In reply to Tyler: As Woolsack says, they can drive your car and have insurance but it is only third party, if they prang it they can walk away and you have no comeback. When selling motorbikes test rides are usually only given when the prospective buyer has left the full asking price in cash as a deposit. Count it, seal it in an envelope and you both sign across the seal so you both know it hasn't been tampered with after the test ride. It sound a lot of hassle but it is the only safe way.
In reply to Tyler: Funny how lassez faire it is in NZ: here they just throw you the keys any away you go for a spin! I felt strict asking for the other guys keys as security. In reply to Tyler: Not necessarily! Some of the really cheap insurers elephant, shielas wheeks Aviva and AXA do - my parents are with them. Mine specifically says i'm not even though i'm fully comp. In reply to Tyler: You're right, being Fully Comp does not immediately give you Third Party on other peoples vehicles.
I think for some insurers it goes on automatically but not until you're In reply to damowilk: Same in Finland - the car is insured not the driver, so anyone is covered to drive it. Makes life very simple although I've never worked out the insurance companies can price in risk in anyway!
In reply to Tyler: Depends on the policy. Always check the policy. It's usually third party only. In reply to Tyler: It depends entirely on the policy wording.
My insurance definitely covers me on other people's cars with permission. I think it depends on how high risk they see you as to whether they include it or not. Just ask them to bring their cover note with them so you can check. Alternatively, get them to insure via one of those insurance by the day websites. Seems to be some misunderstanding of the OP here, despite the OP and thread title being quite clear. Tyler is talking about people who have their own fully comp insurance assuming that this covers them on other cars third-party only.
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Listen to podcasts and books for less with these offers. Virgin Media - Broadband and mobile. Get the ultimate broadband and entertainment bundle. Vodafone - Mobile deals. Gtech - Electronic deals. Have a clean house and save money with these offers. Home Top Share. Driving other cars cover is an add-on intended to allow you to drive other cars in an emergency, and will not extend to other cars you own.
Depending on your driving experience, it could even help to cut the cost of their cover. Temporary car insurance: Alternatively, you could consider temporary cover if you plan to borrow their vehicle as a one-off. You can even get one-day cover to drive someone else's car. Temporary car insurance is a short-term car insurance policy that typically lasts between one and 28 days, sometimes longer. It's illegal to drive without insurance The only exception is when you're hiring a car or taking driving lessons in a professional instructor's car, as the insurance will be included in the cost of the hire car or lesson.
Perhaps, but the same rules apply if someone else wants to borrow your car. To be covered, they will either need to have DOC cover, be added to your own insurance policy as a named driver or take out a temporary policy. A temporary insurance policy may be a good option if, for example, your son or daughter wants to drive your car while they are home from university, and they're not covered on your insurance.
Car insurance extras and add-ons explained. Car Insurance Fronting and its Repercussions Uswitch. Is Your Car Insurance Valid? We use cookies and similar technologies. You need to check your policy. If you specifically want a car insurance to drive any car you may be able to find a policy that offers it.
However, some people will have problems arranging DOC insurance:. A frequent exclusion from DOC cover is partners or family members living at the same address. The table below shows roughly what it will cost you to insure an older Group 1 car in different circumstances — we assumed a driver over 40 with a clean licence and five years No Claims Bonus as the single driver, but of course the mix of named drivers could change the second total.
That effect up or down will depend on whether the insurance company thinks the second driver is a better or worse risk than you are.
If you are a young driver and you add a second driver who is experienced, over 30, and has a 5 year no claims bonus, you might see your premiums reduced. However, make sure you tell the truth about who is the main driver. It could invalidate your insurance. But this might not apply to DOC cover.
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