It's different to third party insurance, which only covers the damage you do to other vehicles and people. 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 car must be in a driveable state, i.e. 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. However, where most policies will only cover certain personal items like mobile phones or sat nav systems against accidental (e.g. What is a named driver? Always check the small print in your policy to see if it includes DOC cover, and what level of cover it gives. Driving of other cars* is … 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. 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. 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. I've been in a car accident and have hire car cover, what can I expect? 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. If the case goes to court, you could also be disqualified from driving. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. 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 borrow a friend or family member’s car under the assumption your insurance allows you to drive any other … Menu ... Find out more about car insurance and driving other cars. There are two ways to do this. Answer. 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. 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. Answer. 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. But is this the case? We use cookies to make sure your experience is as good as it can be. Comprehensive car insurance, also known as ‘fully comp’, is the top level of (non-business) insurance you can get for your car. 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 – … Will the cars be insured on the same policy. Can I drive any car if my policy is third party or third party, fire and theft? Comprehensive insurance and driving other cars. 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. 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. If you’re happy with that, just continue using the site. What is driving other cars? What is comprehensive car insurance? Compare companies that offer comprehensive car insurance. 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. Legal. If you’re only driving in Europe for a short period but want fully comprehensive cover, you could get temporary car insurance. And those that do often provide only third party cover. ... the entitlement to drive other cars is … 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. Some restrictions apply, check your MotorCare policy booklet for details. 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. 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