UK car insurance question: My insurance allows me to drive my car and also any other car not owned by me...?

Question

with the permission of the owner.
But is it necessary for that other car to itself be insured itself. There is nothing in my insurance documentation to say that this is necessary.
(this is third party only insurance)

If this is the case, then surely I could get cheap insurance on a mini and drive my friends ferrari even if my friend cannot himself afford to pay for insurance for his ferrari.

Answer 1

Yes you could do that but would your friend remain your friend if you pranged his car ? remember if you had an accident the only thing insured is the third parties property and person NOT your mates car. It's not actually the car that is insured but the person on the policy.

Answer 2

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Answer 3

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RE :UK car insurance question: My insurance allows me to drive my car and also any other car not owned by me...?
with the permission of the owner.
But is it necessary for that other car to itself be insured itself. There is nothing in my insurance documentation to say that this is necessary.
(this is third party only insurance)

If this is the case, then surely I could get cheap insurance on a mini and drive my friends ferrari even if my friend cannot himself afford to pay for insurance for his ferrari.
Follow 18 answers

Answer 4

Hello No 1 Car 1 Policy or they lose money on selling you another policy. That is why it will specify any other car with the owners consent so you are only covered when you drive that car. Not 24/7 like your car. Also check the small print, you will find that although you have a Full Comp Policy the cover on the borrowed car will also drop to 3rd Party Fire and Theft Andy C

Answer 5

No you cannot drive your friends ferrari or any other car for that fact because... your insurance is covering you to drive the vehicle; however every car needs to be insured itself to stay on the public roads. If your method was correct then that would mean that your friend does not have to get an MOT and tax for his ferrari but we all no that isnt the case therefore the vehicle must be insured in itself before it can even be allowed to be parked on the side of the road, let alone be driven.

Answer 6

No - READ WHAT YOU TYPED.

"But is it necessary for that other car to itself be insured itself. "
ie. The Ferrari MUST be insured by someone before you can drive it.

This is normal for most (good) car insurance policies - but there are also claused about 'main drivers' - so you can't drive it more that 50% of the time (legally) than your friend.

Answer 7

I'm afraid the insurance companies have woken up to that one. If you're sure there's nothing in your documentation to cover that eventuality I'd ring your insurers, you'll get a sudden intake of breath and a statement that it is in the event of an emergency only. Then get them to point out where it's quoted. That'd be interesting.

To deal with your actual question, though, the car has to be fully legal with tax, MoT if required, and insurance in your friend's name.

Answer 8

the vehicle you are driving on your insurance has to be road legal.and obviously you have to have owners permission but third party only covers damage you do to other cars with the ferrari otherwise everyone would be doing it.
If I had a ferrari i certainly would not let anyone drive it only insured against third party risks.
This is the minimum legal requirement.

Answer 9

The vehicle you drive on your 'driving other cars' extension does NOT have to be insured seperately!!!!!!!!

The RTA states that it is a criminal offence to drive a motor vehicle on a road unless there is in force a policy of insurance to cover "that use by that driver." So your DOC extension covers you to use that car!

BUT if the vehicle is left on the road (includes car parks) when you are not using it then it is not insured and of course the problems mentioned above i.e. damage/ loss to the car is not covered.

Answer 10

You will only be insured third party. So if you damage another car the insurance will pay the other car owner to have his car repaired but not your friends