If I Let Someone Drive My Car Are They Insured – There is always confusion about car insurance and whether you can drive someone else’s car and still be covered under your policy.
The main types of insurance in the UK are comprehensive, third party and third party fire and theft. All of these offer different premium rates and it is important that you understand the difference between them before taking out a policy.
If I Let Someone Drive My Car Are They Insured
Third party insurance only covers damage to other vehicles involved in an accident and you will not receive compensation for repairing damage to your own vehicle. Third party fire and theft insurance offers the same level of coverage as third party, but will also provide compensation if your car is involved in a fire or stolen. Comprehensive insurance, sometimes called ‘computing’, will cover the cost of repairing any damage to your car as well as other vehicles that were involved in the accident, whether it was your fault or not.
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If you have low levels of insurance (third party or third party fire and theft insurance), it is unlikely that you will be able to drive someone else’s car using your policy. However, every insurance policy is different, so it’s important to check the fine print on your policy document. The document should specify whether you can drive another vehicle and the type of cover you will have.
Most policy providers only allow you to drive other vehicles if you have a minimum level of full coverage. But even with this type of insurance you may not be able to drive another car.
Comprehensive car insurance is designed to insure you against any accident in a variety of different situations. For example, you can make a claim if you discover damage to your car but cannot prove who was to blame. It will cover your car if it is parked on the road or if the accident is caused by you. It can also compensate passengers or drivers injured in the incident. This is why it is the most popular form of insurance in the UK, despite being the most expensive
Just because you have comprehensive car insurance doesn’t automatically mean you can drive someone else’s car. Some providers allow you to do this, while others may claim in the fine print that you will not be covered. Having full insurance on your car does not mean that you are a perfect match for someone else.
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If your insurance provider does not allow you to drive a particular vehicle, it is likely that they will only offer third party insurance as a maximum. This means that if you are involved in a collision, the policy will pay for the damage done to the other vehicle involved, but you will need to pay to repair the vehicle you were driving. This can cost thousands, depending on how extensive the damage is.
In the past, most comprehensive policies would cover you when you drive other vehicles, but now that’s not the case. You should always check your insurance certificate or your policy documents to confirm what you are covered for.
If in doubt, don’t get in the car. It is illegal to drive without insurance, even if you thought you were covered, and you can be fined up to £300 or have six penalty points added to your licence. These would remain on your record for five years. The penalty may be more severe if you already have a conviction on your license.
If your insurance policy does not cover driving someone else’s car, there are several ways you can get coverage on a second car.
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First, you can be added as a named driver to the insurance policy. A named driver is someone who is insured to use the vehicle, but is not the main driver and uses the vehicle regularly as an owner. They will have the same level of cover as the main policy holder and it means that they are fully covered if any incidents happen. An example of a named driver would be a father who may need to use his daughter’s car on a regular basis. The named user should never be a frequent user of the vehicle. This is known as fronting and is illegal. If you are caught, you may be denied insurance in the future or have a criminal record.
Second, you can take out temporary car insurance. For example, if you are planning a road trip and want to share the car among a few people, you can each take out a short-term insurance policy for a day or a week. This means that you will both be charged the same to drive and would only need to pay one fee up front.
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When it comes to deciding between third party and comprehensive car insurance there is a lot to consider. We discuss the benefits of each in this helpful article.
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