Fully Comp Insurance, Drive Any Car
Fully Comp Insurance, Drive Any Car. Do you need Drive Other Car (DOC) insurance to drive someone else’s car or can you drive another car even if that other car is not insured?
It used to be that all fully comprehensive car insurance polices allowed you to drive any other car on third party insurance, the third party insurance does not include fire and theft so if the other car you are driving was stolen or was damaged in a fire you would not be able to claim on your car insurance, also damage to the car you are driving cannot be claimed on third party car insurance and neither can injury to yourself for example whiplash injury from being shunted from behind.
Third party insurance only covers other road users, other car and van drivers and pedestrians that might be involved in a car accident that was your fault, these other people (the third parties) can claim against your car insurance and receive compensation for damage to their car and money for repair bills or a new car or injury claims and time off work to recover from an injury that was your fault.
Claim For Damage To Your Own Car Or Injury To Yourself
But with third party car insurance you cannot claim for damage to your own car or injury to yourself, actually if you have borrowed someone’s car then it is damage, loss if stolen or fire that you will be unable to claim for.
On more recent car insurance, drive any car polices are not available as standard, you will have to add Drive Any Car (DOC) insurance as an addition to your standard cover.
If you are a named driver on a car insurance policy that means that you can drive the car that you are a named driver of and will be insured as fully comprehensive which means that any claims you make for damage to your own vehicle will be paid by your insurance company as will claims made for personal injury.
Drive Other People’S Cars On A Fully Comprehensive Basis
You can get an amendment to your standard car insurance policy to insure you to drive other people’s cars on a fully comprehensive basis rather than a third party basis, this means that your be able to claim for damage to the car you are driving as well as injury to yourself and of course damage to other cars and injury to other road users caused by you as well as fire and theft claims, imagine the situation if you are driving a friend’s car on your own insurance on a third party basis and you are involved in an accident, you would have to pay for damage to your friends car yourself out of your own pocket as you would not be able to claim on your insurance policy (as it would only be third party when you drive another car).
When you drive someone else’s car you are fully comp on your own insurance and third party on others, whilst this is ideal for the occasional drive when you want to drive a friend’s car home from the pub because your friend has been drinking and you have not had a drink all evening, but for regular use when you are driving for example other family members cars on a weekly basis your risk of having an accident increases (because you are driving more) and then you would only be insured on third party insurance and have to pay for any repairs to a family members car yourself and any injury to yourself could not be claimed for on a third party policy.
Are you insured to drive another car?
If you have fully comprehensive insurance on your own car and you have a statement on your insurance policy to say that you have DOC (Drive Other Cars) additions then you can drive any other car provided that you have permission from the owner of the car, note that you will only be insured to drive the other car as third party insurance and this will not cover fire and theft insurance so you will be responsible for any damage to the vehicle you have borrowed, although claims against you by other car drivers for example claims for damage you caused to another car or injury to another person because of your bad driving will be paid for by your insurance company.
Your car insurance policy might not cover you driving someone else’s car, if you are under the age of 21 and have your own fully comprehensive insurance policy you might find that by default for younger drivers you cannot drive other people’s cars even on a third-party basis, you could ask for DOC insurance to be added to your policy but this might increase your monthly insurance premiums.
If you have fully comprehensive car insurance you are not automatically able to drive any other car on a third party basis, several years ago it used to be standard practice to allow a fully comprehensive driver to drive other cars and offer third party insurance whilst they are driving another car but in recent years the Drive Other Car (DOC) insurance policy has been removed from car insurance policies and you have to specifically ask for the insurance to be added back in, as an example if you are a husband and wife and have two cars insured in your own names then it would be better to have both cars insured in both names than to rely on third party insurance on an amended schedule (insurance policy) it will be cheaper too and as named drivers you would have fully comprehensive insurance on both cars.
Do I need car insurance for my second car?
If you have two cars, both cars must have insurance for you to drive both cars, you might be thinking that if you just have insurance for one car and that cars insurance policy offers the ability to drive any other car as a third party driver then you would not need insurance for your second car, the insurance companies have thought of this loophole for people to use to save on insurance and specify that both cars must have insurance when the owner of both cars is the same.
Now if there are two cars in your family then could one member of the family drive another car without having insurance, the answer is no because both cars must have insurance, it is part of vehicle law that all cars must have continuous insurance, the only way to avoid paying car insurance or road tax is to declare SORN on your vehicle and not drive your vehicle.
Driving an uninsured vehicle
If the other car that you are driving does not have insurance then you are driving an uninsured vehicle which is a motoring offence for which you can receive points on your licence or a jail term, even if you have insurance for one car there must still be insurance in place on the other car you are driving, that does not have to be your own insurance, for example if you borrow your friends car and your friend has insurance you will need your own insurance that offers the feature to drive other people’s cars, you cannot drive your friends car on your friends insurance but only on your insurance policy.
Driving other cars on third party insurance
To drive another car you must have fully comprehensive insurance on your own car, individual insurance polices vary as to whether they offer third party insurance on any other car you wish to drive, if you are under the age of 21 you might have to ask for third party insurance on any other car you wish to drive and anyway your insurance company might not offer drive any car policies as standard, you will have to check your own policy and get drive any car added if it is not mentioned on your insurance policy, it would be illegal for you to drive someone else’s car if your insurance does not cover you for driving other people’s cars, the other persons insurance has no effect on whether you can drive their car, only that they must have insurance on their car for you to be able to drive their car under your policy.
Insurance cover to drive other cars
It’s not offered as standard by all insurance companies, especially if you are a young driver or newly qualified driver, you can add insurance to drive other cars to most vehicle polices, you must check if this is third party cover in which case you are only insured to driver other cars on a third party basis even if you have fully comprehensive insurance on your own car, if your car insurance policy has ‘drive any car’ wording it is likely to be for third party insurance and not fully comprehensive insurance unless you pay more, on third party insurance it is worth noting that it is third party only and not third party fire and theft.
Can you drive any car if you are fully comp?
If you are a fully comp car driver you can drive any car usually on a third party basis and only if your insurance policy explicitly allows it, it used to be that all car insurance polices would automatically insure you to drive all other cars provided that the owner of the other car had insurance, but these days insurance companies (to save money) have removed third party cover to drive other vehicles unless you explicitly ask and pay for it.
What does fully comp insurance mean?
Fully comp insurance or fully comprehensive car insurance to give it its proper name is the name given to a car insurance policy that covers claims other road users might have against your insurance and claims you might also have against your own insurance, for example if you are the cause of a motor vehicle accident other road users whose cars were damaged by the accident will be able to claim against your fully comprehensive insurance for damage to their car, your fully comprehensive insurance would then pay out to get their car replaced or repaired.
Similarly other road users who where injured by your car accident would be able to claim against your insurance for medical bills and rehabilitation, now that ability to claim against someone else’s insurance is called third party insurance, added to that fully comprehensive allows you as the owner of the car to claim on your own insurance policy for damage to your own car and injury to yourself, without a fully comp insurance policy any damage to your own car or injury to yourself could not be claimed on your insurance policy and you would have to pay your own car repair bills or car replacement bills and your own rehabilitation costs.
Can I drive another car as a named driver?
A fully comprehensive or third party car insurance policy can name a number of drivers as those who can drive the car at the same level of insurance as the owner of the insurance policy, so for example a husband and wife can both be named drivers on a fully comprehensive insurance policy and both drive the car under the fully comprehensive policy because they are named drivers.
Can I drive someone else’s car without insurance?
You need your own insurance to drive someone else’s car, you must either be a named driver on their insurance policy or you must have a fully comprehensive car insurance policy for your own car which has an amendment (check your insurance policy) to drive other cars, this is usually called a DOC (Drive Other Car) amendment and insures you for driving other cars under third party car insurance even if you have fully comprehensive insurance on your own car.
Drive any car insurance
Drive any car insurance can be driving any car under your own car insurance where your own policy insures you for driving other people’s cars on a third-party basis, however if you regularly want to drive other people’s cars then you’re want fully comprehensive insurance so that you can claim on your own insurance for accidents, if you drive other people’s cars for a living then you’re want commercial motor trade insurance.