Can I Have Car Insurance Without a Car

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Am I insured for driving someone else's machine?

Even if you have comprehensive car insurance you may not exist covered to bulldoze someone else's machine. Read our guide to find out how to ensure you lot're legally covered to drive, before you become behind the wheel.

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Many people assume that their ain comprehensive motorcar insurance policy allows them to drive another vehicle . Mayhap you occasionally drive your partner's or family member's motorcar, assuming you get the same level of embrace every bit they do?

The likelihood is that you may not be covered to bulldoze it at all, unless you're specifically named on the policy. Or if you're permitted to bulldoze other cars on your insurance, it will only exist third-political party cover and may only be for social, domestic and pleasure purposes. You will need to check the diction.

Tin I drive other cars on my insurance?

If you have a comprehensive insurance policy on your own auto, you may have driving other cars (DOC) encompass included. In the past, driving other cars cover was a fairly standard improver to comprehensive policies, but fewer insurers now offer information technology every bit it was always only intended to be used for emergency situations.

The car you want to drive must be covered by an existing insurance policy, and you must have permission to bulldoze information technology.

Although driving other cars cover does allow you lot to drive another already insured vehicle, most policies volition only encompass you to drive other cars with tertiary party only (TPO) cover, rather than the fully comprehensive encompass you become on your own car.

What is third political party automobile insurance?

Third party car insurance is the minimum cover you legally need to drive. At that place are two types of third party: 3rd party only or third party fire and theft.
In the consequence of an accident, your insurer volition pay for any damage or injuries to tertiary parties, their vehicles or property. It will not pay for repairs or replacement of the car you were driving.
So if you lot're driving a friend'south car and accept an accident, you could be liable for whatever repair bills to their vehicle as this won't exist covered by your insurance. This level of cover will likely embrace injuries caused to any third parties, including your passengers, but not to yourself.
Some insurers also state that even if you lot have commuting and business organisation utilise on your insurance, only social driving will be covered if you drive someone else's car. The devil is in the detail so always bank check the policy wording.

Read our guide on the different types of insurance to acquire more about third party simply (TPO), 3rd party, burn down and theft (TPFT), and comprehensive insurance policies.

What is driving other cars(DOC) insurance?

Driving other cars cover allows you to drive other insured cars without existence a named driver or buying temporary cover. The automobile you want to drive must be covered by an existing insurance policy and you lot must have permission to drive it.

Driving other cars cover is ordinarily only available on a comprehensive car insurance policy , so if y'all have 3rd party (or tertiary political party, burn & theft ) cover, you won't exist covered to drive whatever other cars. Information technology'southward not automatically included on every comprehensive policy – so check starting time.

Unfortunately, driving other cars embrace is non bachelor to everyone.

Insurers volition typically exclude Physician cover from your insurance policy if you are under 25 , as you're seen as a college adventure to insurers. Those with criminal convictions or who accept fabricated an insurance merits on their own policy may not exist able to become Doc cover either.

Does my job impact my insurance?

Some occupations may be excluded. Those in the motor merchandise, for instance, are probable to drive their customers' cars regularly, so insurers may take the view that you're more probable to exist involved in an blow. If y'all drive your customers' cars, your company should accept its own insurance in place for those circumstances.

Call up:

Information technology's important to realise that driving other cars embrace should not exist seen equally a substitute for a full car insurance policy
If yous get into an accident while driving someone else's car, you could cease upward paying a hefty repair beak
Driving other cars insurance is only always third political party only insurance, and so information technology will non pay for whatsoever damage your practice to the motorcar you have borrowed. You lot would need to pay for that out of your ain pocket

How do I detect out if I accept Physician cover?

It's best to check with your insurer to discover out whether you have DOC cover, as it's not e'er included automatically. Make sure you check before borrowing someone else'south car.

Tin can a named commuter drive another car?

If yous own a 2d car, annotation that yous cannot apply your 'driving other cars' embrace from your first car to avoid taking out insurance on the second motorcar. Driving other cars cover is an add together-on intended to allow you to drive other cars in an emergency, and will not extend to other cars you lot own.

Can I drive someone else's car without DOC cover?

If y'all don't have Doctor comprehend, here are some other options that allow yous to legally drive someone else's car:

Add together your name to the policy: If you plan to use another person'southward car regularly, or even occasionally, ask for them to add together you as a named commuter on their insurance policy.
Depending on your driving experience, it could fifty-fifty assistance to cut the cost of their cover.
Temporary auto insurance: Alternatively, y'all could consider temporary cover if you plan to infringe their vehicle equally a one-off. You can even go one-24-hour interval cover to drive someone else'south car.

Should I get temporary car insurance instead?

Temporary auto insurance is a short-term motorcar insurance policy that typically lasts between one and 28 days, sometimes longer. It can be ideal if you need to borrow a family member's car for a brusque menses of time.

What if I don't have my own insurance policy?

It's important to sympathise that you lot can only drive a car if you have insurance. If you don't have your own insurance policy (either on your own car including Physician cover, equally a named driver on the car owner's policy, or standalone temporary cover), you will not be legally covered to bulldoze.

Remember that it's not the car that's insured – information technology'due south the driver. And then while the possessor of the automobile may have an insurance policy for the vehicle, each driver needs to have their own insurance (either via driving other cars comprehend or a temporary policy), or be specifically named on the policyholder's insurance policy.

It'south illegal to drive without insurance...

The bottom line is you lot must have insurance to drive a automobile, whether it's yours or somebody else's. The just exception is when yous're hiring a car or taking driving lessons in a professional instructor'south car, as the insurance will be included in the cost of the rent car or lesson.

All things considered, it'south best non to jump into a friend's car and assume you can legally bulldoze it, even with their permission.

Can someone else drive my car?

Perhaps, but the aforementioned rules employ if someone else wants to borrow your car. To be covered, they will either need to have DOC cover, be added to your ain insurance policy every bit a named driver or take out a temporary policy.

A temporary insurance policy may exist a good option if, for case, your son or girl wants to drive your car while they are home from university, and they're not covered on your insurance.

Alternatively, you could consider 'any driver' car insurance, which ways anyone can drive your auto – there'south often no limit to how many people can bulldoze it. However, this blazon of policy isn't very mutual, and you may notice information technology's expensive.

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Source: https://www.uswitch.com/car-insurance/driving-other-cars/