Can I drive other people's cars if I'm fully comp?
No, having comprehensive cover doesn't automatically mean you can drive other cars. Some insurance providers might offer DOC cover, but often this is only third-party only cover. This means you're only covered for: Property damage.
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.
What does fully comprehensive car insurance cover?
What is comprehensive car insurance? In a nutshell, comprehensive car insurance cover – sometimes known as fully 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. Comprehensive car insurance also covers you against fire and theft.
If you haven't taken out a new insurance policy or transferred your existing insurance onto the new car, you won't be covered. The only exception might be if your current policy includes permission to drive other cars (some comprehensive policies offer this, but not all).
Does Fully Comprehensive Car Insurance Cover Driving Any Car? | Comprehensive Car Insurance
Can I insure myself to drive any car?
You'll usually need to have insurance to drive a car you don't own. Some comprehensive policies may offer cover for driving other cars in emergencies, but this is unusual. Even if it is the case, you won't have the same level of cover you do when driving your own car.
Potential savings: Many insurers offer discounts for multi-car policies, which can result in a cheaper premium than if you insured each vehicle separately. Convenience: Having all your vehicles insured under one policy means less paperwork and only one renewal date to remember, reducing the administrative hassle.
What's the difference between fully comp and comprehensive insurance?
There's no difference between comprehensive and fully comprehensive car insurance – they're different names for the same thing. This is the highest level of cover, protecting you and your vehicle, as well as other drivers and passengers.
Can I drive anyone else's car? If you're the policyholder and you're aged 25 or over, then Admiral may be able to arrange third party cover for you to drive someone else's car. However, just being over 25 doesn't guarantee you'll be able to hop into a friend's car and take it for a spin.
Technically, yes, you can—at least, as long as you're covered by insurance. If you're going to be learning regularly in their car, then you should look at getting added as a named driver on their policy. Alternatively, short-term cover might be more cost-effective.
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.
What happens if you get caught speeding in someone else's car?
If it is not clear who was driving the vehicle at the time of the speeding offence then the police will send the registered keeper of the vehicle a notice of intended prosecution and request for information under section 172 of the Road Traffic Act 1984 (usually the same document).
What insurance allows me to drive other people's cars?
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.
If a named driver has an accident, the main driver or policyholder will need to make a claim on the policy and this will affect their no claims discount. If a named driver on your policy has an accident the claim will be against your policy even if you are nowhere near the car or accident itself.
If you have comprehensive insurance, your named driver will almost always have comprehensive cover, too. Check the policy details to make sure you have the level of cover that you both need. Your named driver should also be covered for any extras you add to your policy, for example: Breakdown cover.
Is it better to have fully comprehensive car insurance?
You should expect fully comprehensive car insurance to cover most of the costs associated with an accident or damage to your car – even if it's your fault. Typically most comprehensive insurance policies cover: The full cost of repairing damage to your car following an accident (regardless of who's at fault)
What is the difference between fully comp and third party?
Third party, fire and theft insurance (TPFT) has the same basic features as third party only, but your losses will be covered in the case of a fire or theft. Comprehensive insurance includes all of these features as well as paying out for damage to your car in the case of a claim, whether or not you are at fault.
In short, the legal answer is no; you don't need fully comprehensive car insurance. You do, however, need some form of car insurance. Car insurance is a legal requirement for all motorists, but which type of policy you choose is entirely up to you.
What are the disadvantages of fully comprehensive car insurance?
Having fully comprehensive car insurance with a low-value car is a disadvantage since the replacement costs after an accident are mostly below the annual insurance fee. The second basis is when a driver drives less than the average and has low annual mileage.
Comprehensive and collision insurance are both options that you should consider adding to your policy. That's because comprehensive coverage protects your vehicle from unexpected damage like a tree branch falling or hitting an animal, while collision insurance protects against collisions with another object or vehicle.
Across the industry, car insurance prices have risen, mainly due to claims costs and rising inflation. The Association of British Insurers (ABI) reported that the current average insurance price was 15% higher in the first three months of this year compared to 2022[1].
According to the ABI, expenses including repair costs, energy costs, and paint costs are among those driving up the cost of insurance policies. The cost of used cars has also increased.
Yes, you can insure two cars under your own name. One option is to look into multi-car insurance policies, another is to take out two separate policies.
Multi-car insurance is usually simple and straightforward. It's just a type of car insurance that covers a number of vehicles, instead of just a single policy for each. As long as the cars are registered at the same address, they can be included on a multi-car insurance policy.