Does my car insurance cover me to drive somebody else's car?
Car insurance is often a very grey area because of the different variations available and different terms and conditions which are attached to the various insurance companies in the UK. A number of people have automatically assumed that if they are insured under a comprehensive plan then they will be covered on a comprehensive basis for driving somebody else's car. However, you may need to think again!
There are a number of car insurance policies in the UK, of the comprehensive variety, which will allow you to drive third-party vehicles but only on the basis of third party fire and theft. There are some which will not even allow you to drive a third-party vehicle without taking out additional cover under the owners insurance. The simple fact is that you should assume nothing with regards to insurance, or indeed any financial services, without checking the fine print and checking with your advisor. Can you imagine driving your friend's car only to find out you do not have comprehensive cover at best and at worst you may be actually driving illegally!
You need to be fully aware of the type of car insurance you have and exactly what you can and cannot do.
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