 
|
Sparky
 |
Your friend is right. If the car insurance is in your name, you can drive anyone elses car. It does not matter which type of car insurance you have. You cannot do this as a named driver. |
|
badboy...???
|
You can drive any car on full comp insurance as long as you have the owners consent..hope this solve's your problem |
|
Bria
 |
Generally, in most countries, you insure a car not a person. So you can drive any insured car, providing you are licensed and not driving over the alcohol limit. Some insurance omits people under 21 or 25, but generally it covers everyone driving. |
|
kelly_f_1999
|
you insure the car
and most insurance companies like the drive to be listed with car they driving but you cant buy car insurance without a car so thats kind of a scam they have going if car has insurance its covered to be on the road now if you have a wreck cops dont care whos driving if its covered if you got license to drive legal now if insurance covers it sometimes they do sometimes they dont |
|
dave
 |
if you are fully comp you can drive anything cars, boats, planes and of course spaceships |
|
Smoby J
|
Yes.
BUT - Most insurers only allow people over 25 to drive other peoples cars.
I always check with my insurer when taking it out , also it usually states within your policy what your insurance allows you to do.
When I last insured my car few week ago , I asked all insurers what age if i was eligable to drive other cars as a 3rd party and they said not untill I am 25.
It used to be 21, both check with your insurer and dont get caught out! |
|
racysilver (n.a.t.a.f.)
|
I'm F.Comp. But owner and one named driver only. Cuts down risks of just anyone driving. |
|
COLIN T
 |
Check the wording in your policy. Quite a few comp policies no longer allow this. Few allow it to under 25's and the cover, when there is third Party only. |
|
WelshLad
 |
No, it depends on what the insurance certificate states. |
|
ravenjudge
|
"fully comp" what? if you have comprehensive and collision coverage, then YOUR car is covered and liability coverages, property and bodily injury, pay on your behalf to someone else, and if you borrow your friend's car, in some states YOUR personal injury protection (or no-fault) covers you while her policy covers her car, BUT if you drive it more than twice in 6 months, you should be listed as additional driver to keep the company from denying coverage for an undisclosed driver(which is fraud) |
|
Scouse
|
It depends upon the exact terms of your policy. Usually you can but a word to the wise if you do you will only have third party cover. This means that if the accident is your fault will have to pay for the car you are driving to be repaired. It is better to get the owner of the other vehicle to have you as a named driver. It will cost him more but if you are driving it regularly it may be worth while getting this done and paying the extra |
|
Matt
|
it depends on who the insurance provider is, also your age i believe, if your over 25 they dont usually have a problem, My brother is fully comp with endsleigh and he is 22 and he can only drive his car. |
|
DABS
 |
Yo can each drive any car - with the keepers permission,and you do not need to be a named driver either.
However
Your level of cover on any car other than your own is only 3rd Party
so be aware.
Drive safe |
|
Stuart C
|
Check your insurance documentation, it will tell you. There are to many variables, it depends on the insurance company, you have to be at least 21 with some companies even older, your job can even effect whether you get the entitlement to drive other vehicles. The cover would then be third party only.
Your friends insurance will not cover you unless you are named on the policy, it is highly unlikely that they have any driver insurance as this is very expensive.
It doesn't matter what level of cover you have so long as you have insurance in your name because the legal minimum in the UK is third party only and that is the minimum you can obtain. |
|
Chris A
|
it can vary depending on the insurance company so make sure you check with them first but generally if your fully comp then your allowed to drive any other car so long as it ain't another car in your name (otherwise you could carry out a million cars under one policy which wd b a bit insane) but so long as its in someone elses name, they are also covered on fully comp and you have their permission in advance of any use of it |
|
J R
|
you can but you will only be coverd third party,to drive any car on fully comp you will need a block ins policy, which you can only get if you are in the motor trade. |
|
david h
|
Most uk insurance companies allow the main named driver of the policy to drive other cars with third party only cover.
Make sure before you drive by checking with your insurance comany that this is the case as their may be exceptions.
Better safe than sorry !!
Note the cover is third party only !!!!! |
|
Matt
|
Most people have got it right here:
Basically you should check what your policy documents say as they will differ from company to company.
In general its accepted that if you have fully comp insurance then you can drive someone elses car, but your cover will only be 3rd party. Some companies will vary from this so as already said, best to check first.
Named driver on your fully comp policy means that thise people are also insured fully comp on your car, but it does not exclude other drivers from driving your car, but you would have to make sure that THEIR insurance covers them, because yours wont. |
|
CrystalZephyr
|
It depends on your insurer, but generally yes but only if you are over 25, and then it will only be 3rd party fire and theft.
Check your policy, it will state there whether you can. If in doubt, and you want to drive the car on a regular basis, it's best that you are a named driver |
|
daniel456079
|
You can drive someone else's car providing you have their permission and you have a full driving licence and the other car is insured,plus the policy tells you that you can. Even fully comprehensive policies differ, they could be sole driver for instance .Best to read your policy. I'm assuming you come from the UK where it is the person that is insured and not the car. |
|
Away With The Fairies
|
Are you in the UK? Every policy is different. You'll need to contact your insurer to be certain. But even if you are covered, it would only be 3rd party. |
|
Roosh
|
Depends on the terms on the policy. Some fully comp policies will allow the policy holder (as opposed to a named driver) to drive other vehicles third party. You will need to check the policy documents.
Beware of answers saying you can etc. Policies differ. The only sure way of knowing is to read the policy. |
|
old know all
|
If you've got fully comp insurance, it's quite common for you to be covered for other vehicles - but not every insurance company does this. It's only comprehensive for the car that's insured. If you drive someone else's car and you're not covered by there insurance, it only provides the very minimum cover you need to be legal. |
|
photog
|
Most companies are now taking out the clause which allowed you to drive any car.
Check your policy, it will have something like "policy holder can drive any car with permission of the owner but will only be covered 3rd party blah blah".
If something along those lines is not on the policy then you can't drive other cars. |
|
aty
|
does any one know n e insurance companies that will allow you to drive a car 3rd party if you are 23 or over rather than 25+.... |
|
|
|
|
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
