can i drive someone elses car third party if i have comprehensive cover for my own car?

Answer 1

yes you can. i had a similar situation when moving. i asked my agent, who said your insurance covers you reguardless of the vehicle.

Answer 2

The answer is: Maybe

If you are allowed to drive someone else's car your certificate will say.

"The policyholder may also drive a car not belonging to the policyholder and not hired to him under a hire-purchase agreement"

Whether you get this benefit depends on your age, occupation and insurance company. It does NOT depend on whether you have comprehensive or third part, fire and theft cover on your own car.

If your policy gives this benefit then third party only cover applies i.e. if there is any damage whatsoever or the car is stolen then there is no cover on it from your policy.
Please ignore all communications to the contrary.

With regard to the other car - surprisingly that car need not be the subject of an insurance policy! The Road traffic act merely states that a vehicle must not be used on a road unless there is an insurance policy in force covering that use by that driver. So if you have DOC then while you are using the vehicle there is no problem BUT it is easy to imagine non-clearcut situations - you take the car to go shopping - while you drive to the shops you are using it - while driving back home you are using it - but what about when the car is parked and you are doing the actual shopping? And when you come back home - you have stopped using it.

Answer 3

If you're testdriving a car to buy then dealers will have cover specifically for this purpose but there is a high risk that you might not be covered if you test drive a car being sold by a private vendor.

Check your own car insurance – you are looking for the words on the policy that says you 'can drive another car with the owner's permission'. This is known as DOC or Driving Other Cars cover.

Not all insurers include this so it really is important to check. Also, you should be aware that such cover is usually third party only.

The owner of the car could also extend their cover temporarily to 'any driver' so that they are covered while you drive their car.

Talk to your insurer if you are unsure. Also, for a small additional premium they may offer you comprehensive cover over a short period of time so that you can test drive cars you are thinking of buying.

Answer 4

please be careful with this as many people get charged with driving without insurance for just assuming that comprehensive cover gives them this facility.
it is not the cover that allows you to drive other peoples cars, it is a facility that your insurance company may add to your policy if you are over 25 and do not have an occupation in the motor trade or as a driver. please check your certificate. also think about the persons car who you are driving - make sure the car is insured already, and the car should not be owned, hired or leased by yourself. the other persons car will be insured on a third party only basis so your company would only suggest you use it in an emergency situation.
these are very strict guidelines - call you insurance company or even better ask the person who's car it is to name you on their policy, they can even do thi on a temporary basis ie for 1 day if that is all you need the car for.

Answer 5

The stipulation isn't on whether or not you have comprehensive cover, more whether your policy offers you the Driving Other Cars (DOC) extension.

Most policies where the policyholder is aged 25+ and not involved in the motor trade will offer this facility. You should check your insurance certificate, schedule and policy booklet for confirmation. If you're still unsure, contact your insurer or broker for clarification.

It is important to stress this extension is only operative when you are driving the vehicle with the owners permission. Cover would be third party only (ie no own damage).

Answer 6

Insurance follows the vehicle - not the driver. If the other vehicle you are driving has insurance, their insurance will be primary, if the coverage is not enough, the insurance you carry on your own vehicle would be considered secondary.

Now if the vehicle you are driving does not have insurance, then your own auto insurance would be primary.

*If say you didn't have insurance or a vehicle, and you were driving a third party's car - and that vehicle has insurance, you WOULD STILL BE covered, as long as you are not an excluded driver on that policy and you had permission to operate the vehicle.

Answer 7

Yes if you have your own car insured fully comp,you can drive another vehicle,but you must have the owners permission,and this cover will be for third party only.Neither you or the car you are driving would be covered by insurance in the event of an accident.

Answer 8

It depends on the terms of your policy. Most comprehensive covers will insure you in other peoples cars.

Answer 9

Only if your Insurance Certificate states you can.
It usually has a section that says something like "The policyholder is also insured to drive ...."

Several major insurers have removed the entitlement to drive other cars with comprehensive insurance, claiming that it will reduce insurance fraud.

Answer 10

Possibly.
You need to check the terms of your policy. Not all provide third party cover for other vehicles, and some only provide it for emergency use (check with your insurer what they consider to be emergency use).

Answer 11

Base on what i understand on comprehensive policy it "covers your liability for damage caused by your car to other people's property."

In short you can drive the car but you are not covered by your comprehensive policy. You are only covered by such policy if you are driving your own car.

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