Driving without insurance can result in an IN10 endorsement which brings with it a six to eight point penalty that stays with you for four years. That might not sound too bad but be aware that many insurers will simply refuse to insure you in the future while the penalty is active and on your licence. If DOC is important to you remember to check individual policies when your comparing online quotes , or if you prefer to speak to someone directly over the phone ask your advisor to confirm DOC is included in your policy.
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Perhaps, but the same rules apply if someone else wants to borrow your car. To be covered, they will either need to have DOC cover, be added to your own insurance policy as a named driver or take out a temporary policy.
A temporary insurance policy may be a good option if, for example, your son or daughter wants to drive your car while they are home from university, and they're not covered on your insurance. Car insurance extras and add-ons explained. Car Insurance Fronting and its Repercussions Uswitch. Is Your Car Insurance Valid?
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Find out more by reading our Cookie Policy. Am I insured for driving someone else's car? Share this guide. What does my car insurance policy cover? Can I drive someone else's car? You also won't be covered if the car is stolen or damaged by fire. If you do have DOC cover it will typically only be valid under specific conditions. Most DOC is for emergencies only so make sure you check the wording carefully before driving someone else's car. A higher level of DOC cover will be clearly stated in your car insurance policy document.
DOC is typically only available to drivers aged 25 and over. If you are under 25 you are generally considered as too high risk by insurers. If you need to drive another person's car there are ways you can make sure you're covered. You can apply for short term insurance or even add your name to the car owner's policy. Short term or temporary car insurance provides cover from one day up to 28 days.
It is a good solution if you need to borrow someone's car for a few days, or if your child is back for their university holidays and will be using your family car. If you want to drive the car over a longer-term, for example if you drive a family member's car every now and then, it may be worth adding your name to their policy.
They will have the same level of cover as the main policyholder and means they are completely covered should any incidents occur. The named user should never be the person who uses the vehicle most regularly.
This is known as fronting and is illegal. Second, you could take out temporary car insurance. This means you would all be equally covered to drive the car and would only need to pay one fee upfront. Request a brochure. There are so many varying types of cover to choose from that mean taking out car insurance can be confusing. Read more.
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