I have noticed a tend over the last few years that most comprehensive cover policys that I have applied for don't allow me to drive other peoples cars unless I pay extra for it. I have done some research and found alot of companys are doing away with this benefit and adding it a extra benfit for drivers, so unless it stats in your policy that your entitled to drive other cars then your not covered it seems.

This year im covered with 'Allianz your cover' and I had to pay a extra £43 to be able to driver other cars on third party only. Lots of people I speak too at work say if your fully comp then your covered to drive other peoples motors but to be honest im not too sure anymore. So I have stopped other people driving my car until I see their policy.

Unless your fully comp insurance stats that your covered does that mean your not cover. Im very unclear on this matter as so many people I have spoken too about it.

Always a case of reading the small print. My own insurer CO-OP insures my wife and I to drive other cars 3rd party but fully comp is £18 extra. Shop around every year when its due, when you find a cheaper quote, take it back to your insurer then watch them grovel!

Ganger your correct

Alot of insurance companies wont allow 3rd part cover untill your 25 as well

My documents do clearly say
This policy does NOT allow you to drive other cars 3rd party

Where as my parent do

There is sooo many loop holes on insurance 3rd party too

like you cant drive somebody Else's car under the 3rd party unless they also have insurance on the vehicle

basically you cant drive an uninsured car on your own policy - see that happen to a few people on those police programs

Ziggy

It was to stop people buying a banger and insuring it for peanuts, then driving around in their real BMW or Range.
Interestingly, The NFU cover ALL drivers on a policy to drive other vehicles TPFT. I'm a named driver and the Doc clearly states it.
Ta

People just need to read the small print on they policys and if unsure contact your insurance to comfirm if you can or cannot drive other cars. Some of my mates just believe if your fully comp then your insured for other cars, no matter how I try and tell them, they don't listen.

Devious said:

It was to stop people buying a banger and insuring it for peanuts, then driving around in their real BMW or Range.
Interestingly, The NFU cover ALL drivers on a policy to drive other vehicles TPFT. I'm a named driver and the Doc clearly states it.
Ta

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They are practically the only company that do now, due to the nature of who they insure. They won't normally touch your average under 25 unless you've another policy in the household with them.

Quinn used to do DOC, which I benefited from for a year, but now don't.

TBH I just get added as a named driver on the cars in the household, fully comp with all the benefits of fully comp for next to nothing extra.

It's a right touch, isn't it?
Ta

Devious said:

It was to stop people buying a banger and insuring it for peanuts, then driving around in their real BMW or Range.
Interestingly, The NFU cover ALL drivers on a policy to drive other vehicles TPFT. I'm a named driver and the Doc clearly states it.
Ta

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I fail to see any benefits to getting fully comp on a £50 shed for £100 in order to drive a £20k beemer with only tpft.

sludgeguts said:

I fail to see any benefits to getting fully comp on a £50 shed for £100 in order to drive a £20k beemer with only tpft.

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Exactly, since the expensive car would need to be insured separately by someone other than the person who is driving it on DoC for it to be legal it just doesn't make sense.

The other thing that a lot of people don't realise with 3rd party cover on other cars is that they cannot be cars that you own.
So if you go to buy a new car, you can't use the 3rd party cover from your previous car to drive the new car home.

Juggers2k said:

The other thing that a lot of people don't realise with 3rd party cover on other cars is that they cannot be cars that you own.
So if you go to buy a new car, you can't use the 3rd party cover from your previous car to drive the new car home.

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Correct, but it wouldn't be insured anyway in its own right normally

Most Easterly Pandas said:

Correct, but it wouldn't be insured anyway in its own right normally

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It may still be insured on the previous owner's policy (although admittedly it would be a bit of a grey area as their policy would have been issued with them as the owner of the car)

Either way though if you're going to get a new car on your old insurance you won't be covered unless you tell the insurers in advance and add both cars.

Juggers2k said:

It may still be insured on the previous owner's policy (although admittedly it would be a bit of a grey area as their policy would have been issued with them as the owner of the car)

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True.