If you are under the assumption your insurance gives you the right to drive some other vehicle with third-party cover, you will be breaking regulations.
It used to be the case that cover for using other vehicles (DOC) was included by most insurance providers. Typically, this provided you third-party cover to operate a vehicle not detailed on your plan.
But increasingly, many in-depth insurance policies do not offer this benefit without a catch. You’ll have to demand it often and shell out the dough as an extra.
Many drivers think that you can leap in someone else’s car and become covered with third-party from your own insurance coverage. Provided, that is, you are completely comp on yours and you have the owner’s say so.
But there are strict rules because of this, and today some insurance providers are eliminating the DOC add-on altogether. To begin with, DOC is said to be utilised in a crisis – so it is not intended if you want to borrow someone’s car to nip down the shops.
And if you’re under 25, you can virtually rule out using someone else’s vehicle altogether, even if you have comprehensive cover. Also, don’t assume that once you hit 25 you’ll automatically have DOC. You will have to contact your insurer and have them to include it, and there may be a charge it to be added.
Some insurance providers only include it on the renewal after your 25th birthday.
All the facts
It is because most insurers exclude anyone who falls within the “young driver” category.
If you’re under 25 and want to operate a vehicle someone else’s car, your very best bet is always to either get added as a named driver on the policy or get some temporary cover. There are many companies who don’t place an age restriction on the power of the vehicle, so you might be lucky if you try hard enough.
Why your occupation matters
The next most common stipulation is occupation, and insurers reserve the to refuse cover if your work is regarded as too risky. They are usually careers where in fact the policyholder is much more likely to be using other cars.
For this good reason, many jobs in the electric motor industry will be excluded out of this cover often. You’ll need to check on with your insurance provider for clarification. For instance, some insurers declare that the automobile you are borrowing shouldn’t be “owned by (or hired under a hire purchase agreement by or leased to) you or your lover”.
Using your partner’s car
This implies it shall not cover you to operate a vehicle your lover or spouse’s car alternative party. For instance, if your own car is within the garage and you also considered to nip out in your partner’s car, you wouldn’t be covered. When you have DOC even.
It’s common that the other car should not be hired, but that pertains to the policyholder’s partner as well is unusual also, and could capture many motorists out. The end result is to check on the complete conditions for generating other cars with your insurer. In any other case, the results could finish up priced at you a packet.
If you’re found to be travelling without auto insurance you will be hit with an IN10 licence endorsement. This carries 6 to 8 penalty points and stays on your licence for four years from the date of the offence.
An IN10 on your record shall probably boost your superior considerably. That’s if the insurance company desires your business in any way – many will not insure you. It’s one of the primary black marks you could have on your insurance record, so it’s pretty important to ensure it doesn’t eventually you.
Also, if you knowingly allow you to definitely drive your vehicle who isn’t covered by insurance, you can get an IN12, which is the same in the eyes of insurers basically.