Does UK car insurance cover driver or vehicle?

If I drive my partners car am I covered? Similarly, if I go buy a hand car to 39 do up 39 am I insured to drive it to my home? My insurance is due renewal in a weeks time I 39 ve quotes driving cars as of features of insurance

Responses:

Depends on your present insurance policy - contact your insurer and ask
Generally the policy holder of a comprehensive policy will be allowed to drive another vehicle 'not owned by them' on a 3rd party basis. That said you need to read exactly what your policy covers you to drive. If you have any doubts contact your insurance company
Be very careful and read the fine print carefully. It is a myth that the holder of a comprehensive policy is automatically covered to drive other vehicles with third - party cover. You will probably find that you may drive other vehicles which do not belong to you or are not leased to you, with third - party cover only and only in an emergency. In addition, the other vehicle must already be insured. To drive your partner's car you should get her to add you to her cover. With regard to the "new" car, speak to your insurers and they may or may not add it to your cover temporarily for the "get you home" exercise. Do be careful, in some areas a car can be seized if the insurance is not spot - on. The myth about "blanket cover" has been around for years and, I am afraid, is just that - a myth. Insurance companies long ago got wise to little Johnny driving dad's Ferrari on his Corsa insurance
It depends from your company and policy. For example, my insurance autoinsurance. maclenet.com, London provide such a service for 2 week
The golden rule with insurance here in the UK, is if in doubt ask the insurance company! If something has changed declare it! Insurance companies are out to make money, so do not risk losing cover for little things. My spouse recently got a legal summons from a 3rd party claiming a couple thousand pounds for loss of earnings and damage to car for an accident she was involved in a year ago. Am I glad I had legal cover on my policy!
UK car insurance is usually restricted on both car and drivers. Most policies will cover named drivers on one car only. Some will cover the policyholder but generally not other named drivers third - party only to drive other cars - usually described as vehicles "not owned by the policy holder or hired to him under a hire purchase agreement". Some restrict this cover to emergency situations only e. g. you are in a friend's car miles from home when the friend becomes too ill to drive. It depends on the wording of the policy whether or not it covers you to drive your partner's car - and in any case that cover will be for third - party claims only. If you need to drive your partner's car regularly you should get them to add you as a named driver on their policy. If you buy a second car, because that car is owned by you, you will not be covered unless you specifically request your insurer to add it some will provide temporary cover
if you drive your partners car you are only coverd third party. if you buy a second hand car you are not coverd to drive it once you buy it get in touch with the insurance co and get them to cover it to drive home
If you have Fully Comprehensive Insurance, you are covered T. P. F & T on any car that you drive, that doesn't belong to you, providing of course you have the owners permission. As for driving the 2nd hand car, I am sure if you inform your insurance provider of your intentions they will issue a temporary cover note for the one journey. As for insurance companies offering ''driving other cars'', they will just charge you extra for something you can do anyway. I have changed my Insurance Policy every year since I bought my current car just over 2 years ago, I used Tesco Compare to search, and this year I am paying less than I was 2 years ago for a better policy, and I am 44 with a clean licence and 10 years Protected No Claims. Hope that helps
Allways the driver never the vehicle a policy will cover policy holder only policy holder & spouse policy holder any driver policy holder named driver s Your own policy may let you drive vehicles not registered to you with the vehicle owners permission but this is getting rarer these days but even if your policy is F / Comp you cover is limited to T / P only the safest thing to do would be to contact you insurance company / broker for clarification good luck best wishes

Tags: changed, touch, afraid, clarification, comprehensive

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