I am insuranced fully comprehensive on my car. Can I drive another car 3rd party?

Question

I remember reading something like that somewhere - Does the other car have to be under fully comp also? or does it not matter?

Answer 1

It doesn't matter, though am thinking that it would be cheaper for you if you insured both your cars together.

Answer 2

Anyone who is saying yes definately is wrong.


Check your insurers details. Most have a lot of clauses around this.

As an example, Direct Line's is :

If you hold a comprehensive policy and are aged over 25 years then you may drive another car third party only as long as the other car is insured and you have permission. Direct Line advises that you only use this in an emergency and certain occupations are not allowed to use this (for example if you work in the motor industry).

Check your insurance certificate, it should say that you are covered for "driving other cars" or something to that effect. Also check your policy booklet for the restrictions on this, or call the company if you can't find these details adn they will be able to check for you. It really is not worth assuming in this case - I have spoken to people who assumed they were covered and then either were not or drove a car which was not insured and so had hundreds of pounds to pay out, all because they didn't take two minutes to check up.

Answer 3

I would check you insurance documents.

Different companies have different policies. It normally depends on your driving experience and your claims over the last 5 years. If you a fully comp, the other car will only be covered for 3rd party.

If your insurance says its ok to drive someone else's car, it doesn't matter if they're insured or not, as long as the car is taxed and mot'd.

Answer 4

lol i answer these questions all day, im an insurance consultant.

Most (not all) companies allow you to drive other cars other cars 3rd party only provided that car is insured elsewhere & that you are over 25yrs old. The car doesnt have to be fully comp elsewhere, just so long as it is insured.

Ask your current insurer....or if you are frightened they will say no & you want to do it anyway then get a friend to phone up & ask it as a hypathetical question.

Answer 5

Normally you can. Check your policy.You have to have the other cars owners permission to drive it. Doesn't matter if the other car is not insured fully comp,as long as your is.

Answer 6

Read your documents carefully. It'll be third-party only and may well state "in an emergency only", which is a clause coming in more and more often. Needless to say, you need the owner's permission. It matters not if the other cover is fully comp or not.

Answer 7

Read the small print on your certificate. If it doesn't say something like" the policyholder may also drive another vehicle...." then you won't be covered. remember it's 3rd party only even if you are. If the other car has no insurance then the moment you park it your cover stops!

Answer 8

You are covered to drive someone elses car 3rd party but only if the car you are going to drive is already insured by the owner.

Answer 9

I wouldn't trust anybody on this site for insurance questions. Best thing to do is to take 10 minutes and call your insurance company. I'm covered for any vehicle I drive but I have USAA.

Answer 10

Usually comprehensive cover includes "Act liability" insurance on cars that don't belong to you. That means you've got enough insurance to be legal, but it only covers injury to third parties and passengers. It will tell you in your Insurance Certificate.

Answer 11

Check the bottom of your insurance certificate, mine states something like:
"I am not entitled to driver another car"
I am fuly comp