2007-01-08 01:48:30 · 20 answers · asked by SIMON H 1 in Cars & Transportation ➔ Insurance & Registration
no, unless you have your own, other policy
2007-01-08 01:50:59 · answer #1 · answered by rykkers 3 · 0⤊ 0⤋
No; you are basically 'attached' to someone's insurance which covers you driving their car only. So if (say) your mother's insurance has you as a named driver to drive her car, that policy will not cover you driving your mate Mick-from-over-the-road's car. Mick should have his own fully comprehensive insurance (as opposed to third party, fire and theft only), and - depending on the terms of his policy, ~may~ give you permission to drive his car. But in that event, you would be driving under third party rules; if you have a crash, and someone else's car is damaged and they are injured, his policy will only pay for the damage to their car and their injury as he was not driving the vehicle. It would not then pay for damage to his car and to you if you were injured. You would have to claim from the other driver; awkward if they can show it was your driving that caused the accident.
It's a very grey area. Basically, the simplest thing to do is to take out your own insurance policy to drive your (mother's?) car. In that way, you start accruing No Claims Bonus straight away, which - when you come to insuring your own car - will stand you in good stead and reduce the cost of your insurance.
2007-01-08 02:10:13 · answer #2 · answered by musicalj2 5 · 0⤊ 0⤋
If over 25 then yes it insures you to drive another car but if theres an accident the car is only covered for third party only and the other car would not be covered, but check the policy details
2007-01-08 02:02:55 · answer #3 · answered by Jazz Mc 4 · 0⤊ 1⤋
Insurance follows vehicles. You are an insured under whatever policy insures your vehicle. If you drive someone else's vehicle you may be considered an insured under that vehicle's policy depending on the circumstances. Your auto policy covers you for accidents you have when driving the vehicle you insure with them.
2007-01-08 13:13:44 · answer #4 · answered by Chris 5 · 0⤊ 0⤋
No. You need to have your own Fully Comprehensive Insurance policy in your name/on your own vehicle......that cover would normally then include 3rd party insurance to cover you to drive another vehicle.
2007-01-08 03:40:55 · answer #5 · answered by lizziebeth 2 · 0⤊ 0⤋
You are only insured regarding the vehicles named in the owners policy via his / her specifications. It will tell you on the insurance paper that each driver is required to carry in most states, due to necessary libility coverage, what vehichiles the owner has that you are covered to drive.
2007-01-08 02:27:13 · answer #6 · answered by Anonymous · 0⤊ 1⤋
No, usually you are only insured for that particular car, but it depends on the policy.
2007-01-08 01:52:58 · answer #7 · answered by blondie 6 · 0⤊ 0⤋
No, I believe you have to have your own policy, fully comp in order to be able to drive other cars under 3rd party cover.
2007-01-08 01:58:28 · answer #8 · answered by Anonymous · 0⤊ 0⤋
i think of you will conflict because of the fact the coverage may well be approximately that lots for a 17 3 hundred and sixty 5 days previous. All i will propose is ask around human beings you comprehend and notice if anybody has a automobile they are removing for a pair of hundred quid and use something for coverage. you will possibly have the desire to make helpful it became a low coverage team however.
2016-10-30 08:16:18 · answer #9 · answered by ? 4 · 0⤊ 0⤋
Often you will be third party, but it depends on who you have cover with. Always check your policy wording carefully, or you could be prosecuted. Police do not accept "thought i was" as an excuse for not being insured
2007-01-08 02:00:09 · answer #10 · answered by richard n 2 · 0⤊ 1⤋
depends on the insurance firm + you usually need to be over 25
2007-01-08 01:50:51 · answer #11 · answered by tickTickTICK 3 · 0⤊ 0⤋