Compare quotes from up to 116 providers all in one place. If you have Driving Other Cars cover this will be clearly stated on your certificate of insurance. Third party insurance does not cover anything else, including repairs needed to your car, cover if your car is written off or cover in the event your car is stolen or destroyed in a fire. Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. Its likely to increase your premium a lot, that’s if you can find an insurer to give you a quote. This is because most insurers exclude anyone who falls within the “young driver” age range. You can protect your classic car on a single-car policy or you can add it to your multi-car cover. “The move away from fully comprehensive cover drive another car, a fairly seismic shift that will certainly impact thousands of drivers was not exactly signposted for all to see though,” he said. Fear not, if you don’t have DOC on your policy you still have options. not written off, Your occupation cannot be in the motor trade, i.e. It includes a guaranteed hire car, seven-day car repair, personal possessions cover and more. Confused.com is a trading name of Inspop.com Limited and is authorised and regulated by the Financial Conduct Authority. © Copyright 2008 - 2020 Confused.com. Our unique drive any driver insurance policy, provided by no other company on the insurance market, is ideal for helping you make the most of other people's cars; giving you both the flexibility and security to drive any car you need with full cover in an emergency or on a temporary basis - secure in the knowledge that you are fully covered. Car insurance is a legal requirement unless your vehicle is registered as off the road (SORN). While the amount of cover you get depends on which level you choose – comprehensive offers the most cover, third party the least – there are a few things that come as standard with Admiral Car Insurance no matter which level you choose: Cover to drive in Europe for up to 90 days Driving other cars … As part of your car insurance policy some car insurance companies will provide third party cover to drive other cars. These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register. Then there’s the court prosecution which carries up to £1,000 fine. MultiCar customers could save £255 (10% of customers who provided a best … Manage cookies and view our policy. Unfortunately, the form could not be processed at this time. 92% of the 349 comprehensive car insurance policies on Defaqto don’t offer cover to drive other cars - only 11 offer it as standard Those 11 policies had limits and exclusions, which all differed Make sure you compare and check policy details to find the right cover Reasons you won’t have cover to drive other cars In fact, not all providers even offer it. 10% of customers who provided a best alternative price saved 29% between January 2020 & June 2020. Comprehensive cover includes a courtesy car while your car is being fixed by an approved repairer. You then realise or find out you don’t have DOC. These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register Modifications to cars should always be declared to insurers. He added that insurers have not been upfront with motorists which could be contributing to their cars to be seized. We explain why here. From driving other cars to keeping your motor in a garage, we bust open the top car insurance myths. Admiral provides a wide range of car insurance products, including single car policies, multi-car … Key Assist Comprehensive TPFT : You're covered for up to £1500 for replacement locks, keys and locksmith charges - and up to 3 days car hire. I gave my girls friends car keys (was bullied into it) to a local nutter the guy said he was insured to drive any car, however I wasnt going to start asking to see his policy. Whether that's because you’re too young, or because your provider doesn’t offer it. Answer Save. Compare cheap quotes from up to 116 providers. Insurance to drive other cars (DOC) cover used to be a standard feature of comprehensive insurance policies, but it’s rare these days. You’ll get an IN10 conviction (driving without insurance) which is 6-8 points according to Gov.uk. For Admiral's multi-car policies, customers get a MultiCar discounts for every car on cover. READ MORE: How to add a driver to your policy It is possible to cover the test drive of a privately-owned vehicle through the buyer or seller’s insurance. "What if my car needs to be repaired?" However, the level of car insurance you buy is up to you and not determined by law; there are three different types of car insurance, and these policies vary depending on the policy and insurer. Lets say you're pulled over by the Police while you’re driving the other car. If you're shopping around for car insurance then it's essential to find the right cover for your needs. If you’re under 25 and want to drive someone else’s car, your best bet would be to either get added as a named driver on their policy or take out temporary cover. Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. Yes. It only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. Yes, but only if you have insurance. When shopping around for car insurance, think about your needs and choose your additional features tailored to you and your car. I'm about to switch to Admiral on my car insurance and was wondering what the age was on the policy when it meant i would be covered 3rd party to drive any other car? Marshmallow only offers comprehensive car insurance cover. Here’s everything you need to know about towing a caravan or trailer. Van Insurance Loans. There are a few companies who don’t place an age restriction on the benefit, so you might be lucky. Yet, contrary to popular belief, having comprehensive insurance does not entitle you to get behind the wheel of any other car, even if you're over the age of 25. (Reg No: 02686904). https://admiral.com/magazine/guides/car-insurance/which-level-of-cover. 10 years ago. DOC is a clause on your policy that allows you to drive someone else’s car without being a named driver on their policy. The next step up is third party, fire and theft (TPFT). Multi-car cover: A multi-car policy insures you to drive other cars – but you should check with your insurer to see how this works with named divers on your policy Contents cover : Contents cover for your car means you’ll get a pay-out if items in your car are stolen or damaged, but if anything is stolen after being left in plain sight you won’t be able to claim Crammed with features and benefits. It’s the lowest level of cover (third party only). Get car finance tailored to your exact needs. It’s not always included by default. Coronavirus: Impact on drivers and car insurance. Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. Does a comprehensive policy mean you can drive any car? READ MORE: How to add a driver to your policy. Admiral Financial Services Limited (Reg No: 10255225) is a subsidiary of Admiral Group plc and is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). Up to 13 weeks’ cover for driving within the EU. Windscreen Repair. a small hatchback), while your car is being repaired by one of our approved garages. Windscreen and glass cover. Courtesy car Comprehensive : You'll get a free Class A courtesy car (e.g. Admiral is a trading name of EUI Limited. In most cases, your insurance on other vehicles will only be third-party. As a buyer you could check if your policy includes a DOC or Driving Other Cars clause, these usually only offer third-party protection. Title: UK - What car insurance companies cover you third party to drive other cars when fully comprehensive, Author: mytandberg3, Name: UK - What car insurance companies cover you … You’d need to speak to your insurer about that. With comprehensive car insurance, you’ll receive all the benefits and cover that comes with a third party, fire and theft policy. Can I drive any other car? On Hastings Direct or Hastings Premier car policy, it's likely you'll be covered to drive other cars. Find out more 3 levels of Home Insurance for you to choose from. The ability to drive other cars on your policy isn't something that's always automatically included. If by full comprehensive you mean that you would have full comprehensive cover on any car you drive and i think that is what you mean, the answer has to be no. Whether that's fully comprehensive or third party fire & theft. Some providers will add it without asking, but others won’t, so never assume. Please use our simple contact us form and we will get back to you within 24 hours. As well as looking at how Admiral's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too. You'll find it under section 5 called 'Persons or classes of persons entitled to drive'. For example, there may not be any cover in Europe for theft to your car … A price comparison website suggested a short list, including Admiral. Am I covered if someone else drives my car? Regardless of the level of cover which the policyholder has, the cover provided to them under the driving other cars extension will always be third party only (unless stated otherwise in the policy documents). Please refer to your Certificate of Motor Insurance for confirmation that you have this cover, or call us on 0345 246 8701. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. Comprehensive car insurance like its name suggests offers the widest range of cover. Does comprehensive car insurance cover me to drive other cars? You are covered to drive other cars not owned or insured by you or your spouse/partner, on a third-party basis, provided you have the owner’s permission and the vehicle has insurance in its own right. Comprehensive car insurance offers unlimited car stereo cover and up to £150 personal belongings cover. If so, there are a few things you need to know about insuring it. | currently I am a named driver on my wife's comprehensive policy. European cover for up to 90 days. Admiral Comprehensive Car Insurance Our Defaqto 5 star comprehensive cover is the highest level we offer. Our comprehensive policies include great features and benefits as standard. 5 Answers. For example, if a friend or family member has had an accident and needs you to drive them to the hospital. Comprehensive car insurance offers one of the highest levels of protection, it covers the same things as third party only and third party fire and theft, but on top of all that, it covers your own car in an accident. Drive away cover gets your new car home safely Get a quote . The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. Courtesy Car. Thank you for your feedback on our website. And was that jaunt in your friends car actually legal? cheers . In the past, most comprehensive car insurance policies included driving other cars (DOC), giving drivers third party policy protection when driving other people's cars with their permission. I am the named driver on my girlfriends car, I rarly use it. Do I need to make you aware if I have had a conviction? Courtesy car while yours is in for repair at an approved garage. For their single car policy, Admiral state that 10% of customers paid less than £303 between January and June 2020. Home Insurance Voted Best Car Insurance Provider seven years in a row. With Admiral MultiCar insurance, you will receive an immediate discount for every car you add to the policy. You think to yourself “Great, I have fully comprehensive insurance so I can drive any car”, and off you toddle. Many insurers won’t cover drivers with this conviction as they’re too high risk. Can I Drive Other Cars With A Fully Comprehensive Car Insurance Policy? Our comprehensive cover has Defaqto's highest 5 Star rating. You may have to add this additional benefit to a comprehensive policy. For young drivers, building up a no-claims bonus is a matter of time, although there is a way of speeding it up a bit. Some insurance providers will let you while others won’t – so you’ll need to check your policy or call your insurance provider before you jump into someone else’s car. Relevance. You would be liable for the damage caused to the car you’re driving. 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