Comprehensive car insurance policies sometimes include Driving Other Cars (DOC) cover, which insures you to drive someone else’s car in an emergency, as long as you have their permission. “Driving other cars” cover meets only third-party liability. If you’re happy with that, just continue using the site. © 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. 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. Before driving someone else's car, you must have the owner's permission and their car must have valid insurance already. Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. That's why some insurers no longer offer this cover. Compare companies that offer comprehensive car insurance. Make a complaint. And those that do often provide only third party cover. 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. Comprehensive car insurance like its name suggests offers the widest range of cover. All content is approved by our in-house advisory board of experts. Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. It only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. You can access this document in your MyAXA account . fire) damage and theft, with a fully comprehensive policy, your whole car will be covered. 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. Section 2: Comprehensive 11 and Comprehensive Plus Cover options 15 Section 3: Motor Legal Cover 15 Section 4: Guaranteed Hire Car Plus 19 Section 5: Protected No Claim 21 Discount (NCD) Where you can drive 22 Losses we don’t cover 23 Other conditions you need to know about 25 How the policy works 26 Everything else 30 Glossary 31 There are two other types of insurance you can choose: third-party fire and theft (TPF&T) and third-party only (TPO). If your vehicle is involved in an accident, stolen or set alight it will be fully repaired or written off and the insurer will pay out the current market value of the car. DOC allows you to drive another person’s car, with the owner’s permission and be covered by your own insurance policy. Third party, fire and theft insurance covers you for damage to other vehicles and people, plus it covers your own vehicle … Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. 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. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. Aside from adding an experienced driver to your policy or adding yourself to an experienced driver’s policy, you should also consider the following ways to get a cheaper car insurance quote: Choose fully comprehensive: Fully comprehensive car insurance policies offer the highest level of cover, and they’re also usually the cheapest. 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. It’s a common misconception that comprehensive car insurance covers you for driving other people’s cars. Insurance to drive other cars (DOC) cover used to be a standard feature of comprehensive insurance policies, but it’s rare these days. Comprehensive car insurance, also known as ‘fully comp’, is the top level of (non-business) insurance you can get for your car. She, as the named driver, is able to drive other vehicles with owners permission. You can add up to 6 cars and 12 drivers to a single policy as long as they are all registered to the same address and can select a specific date for the insurance on your various cars … If you’re happy with that, just continue using the site. Money. If you claim the parent and more experienced driver is the main driver, but the less experienced and younger driver actually uses the car most often, this is considered fraud. 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. Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. I've changed my car, how do I transfer my existing car insurance to my new car? If your policy includes cover for driving other cars it will be shown under section 5 of your Certificate of Motor Insurance and will mean 1 ST CENTRAL will provide Third Party only cover for any accident involving the car, while you’re driving it. Can I drive any car if my policy is third party or third party, fire and theft? You can also claim if you have accidentally damaged your car, for example reversing into a garage door. If you're the policyholder or NCD holder with LV= comprehensive car insurance, you'll usually have third party cover to drive other cars as well. ... For all your car, home, travel, pet and other insurance enquiries. A fully comprehensive policy gives you peace of mind that you, your car and any others involved will be covered in the event of an accident. If I hire a car whilst my car is being repaired, using my own garage, will I be covered under my car insurance? 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. Driving Other Cars is popular because it gives you flexibility if you need to drive someone else’s car. 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. A friend of frugal ways came unstuck, when they discovered the fully comprehensive van insurance they had, did not cover them for driving any other vehicle, even though it had in the past. 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. Answer. Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. You’ll need to check the terms and conditions of your comprehensive car insurance to see if … Answer. Comprehensive car insurance, also known as ‘fully comp’, is the top level of (non-business) insurance you can get for your car. The driving other cars, or DOC, extension is a benefit included in some car insurance policies. It's illegal to drive without at least third party insurance. Fully comprehensive car insurance is the highest level of cover you can take out for your car. If an insurer suspects fronting has taken place, they can refuse to cover costs for damage and withdraw the insurance. LV= multi-car cover provides a discount to customers looking to insure more than one vehicle on the same policy. The policyholder can ask their insurance company to add you to the insurance policy, so you'll know you're insured every time you use the car. Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. 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. However, where most policies will only cover certain personal items like mobile phones or sat nav systems against accidental (e.g. Life, Investments & Pensions. With Admiral, this means the temporary cover you have can be fully comprehensive even if your existing policy is third party, fire and theft. If you have a policy with us that already includes the benefit of driving other cars, this extra benefit increases the cover from third party only to also include cover for any damage to the vehicle you are driving. 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. If you need further help you can call us on 1890 24 7 365 , but please be aware that, due to measures put in place to prevent the spread of COVID-19, you may have to wait longer than usual to speak to someone. If you have comprehensive car insurance on your own car, you might just assume you'll have the same level of insurance for driving other cars. Menu ... Find out more about car insurance and driving other cars. It provides coverage for you and your vehicle as well as other road users – more than you get with third-party, fire, and theft and third-party policies. 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. But you will need permission to drive from the owner of the other car. 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. Comprehensive car insurance also covers you against fire and theft. A few years ago, cover to drive other cars was a standard feature of most comprehensive car insurance policies. It's different to third party insurance, which only covers the damage you do to other vehicles and people. Are you insured if you borrow someone else's car? 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.’ Please refer to your Certificate of Motor Insurance for confirmation that you have this cover, or call us on 0345 246 8701. So, what are car insurance groups and how could they affect your insurance? Many comprehensive car insurance policies don't automatically allow you to drive other cars at all. This cover only applies to the policyholder not to the named drivers. Driving of other cars* is … So, if you have a fully comprehensive policy, you will get comprehensive cover when you drive in Europe too. If someone else pretends to be the main driver, but you drive the car most often, this is called fronting and is not allowed. If your policy includes cover for driving other cars it will be shown under section 5 of your Certificate of Motor Insurance and will mean 1 ST CENTRAL will provide Third Party only cover for any accident involving the car, while you’re driving it. However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim. However this is not always offered as standard you will need to compare car insurance to see which insurance policies include European full comprehensive cover. 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. 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