Fully comp drive any car

Can you drive any car on a fully comprehensive car insurance policy? The other car must have insurance already. What does fully comp mean?

Your occupation cannot be in the motor trade, i. It also needs to state on your certificate of motor insurance that you have the DOC extension. In times gone by, taking out a fully comprehensive insurance policy allowed the policy holder to drive other cars on a third party basis so long as they had the owners permission.

This is especially handy in case your car breaks down and you need to borrow one for a few days while your own is repaired. Provide that is, that you’re fully comp on yours and you have the owner’s permission. But there are strict stipulations for this, and now some insurers are doing away with the driving-other-cars.

This means that if you have an accident you can claim to have your car fixe and your insurance provider may also compensate anyone else involved if eligible. There are two other types of insurance you can choose: third-party fire and theft (TPFT) and third-party only (TPO). You’ll need to check the terms and conditions of your comprehensive car insurance to see if you’ve got DOC cover and what that includes.

Comprehensive insurance and driving other cars. This is because high-risk drivers used to opt for third-party (previously the cheapest policy).

In fact, it is now uncommon to come across an insurer that will offer fully comprehensive DOC cover.

If you have fully comprehensive insurance you might believe you are covered by your policy to drive any car. Increasingly this benefit does not come as standard on fully comp policies, so you’ll need to look into alternative options. The driving other cars, or DOC, extension is a benefit included in some car insurance policies.

On my fully comp policy certificate it states that I am insured to drive any other car not owned by me with third party cover. I ask for this each time I renew and it is not given to all fully comp. K views urbancookieForumite.

An any driver insurance policy allows anyone to drive your car at any time. Fully Comp-drive any car ? There’s no limit to how many people can drive the car, so any friends or family, who have your permission, are legally insured to drive it.

This type of car insurance is far less common, as most people only have one, or a few, named drivers added to their existing policy. Many motorists believe that they can drive a friend’s car so long as they have their own comprehensive insurance, but lots of policies won’t allow this. Why sell your car with Wizzle?

Usually you have to ask explicitly for this and it should be on your policy doc. You can get policies where you are fully comp on any car. There is usually an age restriction (min or 30).

I can drive any car, and anyone can drive mine and be insured. Well, in the interest of avoiding points on your driving licence or a driving ban, the only thing you should ever assume about car insurance is that every policy is different and all insurers offer different types of cover.

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. You can also claim if you have accidentally damaged your car, for example reversing into a.

Traditionally, this was a standard fixture on many fully comprehensive insurance policies, and gave drivers third party only cover for driving other vehicles – providing that you are fully comp on your own car and that you have the owner’s permission. Third party cover is the legal minimum when it comes to car insurance in the UK.

An insurer is likely to revoke the extension if the policyholder is too young, or has not had a full driving licence for a set period of time. The fully comprehensive cover is perfect for someone who wants to borrow a car from a frien colleague or family member or for someone who wants to loan their car. Be warned that sometimes the police will stop you for driving a car that is not insured in its own right – but you will be covered if you have your own insurance.

Make sure that there can be no suggestion that the car belongs to you! In fact, there is nothing to stop someone being insured as the main driver on their own policy and also being named as an additional driver on more than one other policy.