Driving of other cars* is an optional cover and additional charges may apply. ... the entitlement to drive other cars is … Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. It's an easy assumption to make. © 2020 Liverpool Victoria, County Gates, Bournemouth, BH1 2NF, UK, For all your car, home, travel, pet and other insurance enquiries, For all life insurance, investments retirement support. Comprehensive car insurance offers one of the highest levels of protection, it covers the same things as third party only and third party fire and theft , but on top of all that, it covers your own car in an accident. Learn more about cookies. This type of cover is useful if you know you'll only need to drive the other car for a few days, rather than need access to it throughout the year. Leave us feedback. Menu ... Find out more about car insurance and driving other cars. What is driving other cars? Comprehensive insurance and driving other cars. As the name suggests, this type of insurance allows you to take out comprehensive car insurance on another car for a few days at a time, usually between 1 and 28 days. Money. If you’re happy with that, just continue using the site. This covers anyone between the ages of 25-70 with a full licence to drive your car, so you won’t need to add drivers to your policy. Car insurance is a legal requirement unless your vehicle is registered as off the road (SORN). If you do not have this cover please check with the owner of the car, as you may be covered to drive under the terms of their insurance policy. So, what are car insurance groups and how could they affect your insurance? Traditionally, this was a standard fixture on many fully comprehensive insurance policies, and gave drivers third party only cover for driving other vehicles – providing that you are fully comp on your … Insurance to drive other cars (DOC) cover used to be a standard feature of comprehensive insurance policies, but it’s rare these days. I have an LV= car insurance policy. It can be worthwhile if you’re only taking a single trip in the year or want to share driving duties with someone, as you can add other drivers to the policy. If the case goes to court, you could also be disqualified from driving. Not everyone with fully comp cover is eligible for this extension on their policy. This essentially works like fully comprehensive cover. This cover only applies to the policyholder not to the named drivers. It used to be the case that cover for driving other cars (DOC) was included by most insurers on comprehensive car insurance policies. This includes damage caused to your car when it is unattended, such as a vandalism incident or a hit and run. LV provide various forms of car insurance cover, including: Third Party, Fire & Theft Third party cover is the minimum insurance required by law in the UK if you are driving a vehicle on public roads. Driving of other cars* is … That's why some insurers no longer offer this cover. Comprehensive car insurance is the highest level of cover you can buy from us. “Driving other cars” cover meets only third-party liability. What does fully comprehensive car insurance cover? If you're on holiday and want to know if you're covered to drive a hire car, depending on the country you are travelling to, you may be legally obliged to have three types of basic insurance. Some restrictions apply, check your MotorCare policy booklet for details. This can be particularly useful for couples who have two cars and want the use of both of them. This means that at best you'll only be covered for any damage you do to other people and vehicles (not the vehicle you're driving) and at worst, you won't be insured at all. Are you insured if you borrow someone else's car? Driving Other Cars (DOC) Car Insurance As part of your car insurance policy some car insurance companies will provide third party cover to drive other cars. We use cookies to make sure your experience is as good as it can be. A few years ago, cover to drive other cars was a standard feature of most comprehensive car insurance policies. You can become a named driver on someone else's insurance for a while, or you can take out a separate policy temporarily for the car you want to drive. If you do not have this cover please check with the owner of the car, as you may be covered to drive under the terms of their insurance policy. In an accident, a third party policy covers the other person's car and property but not your own, while fire and theft protects your car if it's stolen or damaged by fire. The insurance will only cover any damage to other cars in the accident. Are additional drivers on my car insurance policy insured to drive other cars? Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy. Before driving someone else's car, you must have the owner's permission and their car must have valid insurance already. Your car must be in a driveable state, i.e. She, as the named driver, is able to drive other vehicles with owners permission. Things I wish I'd known before I had an accident, European car insurance and driving abroad, Even if you're comprehensively covered on your own car, don't assume you're insured to drive other people's, There are severe penalties for driving without insurance, so it's best to check you're insured for driving other cars before you set off, If you plan to drive the same car several times throughout the year, consider adding yourself to the insurance policy as a named driver. Not everyone with fully comp cover is eligible for this extension on their policy. It is also worth noting that named drivers on a policy have the same facility as the policyholder, so if you have comprehensive insurance cover as the main driver, then any named drivers will also have fully comp insurance and if you are allowed to drive other cars… However, where most policies will only cover certain personal items like mobile phones or sat nav systems against accidental (e.g. It also needs to state on your certificate of motor insurance that you have the DOC extension. Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. You can access this document in your MyAXA account . Comprehensive insurance and driving other cars. Who can have the driving other cars extension? This covers any amounts you are legally liable to pay if someone else is injured or killed or their property is damaged, but not any damage to the car you’re driving. But is this the case? When it comes to driving other people’s cars, a lot of people believe that if you have a fully comprehensive policy on your own car then you’ll have third party cover from your insurer on someone else’s car. If you choose a comprehensive or a third party fire and theft policy, you may be covered to drive another person’s car (with their permission) on a third party only basis. £19.90 Receive a lump sum payout of £100,000 for a serious injury (our standard comprehensive policy … Even if the car you plan to drive is insured, you also need to be insured to drive it. A fully comprehensive auto insurance policy is also referred to as full coverage; Full coverage policies typically include at least liability, comprehensive, and collision coverage. What is a named driver? Insurers are understandably wary of drivers who have been caught without insurance, so you may struggle to get your vehicle insured in the future as well. Have a look at your policy documents to double check you're covered and make sure you've got the owner's permission to use their car first. If an insurer suspects fronting has taken place, they can refuse to cover costs for damage and withdraw the insurance. This is because young drivers are considered by most DOC cover was originally offered as an option for use in emergencies and wasn't intended to be used as a way to drive other cars on a regular basis. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. Driving other cars is a policy extension which lets you drive somebody else's car, that is not owned by you, hired or leased to you or a company car. You’ll need to check the terms and conditions of your comprehensive car insurance to see if … Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy. LV= multi-car cover provides a discount to customers looking to insure more than one vehicle on the same policy. A fully comprehensive car insurance policy will come with all of the accident and third party-liability cover than you can expect from any standard policy. You can only use the car in the UK for the purposes stated on your certificate. Or at the very least, third party cover. Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. Unfortunately, it's not that straightforward. It doesn’t come as standard on all policies. DOC cover was originally offered as an option for use in emergencies and wasn't intended to be used as a way to drive other cars on a regular basis. However, not all car insurance companies offer a ‘Driving Other Cars’ option, so you should never assume that you are covered – always check your car insurance certificate before you drive someone else’s car. There is a common misconception amongst policyholders who think that because they are aged 25 or older and have comprehensive motor insurance they automatically have the driving other cars extension.This has led to numerous people gaining convictions for driving without insurance. In a nutshell, comprehensive cover pays out if you damage your car, someone else's car or injure someone in an accident, regardless of who is at fault. However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim. Answer. Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. where you often drive other cars. If it’s included, ‘it may be only on a third-party basis regardless of the cover level of your policy,’ says a Saga Car Insurance spokesperson, adding, ‘DOC cover is intended for infrequent use and shouldn’t be used to drive other vehicles regularly.’ It includes a guaranteed hire car, seven-day car repair, personal possessions cover and more. If, for example, you borrowed your neighbour’s car when your vehicle was in the garage, you would more than likely be covered by your own insurance. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. Comprehensive car insurance also covers you against fire and theft. Answer. not written off. This article contains links to other sites, and we're not responsible for the contents of any of these websites. If you’d like to know more or are interested in adding this benefit to your policy please give us a call on 01 448 48 48 and one of our customer service representatives will be delighted to help. The 'driving other cars' extension was once an … Driving Other Cars (DOC) provides Third Party Only cover and is restricted to policyholders only and will not apply to policyholders aged under 25 and/or policyholders engaged in the motor trade. For all life insurance, investments retirement support. I've changed my car, how do I transfer my existing car insurance to my new car? Comprehensive car insurance like its name suggests offers the widest range of cover. The driving other cars, or DOC, extension is a benefit included in some car insurance policies. 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