Can i drive cars other than my own with third party, fire and theft insurance cover?

S17V

Anyone can drive someone elses vehicle - with permission and as long as they are not an excluded driver on the vehicle's insurance policy.

The vehicle you are driving - if it has insurance - it will be considered primary, and then your own insurance would be considered secondary.

Bardic

If you have tpf&t, no. That privilege only comes with some fully comp policies.

shelly w

no not unless tou specified you wanted to when you started your insurance and this may cost you extra

ChocLover

Not on a 3rd party F&T policy. If you have fully comp you may be entilted to drive someone else's car, with their permission, but this will only cover you for 3rd party. Check with your insurance company/broker to be sure.

rowdy

Insurance policies differ - the only way to answer this is to look at your policy and see what it says.

leigh

check your policy but i am covered third party fire and theft and i am covered third party on any vehicle as long as it is not a motorhome, 4x4 or a comercial vehicle!!!

puggtiracer

If it says

"The proposer may also drive a motor car not belonging to the proposer and not hired to him under a hire purchase agreement", then you ARE covered.

It means you can drive a car AS LONG AS you are not buying it on a HP agreement. Also, the other car you want to drive CANNOT be registered to yourself, or owned by yourself.

Obviously, you also need the owners permission!

If you are in any doubt, contact your insurer.

WelshLad

Check your doucments, as mine states I cannot drive other cars, and I'm fully comp

pinkcuddlez

no you need to be fully comp

-Stuart-

Unlikely - check your insurance certificate.

This benefit tends to only come with Comprehensive policies, but is not guaranteed even then. Insurance companies are increasingly restricting this feature for drivers with a less than perfect record.

The original Peter G

Maybe, maybe not. This used to be a general addition to policies, but as it was being abused some cheaper policies no longer include this. Look and see if your certificate has the words "The policyholder may also drive a vehicle not owned....." Note the other vehicle must have its own cover as well.

Enchanted

Full coverage is required to drive any car other than your own.

janemull

it will tell you on your insurance policy

kimbles

no you need to be fully comprehensive to be able to drive other peoples cars!

haysi0

i am 3rd party f&t and i have cover to drive other peoples cars, as i requested it when getting the quote.
Check your policy

welcome news

As I previously answered on a similar question: maybe.

The decision of an insurance company to allow a proposer to drive other people's cars (for third party only cover remember) does not usually depend on whether the cover on the proposer's vehicle is comprehensive, third party fire and theft or third party only. The insurance companies use other factors such as age and occupation before deciding whether or not to allow this benefit. (Usually under 25s and motor trade employees do not get the benefit)

Look at your certificate of insurance. If it does NOT say:

"The proposer may also drive a motor car not belonging to the proposer and not hired to him under a hire purchase agreement" - or words to that effect - then you are NOT covered.

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