What insurance do you need to drive any car?

Asked by: Prof. Edd Konopelski  |  Last update: August 2, 2022
Score: 4.8/5 (17 votes)

If you're specifically listed on the car owner's insurance policy, you'll be covered when driving that car – even if it's not your own. If you're not on the owner's policy, applicable coverage will again depend on consent.

Can I drive another car on my insurance?

Your car insurance policy needs to be a fully comprehensive one. The other car must have insurance already. Your car must be in a driveable state (ie, not written off) Your occupation cannot be in the motor trade (ie, where you often drive other cars)

What insurance do you need to drive any car UK?

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 I drive another car if I am 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 I be insured to drive any car UK?

I have a fully comprehensive car insurance policy, can I drive anyones car? You won't necessarily be able to drive any car under a comprehensive policy. Check the policy documents before you take out your car insurance to make sure you're covered.

What insurance can you drive any car

20 related questions found

Is driving someone else's car illegal?

Under standard car insurance policies, you will be okay to drive someone else's car. It should go without saying you need the owner's permission to do so, or else your cover will not be valid.

Can I drive any car with AXA?

This means you can enjoy the same comprehensive cover you have on your own policy when driving other cars that are not owned, hired or leased by you. You can access this document in your MyAXA account.

Can I drive a uninsured car with my insurance UK?

It's illegal to drive a vehicle on a road or in a public place without at least 3rd party insurance. Even if the vehicle itself is insured, if you're not correctly insured to drive it you could get penalised.

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.

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.

Can police see who is insured on a car?

Police can easily tell if a vehicle is insured using Automatic Number Plate Recognition (ANPR) cameras that instantaneously read number plates and check them against the database of insured vehicles at the Motor Insurance Database (MID).

Can I drive a friend's car in 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.

Can you drive anyones car at 25?

At MORE THAN we believe it's better to be added as a named driver if you want to drive someone else's car. We don't insure anyone under the age of 25 to drive another person's car. This is also subject to your occupation, plus, drivers over the age of 25 should not believe they are entitled to drive someone else's car.

Can I drive someone else's car with comprehensive insurance 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 girlfriends car without insurance?

Driving Someone Else's Car Without Car Insurance

You can not drive a vehicle in California without insurance, and you or the person you're borrowing from, must have insurance to legally drive.

Do cameras detect no insurance?

In general, number plate recognition cameras can detect or be used to calculate the following: Average speed of vehicles. Untaxed vehicles. Uninsured vehicles.

Is driving without insurance illegal?

In short, it's a form of fraud. If you attempt this strategy to avoid paying higher car insurance premiums, you could find your claims go unpaid and your policies cancelled entirely, especially if you get in an accident.

Can I keep my car on the road without insurance?

It is illegal to drive a vehicle on a road or in a public place without at least 3rd party insurance. Even if the vehicle itself is insured, if you're not correctly insured to drive it you could be considered to be driving without insurance and could get penalised.

What happens if someone wrecks your car and they aren't on your insurance?

That means any damages to the car you've borrowed won't be covered by your insurance and you may need to pay out of your own pocket. The car owner's insurance is not likely to cover the damages unless you're a named driver.

Can someone drive my car if they are not on my insurance progressive?

As long as you gave them permission to drive your car, then they should be covered. Their policy extends to your car and covers them the same way as if they were driving their own car. Damages they cause to others' cars, property, or even injuries are covered.

What happens if my friend crashes my car?

Your insurance generally pays for the friend's crash, as long as your friend is a licensed driver and doesn't regularly borrow your car. (if they're a regular driver of your car they should be listed on your policy anyway.)

What are the 3 types of car insurance in UK?

There are three main types of motor insurance:
  • Third party. this is the minimum cover required by law in the UK. ...
  • Third party fire and theft. basic third party cover with added protection against your vehicle being damaged, stolen or destroyed in a fire.
  • Comprehensive. this is the highest level of cover available.

Can I drive a uninsured car with my insurance UK?

It's illegal to drive a vehicle on a road or in a public place without at least 3rd party insurance. Even if the vehicle itself is insured, if you're not correctly insured to drive it you could get penalised.

Can you drive another person's car?

Every once in a while you may need to drive someone else's car. 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.

What makes a car road legal in UK?

These include getting a driving licence, registering, insuring and taxing your vehicle, and getting an MOT.