Can I drive my sister's car?

Jo Carlowe / 27 February 2019

Find out if having a fully comprehensive insurance policy automatically means you can drive someone else's car



Question

I’m staying with my sister and she has said I can use her car. I’m not a named driver on her policy, but we both have fully comprehensive insurance. Are we breaking the law?



Answer

Driving other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. If it’s included, ‘it may be only on a third-party basis regardless of the cover level of your policy,’ says a Saga Car Insurance spokesperson, adding, ‘DOC cover is intended for infrequent use and shouldn’t be used to drive other vehicles regularly.’

Six obscure motoring laws you might not be aware of

If DOC isn’t included in your policy, it’s illegal to drive your sister’s car unless you’re named on her policy or have made alternative arrangements.

Beware the middle lane hog fine 

Ask her to call her insurer and add you as a ‘named driver’ temporarily on her policy, or obtain separate short-term cover for the time you’re sharing the driving. 

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The opinions expressed are those of the author and are not held by Saga unless specifically stated.

The material is for general information only and does not constitute investment, tax, legal, medical or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation.