Every car needs it own insurance policy, so you can't insure yourself to drive any car. If you have DOC on your policy, you might be able to drive someone else's car in an emergency. But this doesn't entitle you to drive any car.
Remember that it's not the car that's insured – it's the driver. So while the owner of the car may have an insurance policy for the vehicle, each driver needs to have their own insurance (either via driving other cars cover or a temporary policy), or be specifically named on the policyholder's insurance policy.
Can I drive a car if my name is not on the insurance?
It might be an emergency or you may have permission from the car owner, but that doesn't mean it's legal. Unless you're a 'named driver' on their car insurance, you almost certainly won't be insured. And both the driver and car owner can run into trouble if caught without the necessary cover.
What must you check before you drive someone else's vehicle?
Explanation: Driving a vehicle without insurance cover is illegal, so be sure that, whoever's car you drive, you're insured - whether on their policy or on your own. If you need to take out insurance, it's worth comparing several quotes before you decide which insurance provider best meets your needs.
Can I drive someone else's car abroad? Yes, as long as you have a valid driving licence and, if necessary, an International Driving Permit. Check your insurance carefully to see if you're covered to drive someone else's car abroad, including any restrictions on driving abroad.
Can Someone Who Is Not On My Insurance Drive My Car?
Can I drive my dads car in France?
Generally in France, it is the car that is insured with the details of the main driver. Anyone can then drive the car and will benefit from the same insurance as the policy holder. With many companies, if the driver has held a full licence for less than three, years then the excess is different.
Can I drive someone else's car abroad? Yes, as long as you have a valid driving licence and, if necessary, an International Driving Permit. Check your insurance carefully to see if you're covered to drive someone else's car abroad, including any restrictions on driving abroad.
What happens if someone else is driving my car and gets in an accident?
If you permit another driver to use your vehicle, and a car accident occurs, you have to file a claim with your own insurance company. Your policy covers the majority of medical bills, property damages, and other expenses.
It is a legal requirement that you are insured to drive your new car at any time, even just to bring it home. If your new vehicle isn't properly insured when you want to drive it away, you could find yourself facing unlimited fines, points on your license and even having your car confiscated.
In some cases your own motor insurance policy may cover you for driving another person's vehicle (providing they also have insurance). This is normally called Driving Other Cars or DOC cover.
Can I add someone to my car insurance that doesn t live with me?
If someone asks you whether they can be added, you might wonder whether or not they need to live at your address. The answer here is no, it's perfectly possible to add a named driver who lives at a different address to you.
Most cars with an engine bigger than 1.4 Litres should be struck off your list of cars due to incredibly high insurance costs for a first driver, especially if you are 17 or 18 and getting your first car.
This will usually involve them interviewing both the main driver and the named drivers on the policy. They may also refer to motoring databases and look at CCTV footage for proof of fronting.
Can you drive someone else's car with a provisional?
This includes your car if you have one, though you can ONLY drive it when you have a supervisor present. Check that any car you plan on driving is roadworthy and fully insured. If you're borrowing someone else's car, you must have the owner's permission to drive first.
But more experienced drivers tend to have more natural caution and experience. According to our data, having 1 extra driver on your policy costs £560, on average. And adding 4 extra drivers costs £996, on average*.
Can the main driver be different to the policyholder?
The main driver (or vehicle policyholder) is the person who drives the vehicle most often and earns no claims discount. They do not need to be the principle policyholder but they must live at the same address as them.
By insuring multiple cars under one policy, many insurers offer discounts, which can lead to cost savings compared with taking out individual policies for each vehicle.
It is technically illegal to drive a vehicle on a public road without road tax. However, there are a few exceptions to this rule. If you are taking your car to a pre-booked MOT test, you are allowed to drive without road tax, as you cannot tax a car without first obtaining a valid MOT certificate.
Can someone drive my car if they are not on my insurance UK?
The same rules apply if someone else wants to drive your car. To be covered, they will either need to have DOC cover, be added to your own insurance policy as a named driver or take out a temporary policy.
What happens if someone who isn t on your insurance crashes your car UK?
You should contact your insurance company who will make the necessary enquiries in the first instance. Once the enquiries have been completed and they are satisfied that the person does not have insurance, they may advise you to report the matter to the police who may be able to trace the other person.
Usually car insurance covers the car, not the specific driver. Thus as long as the owner carries coverage on the vehicle, anyone driving it is also covered. Of course you should confirm with the owner and her insurance company.
Generally in France, it is the car that is insured with the details of the main driver. Anyone can then drive the car and will benefit from the same insurance as the policy holder. With many companies, if the driver has held a full licence for less than three, years then the excess is different.
If the owners carry insurance, you drive with their permission, and you are not specifically excluded from their policy, then you are covered by their insurance. If you have any insurance of your own, that, too, will respond to an accident. But if you have no insurance of your own, then their insurance will apply.
