Find out if having a fully comprehensive insurance policy automatically means you can drive someone else's car
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?
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.’
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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.
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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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Jo Carlowe is a freelance journalist and contributor to Saga Magazine.