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[1] Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply

Comprehensive insurance and driving other cars

Driving other cars (DOC) cover used to be a standard feature of comprehensive insurance policies, but it’s rare these days.

You’ll need to check the terms and conditions of your comprehensive car insurance to see if you’ve got DOC cover and what that includes.

It’s cover that protects you during an emergency, but it's not a replacement for standard or short-term car insurance.

Check any emails and letters you've had about your insurance to make sure the terms haven’t changed. You might not be covered anymore.

DOC is usually not an option on third-party policies.

93% of comprehensive car insurance policies on Defaqto don’t offer cover to drive other cars - only 13 offer it as standard. Those 13 policies had limits and exclusions, which all differed.[2]

Make sure you compare and check policy details to find the right cover

Reasons you won’t have cover to drive other cars

Insurers use many factors to decide if you’re a high-risk driver. It’s unlikely you’ll be able to get cover to drive someone else’s car if:

  1. You’re under 25

    Some insurers won’t provide DOC cover to drivers that are in a high-risk age group, such as under 25-year olds

  2. You have a ‘high-risk’ job

    A few policies exclude certain occupations from having cover to drive other cars. Don’t assume that because you’re a professional driver that you’ll be covered

  3. You want to drive a powerful car

    If you normally drive a Vauxhall Astra but want to borrow your friends Lamborghini, your insurer is unlikely to cover you. 

Policy wording and exclusions to look out for

Car insurance is either tied to you as the driver or linked to the car, so make sure you know which policy you’ve got.

If your insurance is tied to you, that doesn’t mean you’re automatically able to drive any other car.

For example, if the other car belongs to your partner, you might not be covered to drive it even if you’re listed as a named driver on their policy.

You also can’t just jump into another car if the original vehicle that you insured is scrapped, even if you did have a policy that included DOC.

Don’t let your insurance auto-renew without checking the new policy details. The cover may have been removed.

It’s also essential that you get the car owners permission to borrow their car.

51% of customers
could save up to £240on car insurance with GoCompare[3]

See if you could save

The consequences of driving without the right insurance

It’s illegal to drive a vehicle without proper insurance.

If the car’s insured, but you don’t adequate cover for you to drive it, you’ll be charged with an IN10 motoring offence for being uninsured to drive the vehicle. You’ll get:

1) Six to eight points on your licence

2) A fixed penalty of £300

If your case goes to court and you’re found guilty, you’d get an unlimited fine and be disqualified from driving.

It’s the registered keeper who’ll be held accountable for damage and personal injury claims if an uninsured driver causes an accident in their vehicle.

The police have the power to seize and destroy uninsured vehicles, and you must declare the offence on any future vehicle insurance applications for at least five years.

It’ll be more expensive to buy insurance, and the pool of insurers willing to cover you will be a lot smaller.

Alternatives to driving other cars cover

Named driver

You can be listed as a named driver on the car owner’s own insurance policy.

Short-term car insurance

Useful if you only need to borrow the other car for a day or so.

A separate policy

If you drive another car regularly, insure it separately with you as the driver.

Don’t get caught out with the wrong cover - over 3,000 vehicles were seized between July 2016 and June 2018 due to drivers mistakenly believing they were covered to drive other people’s cars without the correct cover

According to The Motor Insurers’ Bureau (MIB)

DOC and its impact on telematics

Telematics insurance bases your premiums on how well you drive.

It’s a box in the car, and it can’t tell who’s behind the wheel. Anyone who drives the car will be contributing to the data.

Whether the other driver is extremely sensible or careless behind the wheel, it'll be recorded, analysed, and reflected in your insurance premiums.

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[1]Up to £250 refunded after claim settled. Car insurance purchases only. Excludes breakdown, windscreen and glass repair/replacement. Full T&Cs apply.

[2]Last checked 27 August 2019

[3]Price savings are based on independent research by Consumer Intelligence, conducted between 1 August to 31 August 2019:
It compared 28 insurers from our panel and found 51% could save up to £240.04 with us on their car insurance

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