can i use my car insurance to drive my dads car?

Question

i got fully comp insurance on my car, does my insurance cover me to drive my dads car?

Answer 1

if you are over 25 you get any motor car 3rd party as standard as long as the car you want to drive is insured but a quick call to your insurance should conform this

Answer 2

Hi

Your fully com insurance will not cover you fully to drive your dad's car, if at all. At best, you will only be covered 3rd party, but check that your own insurance allow you to drive other cars with the consent of the owner, some insurance companies don't even give you that option, especially if you are under 25. It will be written somewhere in your policy.

C

Answer 3

Proud walker's the only one right here so far. There's a lot of misunderstanding about this. It USED to be that the holder of a fully comp policy could drive any car not owned by him etc., but the insurers have at last got wise to Johnny with a Corsa driving Dad's Ferrari.

If you read your documents carefully you'll find that somewhere it says "in an emergency only". Get Dad to add you to his policy.

Answer 4

You need to carefully read your policy document. You may be covered third party only to drive a car which does not belong to you. If so be really careful as this just covers for damage to the other vehicle if you have an accident. It will not cover repairs to your dads car. All in all you would be far better off to get your dad to put you on his policy as a named driver. Depending on your age, experience and any driving convictions it may not cost very much to do so.

Answer 5

You are normally covered for third party only, NOT third party fire and theft, a lot of insurance policies also state however that you're only covered 'providing no other policy exists for that vehicle' so, if your dad has insurance for his car you're not covered. You need to read the small print on both policies.

Answer 6

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RE Can i use my car insurance to drive my dads car?

i got fully comp insurance on my car, does my insurance cover me to drive my dads car?

Answer 7

Here we go again.

IF and ONLY IF your certificate of motor insurance states that 'the policyholder may drive with the permission thereof a motor vehicle not belonging to the policyholder and not hired to the policyholder under a hire-purchase agreement' then you may drive your father's car. (assuming his policy is just for him or him and your mother).

Even if your policy has this benefit you are only covered third party (NOT fire & theft) there is no loss/ damage cover on the car at all.

Answer 8

If you had your own insurance it used to be OK to drive someone else's car with their permission and third party fire and theft cover. These days things aren't so clear so I would advise you to check both policies just in case.

Answer 9

I suggest that you visit this site where onel can compare rates from different companies: http://INSUREQUOTE.US/index.html?src=2YAsohquWR64

RE :Can i use my car insurance to drive my dads car?
i got fully comp insurance on my car, does my insurance cover me to drive my dads car?
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Answer 10

Are you over 25?
Basically it all depends on your particular insurance. The ususal conditions are that you must be at least 25 years old and it will only cover your 3rd party.