car insurance?

Question

if you are insured on your car, can you drive another persons car under your insurance? i'm having an arguement with the mrs over this.

Answer 1

most insurance do provide the driving other cars extension as long as you are over 25 and haven't had any claims or convictions in a certain time period. Check with your current insurance company as to whether or not you can do this. the only provisos usually are that the car has to have insurance anyway and you have to have the owners permission.

The other problem with this is that most companies will only cover you third party

Answer 2

It depends on your own policy. Most fully comprehensive policies will allow you to drive other cars apart from your own, but only to a 3rd party level (not even fire & theft).

You can sometimes arrange to have more extensive cover. However, this can be very expensive.

If you need to drive another car temporarily, then it's probably cheaper to get the owner of it to add you as a named driver on their own insurance. Most companies will add a named driver either for a flat fee if it's a fully comp' policy or for an additional premium, particularly if the driver to be insured is not very experienced.

Answer 3

Generally yes (see caveat at end).

Normally her insurance would cover the car when you drive.. after that your insurance would step up if hers ran out or was not effective for some reason

BUT...

Policies vary from company to company and coverages vary from policy to policy. The only way to end the arguement is to call your agent (assuming that you are covered by the same insurance company).

Then buy her a rose.. arguements llike those.. even if you win you can lose.

.

Answer 4

HI I too have had this disput with the other half. I rang up my insurer and asked them

You can drive another car on your insurance if you are insured FULLY COMP.

When driving the other car you are only covered third party so if ya crash your ballzed

Answer 5

look on your certificate of insurance it will state clearly there if you have driving other cars extension. all policies can have it from tp up to comp cover and insurer are not trying to phase it out as some people will only take cover with this extension

Answer 6

Insurance policies vary. It depends totally on what the insurance certificate and policy say. Usually if you are fully comp. you can, but only on a third party basis.

Answer 7

with some policies you can, others you cant.

all insurances are phasing this rule out so you will soon need to be a named driver to drive a car.

Answer 8

Most insurance policies will allow you to drive any car that you dont own, but you'll only have 3rd party cover.

Answer 9

id check your insurance small print first if you have fully comprehensive insurance then yes but your only covered for damage to the other persons car. not the owners

Answer 10

Check if it says it on your insurance certificate, on mine it says "not entitled to drive another vehicle" or something like that. If you are not sure after looking at your certificate find from your insurance to know the definite answer