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Non car owner insurance?
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Non car owner insurance?

Can I get insurance to drive cars if I don't own one?

I have friends who will let me drive their cars but I want to get my own insurance. I don't want to risk their no claims in case of an accident and if I don't have an accident I want to build up my own no claims but I can't find anywhere that does this....


    




Bardic
Rating
Not in the UK, which is where I believe you're from. T'other guy is talking about US procedures. Here, you see, insurance is based on both the particular car and particular driver. There can only be one insurance policy per vehicle, I'm afraid.

For the legal eagles, it revolves around a principle known as "betterment".

f you have a particularly magnanimous friend he can add you to his insurance as a named driver and I suggest you undertake to pay anything that this might cost him!


Timbo is here
You could get the cover but it will cost you an arm and a leg as you will need cover to drive anything up to and including six figure supercars.
You cannot build up a no claims without a vehicle based policy.

That is why you cannot find cover that will do this as no one does it.


Gambit
A few insurers (and I mean few) offer Non-Owner's policies that will cover you for the legal liability that comes from driving vehicles you do not own or use regularly. There are a few things you should note though:
a) It covers you, not the owner of the vehicle. So if you get involved in an accident which is your fault your policy will afford no liability coverage for your friends. They will have to use their policy to cover them, which means they will lose their discount anyway;
b) The coverage is secondary. The vehicle's policy responds first, then your policy responds;
c) If the vehicle you're driving is not insured your Non-owner's policy will not prevent you from receiving a ticket for driving without insurance, since the vehicle needs to be insured in order for it to be on the road.





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