Insurance Cover to ''Drive Any Car'' Myths Explored

Car insurers once allowed you to drive someone else's car on your own insurance, but motorists are urged to check their policy as many insurers have introduced restrictions.

Many motorists believe they are automatically insured, but each year drivers discover that this protection is not included in their policy. Third-party cover used to come as standard but insurers have introduced a range of restrictions and exemptions which removes this protection for many drivers.

The "driving other cars" protection was originally included to cover emergencies, for example, if you needed to go to hospital someone else could drive you there in your car. Car owners can be prosecuted if their car is driven by an uninsured driver.

Here's a few insurance myths explained.

  • Everyone on the policy is covered. The main policyholder can receive this protection, which is never extended to named drivers.
  • Always had this cover? Check "any other car" cover hasn't been removed if automatically renewed.
  • Borrowing a friend's van? Cover to "drive other cars" is not extended to vans or other vehicles.
  • Cover to "drive other cars" meets third-party liability, so a comprehensive policy may not protect you comprehensively when driving other cars.
  • A wide range of professions are excluded from this cover including professional drivers and small business owners.
  • It's never available on Third party, fire and theft cover.

If you're unsure if you have this protection, check your insurance documents or contact your insurance provider.