Fully comp

[crapmemory]

My nephew says if you have fully comp car insurance you can drive anyones car. Is this true?

[Loosehead]

no

[Solarjunkie]

Sometimes - I can.
But it does not necessariily apply. You can't assume it does!

[Ethel]

This used to be the case, not any more.

And very often where the insurance does cover 'any vehicle' the policy specifies 'in an emergency only'.

I contacted my insurance company and they gave the example of the driver being taken ill at the wheel, I as a passenger would be able to drive him home, to the gp or to the hospital.

You need to check your policy very carefully.

[mycats]

My bf is fully comp and is insured to drive any other car BUT he is only insured 3rd party for them. Check the policy, they arent all the same

[crapmemory]

Thank you all for your replies.

[dundurn]

legend007 seems correct from my experience i.e you are covered to drive but only 3rd party BUT there is almost always an exclusion which says that this only applies where the car is borrowed but not hired. If you rent a hire car/ van etc you have to be separately insured. You are also (of course) still only able to drive vehicles of a type covered by your licence - so manual/ automatic considerations still apply also.

[david1702198]

only on some policies, sometimes you need to be a certain age and most of the time if you are covered its 3rd party only.

[dilligaf]

Sorry legend 200 fully comp does NOT now normally cover you to drive another vehicle (3rd party or not).

As you correctly mentioned read the small print, or, refer to Ethels reply above.

[dilligaf]

Sorry legend, should be 007 not 200.

Dont even know where the 200 came from.

[dzug]

Hadn't realised it wasn't the norm these days. My policy (not an expensive one) allows me to drive:

third party only, with the owner's permission, any other car

fully comp, a courtesy car provided whilst mine is at a dealers for service, repair or MOT

So check the policy AND the certifiate of insurance. The above extensions are on my certificate - not in the policy

[sifellis]

I might also add that it's not only comprehensive policies(there's no such thing as fully comp but people still call it that) that allow you to drive other cars on a 3rd party basis.

Most companies, certainly ones underwritten by UKI, will allow you to do it even if your policy is 3rd party only. If you've already been assessed for 3rd paryt risks in your car why should it be any different in anyone elses?
Ethel is correct though, some companies will only permit it in an emergency provinding the car isn't private hire/rental.

Check with your insurer