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. DOC allows you to drive another person’s car, with the owner’s permission and be covered by your own insurance policy. Am I entitled to a courtesy car? Comprehensive driving of other cars Enjoy the same comprehensive cover you have on your own policy when driving other cars that are not owned, hired or leased by you. You can access this document in your MyAXA account . You can drive someone else`s car with their permission, on a third party basis if you have driving of other cars cover on your policy. 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 you need further help you can call us on 1890 24 7 365 , but please be aware that, due to measures put in place to prevent the spread of COVID-19, you may have to wait longer than usual to speak to someone. If you’re happy with that, just continue using the site. £19.90 Receive a lump sum payout of £100,000 for a serious injury (our standard comprehensive policy … Comprehensive car insurance is the highest level of cover you can buy from us. The most common requirement is that you need to be at least 25. Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. According to Confused.com, this is no longer quite as simple as it used to be. Comprehensive car insurance policies sometimes include Driving Other Cars (DOC) cover, which insures you to drive someone else’s car in an emergency, as long as you have their permission. 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. A fully comprehensive policy gives you peace of mind that you, your car and any others involved will be covered in the event of an accident. Things I wish I'd known before I had an accident, European car insurance and driving abroad, Even if you're comprehensively covered on your own car, don't assume you're insured to drive other people's, There are severe penalties for driving without insurance, so it's best to check you're insured for driving other cars before you set off, If you plan to drive the same car several times throughout the year, consider adding yourself to the insurance policy as a named driver. If someone else pretends to be the main driver, but you drive the car most often, this is called fronting and is not allowed. Menu ... Find out more about car insurance and driving other cars. Comprehensive car insurance offers one of the highest levels of protection, it covers the same things as third party only and third party fire and theft , but on top of all that, it covers your own car in an accident. When it comes to driving other people’s cars, a lot of people believe that if you have a fully comprehensive policy on your own car then you’ll have third party cover from your insurer on someone else’s car. Make a complaint. And those that do often provide only third party cover. If you're caught driving a vehicle that's not insured, the police can issue you with a £300 fine and six points on your licence. Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. Answer. View all benefits. Can I drive any car if my policy is third party or third party, fire and theft? Not everyone with fully comp cover is eligible for this extension on their policy. This covers any amounts you are legally liable to pay if someone else is injured or killed or their property is damaged, but not any damage to the car you’re driving. She, as the named driver, is able to drive other vehicles with owners permission. Have a look at your policy documents to double check you're covered and make sure you've got the owner's permission to use their car first. Comprehensive driving of other cars Enjoy the same comprehensive cover you have on your own policy when driving other cars that are not owned, hired or leased by you. You’ll need to check the terms and conditions of your comprehensive car insurance to see if … Unfortunately, it's not that straightforward. It's easy to get caught out if you're a parent insuring a car for a child. This essentially works like fully comprehensive cover. Some comprehensive policies will allow you to drive the cars of your friends and family and may also allow you to drive hire cars, too – although, this is usually only up to the level of third party coverage. If you choose a comprehensive or a third party fire and theft policy, you may be covered to drive another person’s car (with their permission) on a third party only basis. 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.’ This covers anyone between the ages of 25-70 with a full licence to drive your car, so you won’t need to add drivers to your policy. Driving of other cars* is … You can add up to 6 cars and 12 drivers to a single policy as long as they are all registered to the same address and can select a specific date for the insurance on your various cars … Always check the small print in your policy to see if it includes DOC cover, and what level of cover it gives. And those that do will often offer just third party cover. Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. Driving other cars is a policy extension which lets you drive somebody else's car, that is not owned by you, hired or leased to you or a company car. The extension to drive other cars only applies to the policyholder and NOT named drivers. LV provide various forms of car insurance cover, including: Third Party, Fire & Theft Third party cover is the minimum insurance required by law in the UK if you are driving a vehicle on public roads. But is this the case? You can drive someone else`s car with their permission, on a third party basis if you have driving of other cars cover on your policy. Our comprehensive car insurance covers you if your car is stolen, accidentally damaged or damaged by fire, as well as for many other claims. So, what are car insurance groups and how could they affect your insurance? However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim. If you’re only driving in Europe for a short period but want fully comprehensive cover, you could get temporary car insurance. Who can have the driving other cars extension? The driving other cars, or DOC, extension is a benefit included in some car insurance policies. If you do not have this cover please check with the owner of the car, as you may be covered to drive under the terms of their insurance policy. Will the cars be insured on the same policy. 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