lv fully comprehensive policy driving other cars

This means that if you're involved in an accident, the car you're driving won't be insured if it gets damaged. £19.90 Receive a lump sum payout of £100,000 for a serious injury (our standard comprehensive policy … A fully comprehensive car insurance policy will come with all of the accident and third party-liability cover than you can expect from any standard policy. Driving of other cars* is an optional cover and additional charges may apply. If the case goes to court, you could also be disqualified from driving. Aside from adding an experienced driver to your policy or adding yourself to an experienced driver’s policy, you should also consider the following ways to get a cheaper car insurance quote: Choose fully comprehensive: Fully comprehensive car insurance policies offer the highest level of cover, and they’re also usually the cheapest. Not everyone with fully comp cover is eligible for this extension on their policy. You can also claim if you have accidentally damaged your car, for example reversing into a garage door. What does fully comprehensive car insurance cover? The 'driving other cars' extension was once an … 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. 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. 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. Always check the small print in your policy to see if it includes DOC cover, and what level of cover it gives. Fully comp cover insures against any accident that you may have, whether it’s your fault or not. Answer. The most common requirement is that you need to be at least 25. If you're the policyholder or NCD holder with LV= comprehensive car insurance, you'll usually have third party cover to drive other cars as well. Section 2: Comprehensive 11 and Comprehensive Plus Cover options 15 Section 3: Motor Legal Cover 15 Section 4: Guaranteed Hire Car Plus 19 Section 5: Protected No Claim 21 Discount (NCD) Where you can drive 22 Losses we don’t cover 23 Other conditions you need to know about 25 How the policy works 26 Everything else 30 Glossary 31 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 … However, not all car insurance companies offer a ‘Driving Other Cars’ option, so you should never assume that you are covered – always check your car insurance certificate before you drive someone else’s car. 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. This includes damage caused to your car when it is unattended, such as a vandalism incident or a hit and run. It includes a guaranteed hire car, seven-day car repair, personal possessions cover and more. Am I entitled to a courtesy car? This essentially works like fully comprehensive cover. DOC cover was originally offered as an option for use in emergencies and wasn't intended to be used as a way to drive other cars on a regular basis. This can be particularly useful for couples who have two cars and want the use of both of them. Comprehensive insurance and driving other cars. We use cookies to make sure your experience is as good as it can be. Many comprehensive car insurance policies don't automatically allow you to drive other cars at all. Insurers are understandably wary of drivers who have been caught without insurance, so you may struggle to get your vehicle insured in the future as well. And those that do often provide only third party cover. If you have a comprehensive policy on your own car, you may have driving other cars (DOC) cover included. If you borrow a friend’s car and it is stolen, an insurer will not pay compensation – similarly if you write it off. 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. not written off. If your policy includes cover for driving other cars it will be shown under section 5 of your Certificate of Motor Insurance and will mean 1 ST CENTRAL will provide Third Party only cover for any accident involving the car, while you’re driving it. What is driving other cars? So your partner may have comprehensive insurance on their car, and you may have comprehensive insurance on your car, but unless you're a named driver on your partner's car, you may not be insured. I've changed my car, how do I transfer my existing car insurance to my new car? Comprehensive car insurance, also known as ‘fully comp’, is the top level of (non-business) insurance you can get for your car. “Driving other cars” cover meets only third-party liability. If, for example, you borrowed your neighbour’s car when your vehicle was in the garage, you would more than likely be covered by your own insurance. However, where most policies will only cover certain personal items like mobile phones or sat nav systems against accidental (e.g. There are several ways to make sure you have the right level of insurance when driving someone else's car. Your occupation cannot be in the motor trade, i.e. Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive 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. 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. Car insurance is a legal requirement unless your vehicle is registered as off the road (SORN). However, you must be careful to only add yourself as a named driver if you are not the main driver. 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. where you often drive other cars. It doesn’t come as standard on all policies. However, whether or not it is your fault, claims can result in loss of No Claims Bonus, so check before you claim. DOC cover is cover for driving other cars (DOC). Comprehensive insurance and driving other cars. A fully comprehensive auto insurance policy is also referred to as full coverage; Full coverage policies typically include at least liability, comprehensive, and collision coverage. 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.’ 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. It also needs to state on your certificate of motor insurance that you have the DOC extension. If you claim the parent and more experienced driver is the main driver, but the less experienced and younger driver actually uses the car most often, this is considered fraud. It's illegal to drive without at least third party insurance. You can also add other drivers to your policy, known as 'named … So, if you have a fully comprehensive policy, you will get comprehensive cover when you drive in Europe too. But you will need permission to drive from the owner of the other car. We use cookies to make sure your experience is as good as it can be. All content is approved by our in-house advisory board of experts. The other car must have insurance already. With Admiral, this means the temporary cover you have can be fully comprehensive even if your existing policy is third party, fire and theft. Unless your policy states otherwise, you’ll only be able to drive your partner’s car if they’ve added you as a named driver or have a family or any driver car insurance policy. 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