If you are fully comp, does that mean you are allowed to drive anyone's car? If so, could I get insured on a crap car for cheap at fully comp and then drive my parents BMW and still be covered if I crashed it?
2007-02-11 11:00:46 · 20 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Read the small print on your insurance policy. It will only be covered "3rd party only" IF it allows you to drive any other car.
2007-02-11 11:05:49 · answer #1 · answered by Anonymous · 1⤊ 0⤋
Hello,
it sounds to good to be true doesn't it, and it is! with your fully comprehensive insurance policy, you will get only third party cover for most other cars, NOT ALL CARS, they don't want you charging around all over the place in a Ferrari or a Lambourghini, or even your parents Beamer do they, so be careful, you could end up in an aweful financial mess. ALWAYS inform your insurance company, and remember they tell you that you may drive anoher car with the owners consent, so make sure the other cars owner has fully comprehensive insurance too. I hope this helps you out...............Tony M
2007-02-11 21:04:18 · answer #2 · answered by tony m 4 · 0⤊ 0⤋
You should not get confused by the term comprehensive.
That means the car is additionally insured for fire and theft.
But this has nothing to do with being covered to drive any other car.
Comprehensive Regards
Johnnie
2014-08-26 01:42:00 · answer #3 · answered by Anonymous · 0⤊ 0⤋
most fully comprehensive car insurance will cover you for third party only on another car and that must also be insured.it must state on your policy though that you can drive another car as not all insurance companies do it,so before you take a policy out ask them first if you can drive another vehicle.you may be better off going as a name driver on your parents policy as then if you do damage their car it will be covered fully comp and not just third party.
2007-02-11 11:17:07 · answer #4 · answered by lou 2 · 1⤊ 0⤋
NO. Insurance follows the CAR, not the driver. The only way your policy would extend to your parents Bimmer would be if it had no coverage at all. Then your policy would take effect -- providing your company didn't discover you were a regular driver of said car and comitted fraud with your little game. Then that 2007 Benz you just slammed into and injuried three passengers would NOT be covered at all.
P.S. -- comprehensive coverage (in the U.S.) is just a small segment of an insurance policy and only covers theft, fire, flood, etc.
2007-02-11 14:26:28 · answer #5 · answered by Anonymous · 0⤊ 1⤋
When you have fully comprehensive insurance on your car, you normally get third party insurance on most other vehicles you drive.
This means, when you smash your parents car, whatever you hit is covered by insurance but you, and Dad's car, aren't.
2007-02-11 11:06:37 · answer #6 · answered by Anonymous · 2⤊ 1⤋
If you are fully comprehensive you are only insured third party for driving any other car. That means if you cause an accident your insurance company will only pay for damage to any other vehicle but not your vehicle.
2007-02-11 11:12:49 · answer #7 · answered by big mama 1 · 1⤊ 1⤋
No, Comprehensive means the car that is insured for fire, and theft coverage less the deductible. This has nothing to do with you being covered to drive any other car.
2007-02-15 03:44:51 · answer #8 · answered by Kat G 6 · 0⤊ 0⤋
generally you would only be covered third party insurance whilst driving their car, the comprehensive part of your insurance would only be valid for the car that is insured. But you can drive any car - wish their permission.
2007-02-11 11:08:39 · answer #9 · answered by Kanst 3 · 0⤊ 0⤋
It depends on your policy and if the car that you are driving is insured. I'm not sure but i think you are only covered for third party if it isnt your car.
2007-02-11 11:06:20 · answer #10 · answered by stacie_yst 3 · 2⤊ 0⤋