Whether that's fully comprehensive or third party fire & theft. Comprehensive policies are the most likely to include cover for driving other vehicles, but you’ll need to check this with your provider before you jump behind the wheel. Answer Save. Third party insurance does not cover anything else, including repairs needed to your car, cover if your car is written off or cover in the event your car is stolen or destroyed in a fire. I am the named driver on my girlfriends car, I rarly use it. As part of your car insurance policy some car insurance companies will provide third party cover to drive other cars. Cover to drive other cars is becoming less common with many insurance companies requiring drivers to be 25 or over before they provide this cover, other insurers have withdrawn this cover entirely. Coronavirus: Impact on drivers and car insurance. You can protect your classic car on a single-car policy or you can add it to your multi-car cover. You'll find it under section 5 called 'Persons or classes of persons entitled to drive'. Admiral One, Admiral Loans and Admiral Car finance are all trading names of Admiral Financial Services Limited. If you don't have your certificate to hand, you can view it online in MyAccount. The ability to drive other cars on your policy isn't something that's always automatically included. Further details may be provided on request. Yet you should check the wording of your policy and if unsure contact the company directly. Fear not, if you don’t have DOC on your policy you still have options. Please select a reason for your feedback today, Please provide feedback on your web experience. You’ll need to check the terms and conditions of your comprehensive car insurance to see if you’ve got DOC cover … From driving other cars to keeping your motor in a garage, we bust open the top car insurance myths. The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. View all benefits. Vandalism cover: This means if your car is vandalised, for example by graffiti, you may have to pay to have this fixed yourself. “The move away from fully comprehensive cover drive another car, a fairly seismic shift that will certainly impact thousands of drivers was not exactly signposted for all to see though,” he said. If you're shopping around for car insurance then it's essential to find the right cover for your needs. There’s quite a few typical requirements that are common among most insurers, like: You need to be 25 or over when the policy starts, 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, i.e. When shopping around for car insurance, think about your needs and choose your additional features tailored to you and your car. Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. Does comprehensive car insurance cover me to drive other cars? Our unique drive any driver insurance policy, provided by no other company on the insurance market, is ideal for helping you make the most of other people's cars; giving you both the flexibility and security to drive any car you need with full cover in an emergency or on a temporary basis - secure in the knowledge that you are fully covered. Nobody here … Some insurance providers will let you while others won’t – so you’ll need to check your policy or call your insurance provider before you jump into someone else’s car. At least with the above options you’re more likely to be driving the other car with a better level of cover. We also offer Saga Essential, a Comprehensive cover level that comes with fewer features than Saga Car and doesn't include a 3-year fixed price. Can I drive any other car? Admiral is a trading name of EUI Limited. It only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. While comprehensive cover may provide everything you need, bear in mind that there are additional features and benefits that may not be included with your policy including breakdown cover, legal cover or courtesy cars. Van Insurance Loans. Car insurance can be split into three main categories: Third party car insurance is the most basic level of cover and the minimum required by law. If your car is over 35 years old, under 70 years old and has a value of over £1,000 and under £25,000, you could get an Admiral Classic Car discount. While the amount of cover you get depends on which level you choose – comprehensive offers the most cover, third party the least – there are a few things that come as standard with Admiral Car Insurance no matter which level you choose: Cover to drive in Europe for up to 90 days Driving other cars … Voted by consumers as the “Best Car Insurance Provider 2017/18” for the fifth year running (Personal Finance Awards). As well as looking at how Admiral's car insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too. DOC is there for emergencies. Our comprehensive policies include great features and benefits as standard. | Find out more 3 levels of Home Insurance for you to choose from. If you have this cover, you will not be covered for loss of or damage to the car you’re driving. Please use our simple contact us form and we will get back to you within 24 hours. Then there’s the court prosecution which carries up to £1,000 fine. Admiral’s comprehensive policies offer the use of a courtesy car if yours is being repaired at an Admiral approved garage. As a buyer you could check if your policy includes a DOC or Driving Other Cars clause, these usually only offer third-party protection. Can I drive another car on my own insurance? Get car finance tailored to your exact needs. Lets say you're pulled over by the Police while you’re driving the other car. I stumbled on Admiral through confused.com and they offered by far; the best price, the best package, and when selected from the list of insurers the best service. You can check if you're covered on your certificate of motor insurance. The policy includes the following features: Damage to your car Damaged windscreen and window glass Theft and attempted theft Damage by fire Personal accident Medical expenses Personal belongings Liabilities to third parties EU cover: Up to 60 days: No claims discount No claims discount protection: No: Replacement locks … If you have an older car and regularly drive on the motorway or drive long distances then breakdown cover will be a priority, for example. Marshmallow only offers comprehensive car insurance cover. If your car needs to be repaired or requires any maintenance you need to take care of it straight away. | Courtesy car while yours is in for repair at an approved garage. See how much you could save. Admiral Financial Services Limited (Reg No: 10255225) is a subsidiary of Admiral Group plc and is authorised and regulated by the Financial Conduct Authority (Firm reference number: 771862). Admiral’s comprehensive policies offer the use of a courtesy car if yours is being repaired at an Admiral approved garage. Please don’t assume that you are covered without first checking your Certificate of Motor Insurance. Comprehensive insurance undoubtedly offers the greatest peace of mind and can come with extra cover and benefits including windscreen cover, courtesy car cover and extended cover if you drive your car outside the UK. He added that insurers have not been upfront with motorists which could be contributing to their cars to be seized. Admiral One, Admiral Loans and Admiral Car finance are all trading names of Admiral Financial Services Limited. Up to 13 weeks’ cover for driving within the EU. This is the policyholder and any additional drivers you choose to include on your policy. Fair Claim Commitment . EUI Limited acts for, and on behalf of, other regulated insurance companies. Bear in mind that every comprehensive policy is different – including Admiral Car Insurance – and each one comes with its own benefits. Some insurers offer what is known as a “bonus accelerator Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. Nightworks. Just a quick heads up, as of last month, Admiral have removed the ability for you to drive other peoples cars 3rd party if the registered owner of the car is a leasing company. If you’re under 25 and want to drive someone else’s car, your best bet would be to either get added as a named driver on their policy or take out temporary cover. 5 Answers. If you have a comprehensive policy on your own car, you may have driving other cars (DOC) cover included. "What if my car needs to be repaired?" You would be liable for the damage caused to the car you’re driving. 29 November 2019 Better to be safe than sorry… You could be breaking the law if you are driving someone else’s car with Third Party cover. EUI Limited is a subsidiary of Admiral Group plc and is authorised and regulated by the Financial Conduct Authority (Firm reference number: 309378). Comprehensive car insurance or fully comprehensive covers everything offered by TPFT, and it also pays out in the event your car needs to be repaired or replaced if it's damaged in an accident or suffers malicious damage. Courtesy car with comprehensive cover Save 29% on your car insurance. ... To see how Admiral's car insurance compares to other policies check out our guide on the best and worst car insurance. Third-party fire and theft is the same as third-party only, but the insurance will also cover your car if it’s stolen or catches on fire. 12 January 2016 Insurance to drive other cars (DOC) cover used to be a standard feature of comprehensive insurance policies, but it’s rare these days. Admiral offers three levels of car insurance cover and six different types of policy, so you’re likely to find cover to suit your needs. Comprehensive insurance and driving other cars. However, some temporary insurance products offer fully comprehensive cover. An urgent warning for all people insured to drive a van - check your insurance covers you to drive any other vehicle!. Comprehensive cover includes a courtesy car while your car is being fixed by an approved repairer. In some cases this cover will also protect against an attempted theft, as long as you're not at fault. CF10 2EH (Reg No: 03849958). EUI Limited acts for, and on behalf of, other regulated insurance companies. We also offer Saga Essential, a Comprehensive cover level that comes with fewer features than Saga Car and doesn't include a 3-year fixed price. Admiral Comprehensive Car Insurance Our Defaqto 5 star comprehensive cover is the highest level we offer. It includes a guaranteed hire car, seven-day car repair, personal possessions cover and more. She, as the named driver, is able to drive other vehicles with owners permission. 10 years ago. Courtesy car Comprehensive : You'll get a free Class A courtesy car (e.g. Regardless of the level of cover which the policyholder has, the cover provided to them under the driving other cars extension will always be third party only (unless stated otherwise in the policy documents). Am I covered if someone else drives my car? currently I am a named driver on my wife's comprehensive policy. Cover to “drive other cars” means just that. If by full comprehensive you mean that you would have full comprehensive cover on any car you drive and i think that is what you mean, the answer has to be no. Comprehensive car insurance offers unlimited car stereo cover and up to £150 personal belongings cover. not written off, Your occupation cannot be in the motor trade, i.e. Claims helplines are not open 24/7. In most cases, your insurance on other vehicles will only be third-party. The only people Admiral will cover to drive your vehicle are the people listed under section 5 of your Certificate of Motor Insurance. Before deciding on a policy, check the terms and conditions thoroughly and make sure you're covered in the way you expect. Why might I choose third-party insurance? A range of insurance frequently asked questions including car, home, legal and day insurance. Earn £100s in cash rewards on things you're going to buy anyway to help pay for your renewal or new Admiral policy. Can I Drive Other Cars With A Fully Comprehensive Car Insurance Policy? DOC, or driving other cars, isn’t an automatic right, even if you have a comprehensive policy. Calling outside of the opening hours will mean you’ll be redirected to a contracted third party recovery service. Please select a rating for your website experience. Some providers will add it without asking, but others won’t, so never assume. An insurer – including Admiral – would pay out for any damage or injury caused to a third party, including passengers, animals, damage to property and accidents caused by a passenger or named driver. Read Irvin6's review of the Admiral Car Insurance - www.admiral.com, 56 of 2450 Admiral Car Insurance - www.admiral.com reviews, & compare with other Car Insurance at Review Centre Fully comprehensive insurance is exactly the same as comprehensive insurance and is just another name for same level of cover. European cover for up to 90 days. Even if they have the driving other cars extension as part of their policy - basically if they get into an accident we'll only pay out to the third party not for any damage to your car. We use cookies to provide a better service. It is possible to cover the test drive of a privately-owned vehicle through the buyer or seller’s insurance. Here's your three options: Ask them to add you to their policy as a named driver. Yes, but only if you have insurance. However, the level of car insurance you buy is up to you and not determined by law; there are three different types of car insurance, and these policies vary depending on the policy and insurer. Unfortunately, the form could not be processed at this time. These details can be confirmed by visiting the Financial Services Register, www.fca.org.uk/register For their single car policy, Admiral state that 10% of customers paid less than £303 between January and June 2020. Manage cookies and view our policy. Thinking about buying a motor from abroad? Comprehensive cover is sometimes known as 'drive any car insurance.' You are covered to drive other cars not owned or insured by you or your spouse/partner, on a third-party basis, provided you have the owner’s permission and the vehicle has insurance in its own right. Drive away cover gets your new car home safely Get a quote . Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. The cover also extends to fire damage to your car, or damage arising out of the theft or attempted theft of your car. cheers . You think to yourself “Great, I have fully comprehensive insurance so I can drive any car”, and off you toddle. Insure 2 Drive offers a number of benefits for comprehensive policyholders, including: Unlimited audio equipment cover, and up to £1,000 of cover for satnav equipment. If you're using car finance to buy your car, the finance company may insist that it's comprehensively insured in order to protect their investment. All rights reserved. On Hastings Direct or Hastings Premier car policy, it's likely you'll be covered to drive other cars. Offered with Comprehensive Cover for when you can't drive your car after an accident. Admiral Group plc is registered in England and Wales at Tŷ Admiral, David Street, Cardiff. Car insurance: Is claiming always a good idea. a small hatchback), while your car is being repaired by one of our approved garages. You can also claim if you have accidentally damaged your car, for example reversing into a garage door. You then realise or find out you don’t have DOC. Easily manage your cover, view your documents, and much more with the Admiral app. You will also benefit from having one policy for all vehicles and one renewal date. It only covers the main driver of the vehicle whilst they are driving, for injury to other people and damage to other people’s property or vehicles. Multi-car cover: A multi-car policy insures you to drive other cars – but you should check with your insurer to see how this works with named divers on your policy Contents cover : Contents cover for your car means you’ll get a pay-out if items in your car are stolen or damaged, but if anything is stolen after being left in plain sight you won’t be able to claim Relevance. And was that jaunt in your friends car actually legal? If you are aged 25 or over, then in a majority of cases we will cover you to drive other cars, although there are some exceptions to this rule, for example some occupations won’t be covered. At this point you’ll be facing some serious points on your license. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. This conviction also isn’t seen very kindly in the eyes of insurers. Launched in 1993, Admiral is a car insurance specialist that has since branched out to offer other insurance products, including home, van, travel, life and pet cover. Third party car insurance is the most basic level of cover and the minimum required by law. By continuing or closing this window you are accepting these cookies. If you take out a Bell policy this may be included as part of your policy, subject to eligibility. 5 Star Car Insurance from Admiral 5 Star rated comprehensive Car Insurance. In the past, most comprehensive car insurance policies included driving other cars (DOC), giving drivers third party policy protection when driving other people's cars with their permission. If a car is fully comp with admiral then does that mean any driver can drive the car over the age of 25, if they have a licence and insurance on their own policy? It’s not always included by default. With comprehensive car insurance, you’ll receive all the benefits and cover that comes with a third party, fire and theft policy. They might know the answer, since they are your insurer. For Admiral's multi-car policies, customers get a MultiCar discounts for every car on cover. Confused.com is a trading name of Inspop.com Limited and is authorised and regulated by the Financial Conduct Authority. If you have an accident, the policy will only cover damage to the other car. Yes. The key difference betw een this level and third party fire and theft insurance is that your car is also covered along with any third party if you’re in an accident. Please refer to your Certificate of Motor Insurance for confirmation that you have this cover, or call us on 0345 246 8701. Comprehensive car insurance, on the other hand, will cover damage to your car as well. Admiral Third Party, Fire & Theft Car Insurance Protection will not be extended to vans or other vehicles. Confused.com, 3rd Floor, Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, United Kingdom https://admiral.com/magazine/guides/car-insurance/which-level-of-cover. Further details may be provided on request. In fact, not all providers even offer it. If you regularly drive another car then it’s better to add yourself to the insurance of that car as fully comprehensive often only offers 3 rd party on the other car. Concerned about how the lockdown will impact your motor? A range of cover with options you can tailor to your needs. Our comprehensive cover has Defaqto’s highest 5 Star rating. For young drivers, building up a no-claims bonus is a matter of time, although there is a way of speeding it up a bit. If I’m insured I can drive any car? This is because most insurers exclude anyone who falls within the “young driver” age range. For example, if a friend or family member has had an accident and needs you to drive them to the hospital. For example, there may not be any cover in Europe for theft to your car … You’d need to speak to your insurer about that. Here’s everything you need to know about towing a caravan or trailer. where you often drive other cars. Unsure if your car is covered? Some insurers may provide cover for you to get home by other means, in the event you cannot drive your car as the result of an accident. I would recommend them to anyone. I gave my girls friends car keys (was bullied into it) to a local nutter the guy said he was insured to drive any car, however I wasnt going to start asking to see his policy. Protection will not be extended to vans or other vehicles. How would you rate your website experience today? Driving Other Cars (DOC) provides Third Party Only cover and is restricted to policyholders only and will not apply to policyholders aged under 25 and/or policyholders engaged in the motor trade. 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