14 August 2012 at 4:57PM edited 30 November -1 at 12:00AM in Motoring. Driving other cars extension. 6097813. This is definitely something to bear in mind before hopping into someone’s car! The most common restriction is the age of the driver. Since he is not a permitted driver on the neighbors . … Regardless of the level of cover which the policyholder has, the cover provided to them under the driving other cars extension will always be third party only (unless stated otherwise in the policy documents). Temporary car insurance can be taken out to prevent you from the “Oh, I thought my policy covered that’ scenerios. 2. Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. This allows policyholders to drive someone else’s car provided it is not owned, leased or hired by them. "The driving of other cars extension is not included for any driver named on the policy". This extension is rarely available for van and commercial vehicle insurance policies due mainly to the high amounts of variation in commercial vehicles and the opportunity to use the vehicles for commercial use. You can drive someone else`s car with their permission, on a third party basis if you have driving of other cars cover on your policy. The driving other cars extension is also not exclusive to comprehensive motor insurance policies and it can, dependent on the insurance company, be offered on third party, fire & theft policies, and third party only. There is a common misconception amongst policyholders who think that because they are aged 25 or older and have comprehensive motor insurance they automatically have the driving other cars extension.This has led to numerous people gaining convictions for driving without insurance. There’s many reasons why! 'Driving of other cars extension' covers the policyholder to drive any other car with 'THIRD PARTY ONLY' cover. Last time I looked if you have full comp or tp cover you are covered to drive any other car tp only anywhere in the EU. Drivers could be taking a big risk with their car insurance by making a simple mistake and misunderstanding a once commonly held clause. There are no extra premiums or charges for this cover. Driving Other Cars is popular because it gives you flexibility if you need to drive someone else’s car. Report Post. The other car must have insurance already Your car must be in a driveable state, i.e. I can drive my mate’s car under my own policy . This month's Power Hour panel looks at the best ways to deal with the driving other cars extension loophole and ask if it should be scrapped completely or whether there is an effective alternative that will not cause more problems than it solves How do I … Driving a vehicle under the Driving Other Cars extension on your insurance policy It is always worth being reminded that the Driving Other Cars (DoC) extension to the Motor Trader’s insurance policy does not usually offer the same level of protection as the cover on the vehicles involved in the business. https://www.veygo.com/car-sharing/can-i-drive-someone-elses-car Drive Other Car Endorsement — a commercial auto endorsement designed to provide nonowned auto coverage under a commercial auto policy similar to that which would be provided under a … Driving Other Cars is very different. This extension applies ONLY to the policyholder. Posts: 82. long story short, i have this on my car insurance and need to know if i can drive other cars that aren't owned by me and aren't insured by the owner. As well as traditional private car insurance policies, most motorcycle policies also have the driving other motorcycles extension which works in a similar way to that of private cars. Driving other cars (DOC) cover allows you to drive other cars without being a named driver or taking out temporary insurance. Drive other car coverage provides liability, medical payments, uninsured/under-insured motorist, and physical damage coverage for the personal use of a non-owned automobile by the individual wished to protect. 13 posts Previous; 1; 2; Alex. Adding Foreign use to your policy will not extend this cover outside of the UK. This used to be European law. This benefit applies to full licence drivers only. ... every policy I've ever had with driving other cars has always stated that the other car must be insured under another policy.. 0. What is a driving other cars extension? 1. It includes the "driving other cars" extension for third party cover on other, already insured vehicles. Join Date: Jul 2010. How is driving other cars different to adding a temporary driver? 10K 933. not written off. We can usually offer the driving other cars extension to private car (or van) policyholders over 25 with no connection to the motor trade. However, repairing your friend’s car is down to you. Now I have read this in two different ways. Source:https://www.veygo.com/car-sharing/can-i-drive-someone-elses-car/, Web design by Wida Group | 2021 Aynsley Insurance. If you, as a car owner and therefore a car insurance policyholder, have a Driving Other Cars extension (and most car insurance policies have this extension) it means that you can drive a car belonging to another person, with their permission of course. Drive Other Car Policy Endorsement Drive other car (DOC) coverage can be included in a commercial auto policy via a policy endorsement. Occupations deemed high risk by insurers may be excluded from having DOC. This option will allow you to drive another private car with the owner’s permission provided the car: Does not belong to you or your employer Providing an existing or new insurance policy with Adrian Flux has the drive other cars benefit attached, giving you third party cover to drive any other car, Adrian Flux's FlexDrive policy will extend that cover to provide accidental damage cover on the vehicle you are driving, just as comprehensive cover does. There has been quite a lot of debate over the years, about using a DOC extension, to drive another vehicle, in particular, whether it needs to be insured by the owner. If you while crash driving a mate’s car your insurer would cover the third party involved. DOC – Driving Of Other Cars 1. The 'driving other cars’ concession was historically included to cover emergencies ... Property sales to soar as stamp duty extension rejuvenates market. The following conditions apply to any private motor car you are driving under this section: The car is not owned by you, your employer or business partner. Your car must be in a driveable state, i.e. 23.09.2015 12:04 #1. bizebee. Comprehensive driving of other cars. Be Wiser Insurance Services Ltd are Authorised and Regulated by the Financial Conduct Authority, firm reference number 465471. Insurers are sometimes reluctant to offer the extension if the policyholder has a European or International licence as they may not be fully used to the style and rules of driving in the UK. Driving Other Cars is very different. That wouldn't be a great end to a day of driving. Not everyone with fully comp cover is eligible for this extension on their policy. If a person requires the use of a vehicle they should be added onto the insurance policy of that vehicle rather than relying on their own policy to cover them in the event of an accident. In fact it is designed to be used in emergencies only e.g. In order for the driving other cars extension to be effective certain criteria need to be met: The driving other cars extension cannot be used to secure the release of a vehicle which has been seized by the authorities for being used, or driven, on the roads without any valid insurance. Site Admin. 10K 933. 'Driving of other cars extension' covers the policyholder to drive any other car with 'THIRD PARTY ONLY' cover Comprehensive insurance and driving other cars. But you will need permission to drive from the owner of the other car. The Driving Other Cars extension or DOC as it is more commonly known is a policy benefit included in some car insurance policies. If it's included, it will be shown under section 3 of your Certificate of Motor Insurance. My policy allows me, fully comp, to drive around the UK and europe in MY CAR. Watch our Wise Owl video series to see more motor insurance myths corrected. The ‘driving other cars’ extension was once an option baked into most comprehensive car insurance premiums which let a motorist with this type of cover use another person’s car and have third… Here is an example: Your 16 year old son gets into your neighbors car and turns the ignition running it into . That wouldn't be a great end to a day of driving. Open Drive is where anyone with a full clean licence and of a certain age can drive the vehicle & covered comprehensively. If a driver does legitimately use their driving other cars extension to drive another person’s vehicle, and they are involved in an accident in which they are deemed ‘at fault’ the insurance company of the policyholder driving, rather than that of the vehicle, will be responsible for the claim. But you will need permission to drive from the owner of the other car. DOC allows you to drive another person’s car with their permission on a third party only basis whilst being covered on your own policy. Alex. Now I have read this in two different ways. 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. Registered in England No. 1. An insurer is likely to revoke the extension if the policyholder is too young, or has not had a full driving licence for a set period of time. This cover only applies to the policyholder not to the named drivers. Driving other motor cars is not available on our Third Party, Fire & Theft Lite or Comprehensive Lite policies. The level of cover provided under DOC is Third Party Only, even if your own policy is fully comp. 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. 14 August 2012 at 4:57PM edited 30 November -1 at 12:00AM in Motoring. In this video we answer the question: "Can I drive anybody's car if I have fully comp insurance?". In a nutshell, driving other cars extension is a policy extension which lets you (being the policyholder only, this does not apply to named drivers on your policy) drive somebody else's car (that is not owned by you, hired or leased to you or a company car).