Can I drive another car as a named driver?
Asked by: Glennie Dickinson | Last update: July 25, 2023Score: 4.6/5 (24 votes)
If the other vehicle you want to drive is on your named driver policy. Unless there's specific language in your policy that states otherwise, you should be able to drive any car that is covered on the policy as long as you're a named driver.
Can you drive another car if your only a named driver?
Can I drive my partner's car? As we've seen, driving other cars (DOC) insurance isn't usually included as part of a fully comprehensive policy. Unless your policy states otherwise, you'll only be able to drive your partner's car if they've added you as a named driver or have a family or any driver car insurance policy.
Can I drive another car if Im fully comp?
Having fully comp insurance on your own vehicle doesn't mean that you're fully comp on someone else's. If your insurance provider does allow you to drive a different vehicle, it's likely that they will only provide third party cover as a maximum.
Can someone drive someone else's car?
As long as she's given you permission to drive her car, it should be no problem at all. In most cases, you're allowed to drive someone else's car, as long as it's covered with insurance.
Can you be a main driver on two cars?
The main and named driver have the same level of cover on the car. But a named driver could be the main driver on another vehicle. You can be the main driver of more than one car. But insurance companies will often question it... to check for fronting.
How to insure yourself to drive someone else's car
How many cars can I be named driver on?
Rules vary between insurers but some will let you add as many as three named drivers to your policy. Choose from a range of policy options for affordable cover, that suits you and your car.
Can I drive a car not registered in my name?
You can only legally do so if you have DOC cover in place or you're already insured on the other person's car. If you're not, you won't be legally permitted to drive the car – even in an emergency.
What is the penalty for driving someone else's car?
If the case goes to court you could get an unlimited fine or be disqualified from driving. The police also have the power to seize, and in some cases, destroy the vehicle that's being driven uninsured.
When can I drive someone else's car?
You can drive someone else's car if you have DOC insurance or you are a named driver, but otherwise you mustn't do so.
Does my car insurance cover other drivers?
The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. Driving other cars cover is usually only available on a comprehensive car insurance policy, so if you have third party (or third party, fire & theft) cover, you won't be covered to drive any other cars.
Can a named driver drive another car Admiral?
Can I drive anyone else's car? If you're the policyholder and you're aged 25 or over, then Admiral may be able to arrange third party cover for you to drive someone else's car. However, just being over 25 doesn't guarantee you'll be able to hop into a friend's car and take it for a spin.
Can I drive my friends car UK?
Before driving someone else's car, you must have the owner's permission and their car must have valid insurance already. You can only use the car in the UK for the purposes stated on your certificate. The extension to drive other cars only applies to the policyholder and NOT named drivers.
Does the main driver have to own the car?
But the main driver doesn't necessarily have to be the owner or the registered keeper. This is pretty common for married couples. If you're married, one of you can own the car and be the registered keeper. But if your spouse drives the car more often than you do, they'll need to be listed as the "main driver".
What does named driver on another car mean?
A named driver is someone who is insured to drive a vehicle in which another person does most of the driving. When driving that vehicle, the named driver will have the same level of cover as the main driver. They may also be referred to as an additional driver.
Is being a named driver cheaper?
Adding a named driver to policy can reduce your premiums, as well as making it cheaper for the named drivers to be insured, especially if they're a young driver.
How do I know if I am insured to drive someone else's car?
How do I check to see if I'm allowed to drive another car? If you're not already added as a 'named driver' on their policy, then another way to find out whether you're covered to drive another person's car is to check your car insurance policy wording. This was sent to you when you took out your cover.
Does being a named driver affect my own insurance?
No. Being listed as a named driver on someone else's policy does not affect your own car insurance if you are involved in a road traffic accident. If you were to have a car accident while driving another person's car as a named driver, you would need to claim on the main driver's insurance policy.
Can I drive Relatives car?
There is no restriction as such for driving a vehicle registered in another person's name as long as the registration papers of the vehicle and your licence are current. No police officer can fine you for just driving a vehicle belonging to another person on that ground only.
Can I drive someone else's car without insurance?
It might be an emergency or you may have permission from the car owner, but that doesn't mean it's legal. Unless you're a 'named driver' on their car insurance, you almost certainly won't be insured. And both the driver and car owner can run into trouble if caught without the necessary cover.
Can I insure a car if I'm not the registered keeper?
You can insure a vehicle you don't own, but you must tell the insurer that you're neither the registered keeper nor the owner. The registered keeper is the person named on the registration certificate; the owner is the person who bought it.
Can someone else insure my car if the title is under my name?
While the person who owns the car is usually the one who insures it, most states will allow someone other than the owner to pay for a car policy. However, many driver's insurance providers will only insure a car if the policyholder and car owner are the same.
Can I Tax a car if I'm not the registered keeper?
You can only tax the vehicle if you are the owner, as a V5C only proves you are the registered keeper of said vehicle. The Government website reads: "If you buy a vehicle that doesn't have a V5C vehicle registration certificate (log book), you may not be able to tax it.
How much can you drive as a named driver?
Any named driver can use your vehicle occasionally. That means they shouldn't be the permanent driver, nor should they be regularly using the vehicle, for example for driving to work. If someone is named as an additional driver but in fact has main use of the car, this is called fronting, which is illegal.
Can I be a named driver on 2 policies?
Can I drive any car on a multi-car policy? You can only drive the cars on the policy that has you listed as a named driver.
How does being a named driver work?
If you drive someone else's vehicle then you will not be covered by their (the main driver) motor insurance policy – you must become a named driver on their policy. As a named driver you will be given the same level of cover as the vehicle's main driver.