What ways can you insure yourself to drive any car?

What ways can you insure yourself to drive any car?

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Many different factors can affect the cost of car insurance, from the type of car and number of previous claims, to the driver’s age and address. With so many variables, it might seem easier to ask: can you insure yourself to drive any car?

Never assume you’re covered

There are lots of instances when it might be convenient to drive someone else’s car; perhaps you’re doing them a favour by giving a lift before a holiday, for example, or maybe your car is out of action for some reason and a friend lends you theirs for a day or so. Whatever the reason, do not assume that your policy or theirs covers you to drive a different vehicle, so ensure you check before you get behind the wheel to avoid the consequences of being caught driving without insurance.

Can you insure yourself to drive any car?

Some insurers will issue cover for other cars, known as Driving Other Cars, or DOC, as a clause in a fully comp policy, though it is much more unusual in a third-party policy. Generally, this clause would only be intended as emergency use, so be sure to read the fine print carefully; if you intend to drive another vehicle regularly, it might be worth looking at becoming a named driver.

What are my options?

Depending on your circumstances and what you need cover for, there is usually something suitable. Becoming a named driver on the car owner’s policy is a common and straightforward option, particularly if you know you will be driving the car several times over the course of the policy. Perfect for cover for your partner’s car, for example. You can also look into temporary car insurance to cover you for a finite period of time. Perhaps you’re going on a long journey and want to share the driving. This tends to be available for drivers of 25+, as younger drivers are generally seen as a higher risk by insurance providers.

Lending your vehicle

Of course, there might be a similar situation when you need to or want to let someone else drive your own car. Don’t assume they are automatically covered. Instead, weigh-up whether they would be better off with temporary cover, or whether adding them to your policy as a named driver would be a better option. If you opt for the latter and they are then involved in a claim, your no-claims bonus might be affected, whereas on their own temporary insurance, your no-claims bonus is unlikely to be affected, and shouldn’t result in a big increase in your premium come renewal time.

Adding a relative as a named driver can be a useful way of making sure that they are always covered to drive your car, but don’t be tempted to try and save money by claiming a second policy in your own name on their car and naming them as a driver. It is illegal, and known as ‘fronting’ in the industry.

In short, the answer to the question ‘can you insure yourself to drive any car?’ is yes, and the simplest way to make sure everything you need from your policy is covered is to call your insurer and talk them through your requirements.

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