Car Insurance

[CherryBea24]

Can anyone help with this, if you have fully comp car insurance can you drive someone elses car with their permission or not

Thanks

Cherry

[Buenchico]

There is no universal answer.

At one time the majority of insurance policies (both third party and comprehensive) permitted the insured person to drive other vehicles (with only third party cover) with the permission of the vehicle's owner. Even then, there could be additional stipulations within some individual policies (such as the vehicle not being owned by another person living at the same address or by anyone directly related to the insured person).

More recently, many insurers (in a bid to offer the cheapest policies possible) have removed 'any vehicle' third party cover from their policies. So some comprehensive policies offer such cover, while others don't. (Exactly the same is true of third party policies).

The only way to be sure whether you're covered is to READ THE POLICY DOCUMENT.

Chris

[ABerrant]

It was Norwich Union Group (including NU Direct and RAC insurance) and the companies underwritten by NU (such as ASDA Insurance) which withdrew DOC cover from their policies in a blaze of glory at the end of 2005, as they believed DOC was being abused and did not fit in with government proposals to tighten up car insurance. The rest of the industry contemplated similar action but did not follow suit as they believed such a move would only increase the number of drivers without insurance coverage and thus NU (now known as Aviva), out on a commercial limb, subsequently reinstated the DOC provision.

[R1Geezer]

fully comp is irrelevant. If it says words to the effect of:
"may drive other veihicles no owned by the policy owner and not for hire or reward, third paty only" then you can. If it does not say that then you can't, end of.

[oldhamfan]

It's also worth noting that my insurance company, for the first time ever state in the policy document that I may only drive another car third party if it is independently insured in its own right. This has always previously been a grey area.