If ur the main insurer of a car, the policy is third party, can u drive ne other car with the owners consent?

Answer 1

no....unless you're a named driver on their policy
A third party policy only covers a third party, not the policy holder.
My fully comp policy will cover me 3rd party, in someone else's vehicle, but only if the vehicles owner is similarly insured. But a third party policy isn't worth the paper its written on......

Michael L.........which insurance co. do you work for???...........are you the tea boy???
If that was the case......why bother naming other drivers on your policy. If i want to add my wife to my policy, it'll cost me an extra £200..........but by your logic, i can just say bollox and lend her the car and my insurance........she'll be covered under my policy anyway.................eh!!........Think Not Mate...........

Answer 2

If the policy is in your name, then it is likely that it will cover you to drive any other car as long as the policy on that car doesn't cover you (in which case you would be insured anyway).
The only exception if you have this cover is if the car you want to drive belongs to you (or you are buying it under a HP agreement) then your policy won't cover you.
Have a look at you insurance certificate. It should have a section entitled "Driving Other Cars" and will tell you if you are covered there. This cover is usually included on Fully Comprehensive & Third Party Policies. It is only usually excluded if you are a young driver or work in the motor trade or the like. It is really at the descretion of the insurers. The most important thing is that you check your policy. If in doubt, ring your insurance broker and ask.
Note: If covered, you will only be covered for third party claims even if the cars' own policy is fully comp.

Answer 3

No you cannot. You can only drive another car on your policy if the following are complied with 1) You as the driver have a full licence 2) The car you are diving has full comp insurance. 3) The car you are going to drive is fully legal (MOT, Tax etc)
4) Your fully comprehensive insurance allows you to drive another car. Not all insurance policies have this feature.

Answer 4

Gawd, there's a worrying lot of ignorance about this subject.
I assume you're in the UK, so Crockski's got it right.

Third party insurance never gives you cover to drive another vehicle. Only fully comprehensive does this and not always then. If a fully comp policy does allow this, it will require that the other vehicle is already insured, that you have permission and, these days, "in an emergency" only.

The only way you, in your circumstances, can legally drive someone else's car is if you are named on their policy or if they, unusually, have "any driver" cover.

Answer 5

Not in the UK.
If your cover is Comprehensive, it may provide third-party-only cover for you to drive other vehicles (but may not, or may only provide cover for an emergency - say the owner was taken ill away from home). If you only have third-party cover on your own car, it is unlikely that you will have any cover for driving other vehicles.
Check your policy wording carefully (you'll need your certificate, your schedule of insurance and the policy booklet).

Answer 6

yes you can drive it , but will your insurance cover you ?
not sure ? Call your insurance agent and ask if you can't figure it out by reading your policy . Also you need to know about the others car's insurance policy as well ...

Answer 7

depends on the policy but my immediate instinct would be no. just look in the policy summary to double check or call the insurer. if you want to get insured for some one elses car short term try dayinsure online or similar companies.

Answer 8

It depends on which company your with,if your over 25 and your policy states it then yes,but check your ins certificate first.
It should read something like "The policy holder/Insured may also drive with the consent of the owner any motor vehicle not belonging to him on a third party basis etc etc"

Answer 9

Only if you are a named driver on the other car's insurance

Answer 10

Most insurance policies state that anyone can drive your vehicle with your consent and your insurance will cover that person. In essence, if they borrow your car....they borrow your insurance. So be careful who you let use your car.

In your case, your own insurance won't cover you for driving another persons car. Their insurance will cover you. Make sure they have insurance if you drive their car or else you are driving uninsured.