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