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. 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. This means that if you have an accident you can claim to have your car fixed, and your insurance provider may also compensate anyone else involved if eligible. DOC allows you to drive another person’s car, with the owner’s permission and be covered by your own insurance policy. 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. This article contains links to other sites, and we're not responsible for the contents of any of these websites. 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. The insurance will only cover any damage to other cars in the accident. I have an LV= car insurance policy. If you have a policy with us that already includes the benefit of driving other cars, this extra benefit increases the cover from third party only to also include cover for any damage to the vehicle you are driving. 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. Not everyone with fully comp cover is eligible for this extension on their policy. Cover to drive other cars is becoming less common with many insurance companies requiring drivers to be 25 or over before they provide this cover, other insurers have withdrawn this cover entirely. 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’s a common misconception that comprehensive car insurance covers you for driving other people’s cars. 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. 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 I've changed my car, how do I transfer my existing car insurance to my new car? This means that if you're involved in an accident, the car you're driving won't be insured if it gets damaged. She, as the named driver, is able to drive other vehicles with owners permission. If you have a comprehensive policy on your own car, you may have driving other cars (DOC) cover included. Some restrictions apply, check your MotorCare policy booklet for details. 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. Answer. Driving Other Cars (DOC) insurance isn’t usually included as part of a fully comprehensive policy. fire) damage and theft, with a fully comprehensive policy, your whole car will be covered. 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 other cars (DOC) cover is a feature of many comprehensive policies but not all, so check yours. And those that do often provide only third party cover. Don’t assume that just because you have comprehensive car insurance that you’ll be insured to drive other cars. If the case goes to court, you could also be disqualified from driving. Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. I've been in a car accident and have hire car cover, what can I expect? Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. And those that do will often offer just third party cover. All content is approved by our in-house advisory board of experts. 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. It is also worth noting that named drivers on a policy have the same facility as the policyholder, so if you have comprehensive insurance cover as the main driver, then any named drivers will also have fully comp insurance and if you are allowed to drive other cars… These are usually included in your car hire costs and contract. £19.90 Receive a lump sum payout of £100,000 for a serious injury (our standard comprehensive policy … The ‘driving other cars on a Third Party only basis’ extension is only provided on policies where this is specifically detailed on your most recent Certificate of Motor Insurance. Typically, this gave you third-party cover to drive cars … Menu ... Find out more about car insurance and driving other cars. Fully comprehensive car insurance covers pretty much everything in the event of an accident, theft or fire. If you’d like to know more or are interested in adding this benefit to your policy please give us a call on 01 448 48 48 and one of our customer service representatives will be delighted to help. If you’re happy with that, just continue using the site. The most common requirement is that you need to be at least 25. 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.’ Always check the small print in your policy to see if it includes DOC cover, and what level of cover it gives. If you borrow a friend’s car and it is stolen, an insurer will not pay compensation – similarly if you write it off. Third party, fire and theft insurance covers you for damage to other vehicles and people, plus it covers your own vehicle … 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. Not everyone with fully comp cover is eligible for this extension on their policy. If you're on holiday and want to know if you're covered to drive a hire car, depending on the country you are travelling to, you may be legally obliged to have three types of basic insurance. where you often drive other cars. Leave us feedback. For all life insurance, investments retirement support. This is because young drivers are considered by most Compare companies that offer comprehensive car insurance. Legal. Comprehensive insurance and driving other cars. 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. Driving other cars (DOC) cover applies to main drivers only (also known as vehicle policyholders) who are aged 25 or over at inception, or renewal of the policy. You can only use the car in the UK for the purposes stated on your certificate. The extension to drive other cars only applies to the policyholder and NOT named drivers. Money. It provides coverage for you and your vehicle as well as other road users – more than you get with third-party, fire, and theft and third-party policies. It includes a guaranteed hire car, seven-day car repair, personal possessions cover and more. 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. Car insurance is a legal requirement unless your vehicle is registered as off the road (SORN). 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