. In the past, driving other cars cover was a fairly standard addition to comprehensive policies, but fewer insurers now offer it as it was always only intended to be used for emergency situations.

The car you want to drive must be covered by an existing insurance policy, and you must have permission to drive it. Although driving other cars cover does allow you to drive another already insured vehicle, most policies will only cover you to drive other cars with third party only TPO cover, rather than the fully comprehensive cover you get on your own car. Third party car insurance is the minimum cover you legally need to drive.

There are two types of third party; third party only or third party fire and theft. In the event of an accident, your insurer will pay for any damage or injuries to third parties, their vehicles or property.

But will not pay for repairs or replacement of the car you were driving. So if you're driving a friend's car and get into an accident, you could be liable for any repair bills to their vehicle as this won't be covered by your insurance. This level of cover will likely cover injuries caused to any third parties, including your passengers, but not to yourself. The devil is in the detail so always check the policy wording.